Beach First National Bank Mortgage Lending & HMDA Data, 2009

In 2009, Beach First National Bank of Myrtle Beach, SC reported 2,769 mortgage applications totaling $629.2 million, up 159% from 2008. The average application was for $227,223, and applicants reported an average income of $47,899. 40% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Myrtle Beach-North Myrtle Beach-Conway, SC (423), Washington-Arlington-Alexandria, DC-VA-MD-WV (265) and Roanoke, VA (207) (applications in parentheses).

Mortgage Company & Address Beach First National Bank
3751 Grissom Parkway, Suite 100
Myrtle Beach, SC 29577
Tel #: available with data download
Federal Regulator * available with data download
Years 2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,769
Total Mortgage Loan Application Amount $629,183,000
Average Mortgage Loan Application Amount $227,223
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $47,899
Highest Applicant Income $2,191,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Beach First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Beach First National Bank by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Horry, South Carolina 423 $ 83,918,000 $ 198,387 $ 69,000
Wake, North Carolina 75 $ 18,816,000 $ 250,880 $ 77,000
Roanoke, Virginia 70 $ 13,089,000 $ 186,985 $ 53,000
Roanoke City, Virginia 70 $ 8,337,000 $ 119,100 $ 28,000
Prince George's, Maryland 66 $ 16,278,000 $ 246,636 $ 57,000
Brunswick, North Carolina 62 $ 12,032,000 $ 194,064 $ 47,000
Beaufort, South Carolina 56 $ 17,952,000 $ 320,571 $ 93,000
Fairfax, Virginia 54 $ 19,370,000 $ 358,703 $ 121,000
Georgetown, South Carolina 47 $ 13,078,000 $ 278,255 $ 144,000
Montgomery, Maryland 46 $ 15,450,000 $ 335,869 $ 119,000
Loudoun, Virginia 38 $ 13,071,000 $ 343,973 $ 104,000
Botetourt, Virginia 32 $ 6,046,000 $ 188,937 $ 52,000
Tarrant, Texas 29 $ 5,664,000 $ 195,310 $ 1,000
Bedford, Virginia 24 $ 3,493,000 $ 145,541 $ 35,000
Prince William, Virginia 24 $ 6,698,000 $ 279,083 $ 82,000
Maricopa, Arizona 23 $ 5,287,000 $ 229,869 $ 0
Mecklenburg, North Carolina 22 $ 4,220,000 $ 191,818 $ 33,000
Bexar, Texas 21 $ 5,215,000 $ 248,333 $ 3,000
Chesterfield, Virginia 19 $ 4,601,000 $ 242,157 $ 55,000
Salem, Virginia 19 $ 3,009,000 $ 158,368 $ 47,000
Durham, North Carolina 18 $ 2,814,000 $ 156,333 $ 47,000
Harris, Texas 17 $ 3,330,000 $ 195,882 $ 0
Pierce, Washington 17 $ 3,858,000 $ 226,941 $ 16,000
District of Columbia, District Of Columbia 16 $ 5,603,000 $ 350,187 $ 100,000
Anne Arundel, Maryland 16 $ 4,196,000 $ 262,250 $ 38,000
Clark, Nevada 16 $ 3,854,000 $ 240,875 $ 3,000
Guilford, North Carolina 16 $ 3,286,000 $ 205,375 $ 56,000
Fauquier, Virginia 16 $ 4,826,000 $ 301,625 $ 94,000
McCormick, South Carolina 15 $ 2,987,000 $ 199,133 $ 59,000
Travis, Texas 15 $ 3,388,000 $ 225,866 $ 9,000
Franklin, Virginia 14 $ 2,700,000 $ 192,857 $ 60,000
Lynchburg, Virginia 14 $ 1,907,000 $ 136,214 $ 48,000
Cook, Illinois 13 $ 3,933,000 $ 302,538 $ 24,000
Johnston, North Carolina 13 $ 2,715,000 $ 208,846 $ 62,000
Montgomery, Virginia 13 $ 2,215,000 $ 170,384 $ 52,000
Charles, Maryland 12 $ 3,602,000 $ 300,166 $ 41,000
Frederick, Maryland 12 $ 3,504,000 $ 292,000 $ 87,000
Williamson, Texas 12 $ 2,414,000 $ 201,166 $ 0
Honolulu, Hawaii 11 $ 3,897,000 $ 354,272 $ 38,000
Camden, New Jersey 10 $ 2,281,000 $ 228,100 $ 14,000
Collin, Texas 10 $ 2,308,000 $ 230,800 $ 0
Dallas, Texas 10 $ 2,188,000 $ 218,800 $ 6,000
Denton, Texas 10 $ 2,241,000 $ 224,100 $ 0
Henrico, Virginia 10 $ 2,184,000 $ 218,400 $ 45,000
