SOUTH CENTRAL BANK, INC.
SOUTH CENTRAL BANK, INC. received 1,847 applications in 2025 and made 1,428 mortgages, in 111 counties across 10 states. The median rate its borrowers got was 7.250% on a median loan of $155,000. Of 1,636 decisions, 123 were denials — 7.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300LPT41QBMAC7948 |
|---|---|
| Applications received | 1,847 |
| Mortgages made | 1,428 |
| Denied | 123 |
| Approved, not taken up | 85 |
| Withdrawn or incomplete | 211 |
| Loans bought from other lenders | 3 |
| Median rate spread over the prime offer rate | 0.195 points |
| FDIC-insured bank | Yes: South Central Bank, Inc., 27 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 610 | 6.625% | $215,000 | 6.0% |
| Refinancing | 385 | 7.500% | $135,000 | 6.1% |
| Cash-out refinancing | 46 | 6.625% | $160,000 | 24.3% |
| Other purposes | 387 | 7.500% | $65,000 | 8.7% |
Where SOUTH CENTRAL BANK, INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Warren County, KY | 244 | 7.500% | 6.5% |
| Barren County, KY | 206 | 7.500% | 7.0% |
| Hardin County, KY | 185 | 6.500% | 4.6% |
| Daviess County, KY | 105 | 6.625% | 3.6% |
| Jefferson County, KY | 76 | 7.000% | 7.0% |
| Allen County, KY | 66 | 6.625% | 8.0% |
| Monroe County, KY | 63 | 7.250% | 13.0% |
| Logan County, KY | 41 | 6.990% | 12.8% |
| Metcalfe County, KY | 39 | 7.500% | 2.4% |
| Simpson County, KY | 36 | 7.500% | 7.3% |
| Hart County, KY | 35 | 7.375% | 10.0% |
| Scott County, KY | 33 | 7.500% | 8.1% |
| Pulaski County, KY | 32 | 7.500% | 8.6% |
| Fayette County, KY | 24 | 7.375% | 3.7% |
| Meade County, KY | 21 | 6.375% | 16.0% |
| Larue County, KY | 18 | 6.813% | 0.0% |
| Edmonson County, KY | 15 | 7.500% | 16.7% |
| Bullitt County, KY | 13 | 6.500% | 21.1% |
| Nelson County, KY | 13 | 6.750% | 16.7% |
| Grayson County, KY | 10 | 6.500% | 0.0% |
| Ohio County, KY | 7 | Under 10 loans | 12.5% |
| Oldham County, KY | 7 | Under 10 loans | 0.0% |
| Davidson County, TN | 7 | Under 10 loans | 0.0% |
| Jessamine County, KY | 6 | Under 10 loans | 22.2% |
| Floyd County, IN | 5 | Under 10 loans | 0.0% |
| Shelby County, KY | 5 | Under 10 loans | 0.0% |
| Todd County, KY | 5 | Under 10 loans | 0.0% |
| Cumberland County, KY | 4 | Under 10 loans | 0.0% |
| Hancock County, KY | 4 | Under 10 loans | 0.0% |
| Walton County, FL | 3 | Under 10 loans | 0.0% |
| Vanderburgh County, IN | 3 | Under 10 loans | 0.0% |
| Breckinridge County, KY | 3 | Under 10 loans | 0.0% |
| Butler County, KY | 3 | Under 10 loans | 0.0% |
| Christian County, KY | 3 | Under 10 loans | 0.0% |
| Floyd County, KY | 3 | Under 10 loans | 28.6% |
| Lawrence County, KY | 3 | Under 10 loans | 25.0% |
| Pike County, KY | 3 | Under 10 loans | 25.0% |
| Washington County, KY | 3 | Under 10 loans | 20.0% |
| Robertson County, TN | 3 | Under 10 loans | 0.0% |
| Rutherford County, TN | 3 | Under 10 loans | 0.0% |
| Jefferson County, AL | 2 | Under 10 loans | 0.0% |
| Anderson County, KY | 2 | Under 10 loans | 0.0% |
| Clark County, KY | 2 | Under 10 loans | 0.0% |
| Green County, KY | 2 | Under 10 loans | 0.0% |
| Johnson County, KY | 2 | Under 10 loans | 25.0% |
| Lincoln County, KY | 2 | Under 10 loans | 33.3% |
| McLean County, KY | 2 | Under 10 loans | 0.0% |
| Madison County, KY | 2 | Under 10 loans | 33.3% |
| Martin County, KY | 2 | Under 10 loans | 0.0% |
| Mercer County, KY | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.