Stafford, Virginia 10 $ 3,094,000 $ 309,400 $ 67,000
Virginia Beach, Virginia 10 $ 2,360,000 $ 236,000 $ 14,000
El Paso, Colorado 9 $ 2,170,000 $ 241,111 $ 7,000
Lincoln, Georgia 9 $ 1,612,000 $ 179,111 $ 76,000
St. Clair, Illinois 9 $ 2,105,000 $ 233,888 $ 0
Boone, Kentucky 9 $ 1,916,000 $ 212,888 $ 14,000
Howard, Maryland 9 $ 2,881,000 $ 320,111 $ 71,000
Burlington, New Jersey 9 $ 2,136,000 $ 237,333 $ 19,000
Harnett, North Carolina 9 $ 1,617,000 $ 179,666 $ 44,000
El Paso, Texas 9 $ 2,056,000 $ 228,444 $ 0
Guadalupe, Texas 9 $ 1,932,000 $ 214,666 $ 0
King, Washington 9 $ 2,103,000 $ 233,666 $ 14,000
Adams, Colorado 8 $ 1,798,000 $ 224,750 $ 24,000
New Castle, Delaware 8 $ 1,853,000 $ 231,625 $ 0
Hillsborough, Florida 8 $ 1,378,000 $ 172,250 $ 22,000
Cumberland, North Carolina 8 $ 1,480,000 $ 185,000 $ 7,000
Richland, South Carolina 8 $ 1,376,000 $ 172,000 $ 28,000
Kitsap, Washington 8 $ 1,902,000 $ 237,750 $ 0
Pima, Arizona 7 $ 1,621,000 $ 231,571 $ 0
Gwinnett, Georgia 7 $ 1,602,000 $ 228,857 $ 21,000
Will, Illinois 7 $ 1,888,000 $ 269,714 $ 21,000
Oakland, Michigan 7 $ 1,374,000 $ 196,285 $ 0
Yellowstone, Montana 7 $ 1,386,000 $ 198,000 $ 32,000
Sarpy, Nebraska 7 $ 1,521,000 $ 217,285 $ 28,000
Merrimack, New Hampshire 7 $ 1,578,000 $ 225,428 $ 15,000
Charleston, South Carolina 7 $ 1,519,000 $ 217,000 $ 73,000
Dorchester, South Carolina 7 $ 1,474,000 $ 210,571 $ 2,000
Lexington, South Carolina 7 $ 1,707,000 $ 243,857 $ 65,000
Bell, Texas 7 $ 1,445,000 $ 206,428 $ 0
Montgomery, Texas 7 $ 1,642,000 $ 234,571 $ 23,000
Spotsylvania, Virginia 7 $ 1,407,000 $ 201,000 $ 44,000
Pulaski, Arkansas 6 $ 1,310,000 $ 218,333 $ 0
Lake, Indiana 6 $ 1,269,000 $ 211,500 $ 20,000
Jefferson, Kentucky 6 $ 1,293,000 $ 215,500 $ 31,000
Ocean, New Jersey 6 $ 1,449,000 $ 241,500 $ 31,000
Iredell, North Carolina 6 $ 1,807,000 $ 301,166 $ 62,000
Pasquotank, North Carolina 6 $ 1,093,000 $ 182,166 $ 26,000
Oklahoma, Oklahoma 6 $ 971,000 $ 161,833 $ 2,000
Shelby, Tennessee 6 $ 1,156,000 $ 192,666 $ 7,000
Alexandria, Virginia 6 $ 2,809,000 $ 468,166 $ 68,000
Arlington, Virginia 6 $ 2,341,000 $ 390,166 $ 151,000
Charles City, Virginia 6 $ 2,644,000 $ 440,666 $ 71,000
Powhatan, Virginia 6 $ 1,685,000 $ 280,833 $ 56,000
Madison, Alabama 5 $ 1,609,000 $ 321,800 $ 91,000
Kent, Delaware 5 $ 1,187,000 $ 237,400 $ 0
Duval, Florida 5 $ 1,087,000 $ 217,400 $ 0
Palm Beach, Florida 5 $ 1,747,000 $ 349,400 $ 80,000
Pinellas, Florida 5 $ 922,000 $ 184,400 $ 8,000
Fulton, Georgia 5 $ 2,978,000 $ 595,600 $ 108,000
Ada, Idaho 5 $ 1,426,000 $ 285,200 $ 0
Baltimore City, Maryland 5 $ 1,412,000 $ 282,400 $ 87,000
Harford, Maryland 5 $ 1,484,000 $ 296,800 $ 58,000
Washington, Maryland 5 $ 667,000 $ 133,400 $ 61,000
Columbus, North Carolina 5 $ 1,019,000 $ 203,800 $ 70,000
Hamilton, Ohio 5 $ 825,000 $ 165,000 $ 17,000
Montgomery, Ohio 5 $ 1,067,000 $ 213,400 $ 0
Lancaster, Pennsylvania 5 $ 1,115,000 $ 223,000 $ 18,000
Montgomery, Tennessee 5 $ 993,000 $ 198,600 $ 6,000
Nueces, Texas 5 $ 792,000 $ 158,400 $ 15,000
Parker, Texas 5 $ 1,151,000 $ 230,200 $ 0
Campbell, Virginia 5 $ 985,000 $ 197,000 $ 38,000
Suffolk, Virginia 5 $ 1,248,000 $ 249,600 $ 15,000
Snohomish, Washington 5 $ 1,145,000 $ 229,000 $ 0
Cherokee, Georgia 4 $ 840,000 $ 210,000 $ 39,000
Jackson, Georgia 4 $ 869,000 $ 217,250 $ 10,000
Hardin, Kentucky 4 $ 908,000 $ 227,000 $ 14,000
St. Mary's, Maryland 4 $ 1,581,000 $ 395,250 $ 0
Essex, Massachusetts 4 $ 956,000 $ 239,000 $ 35,000
Macomb, Michigan 4 $ 859,000 $ 214,750 $ 0
Wayne, Michigan 4 $ 799,000 $ 199,750 $ 0
DeSoto, Mississippi 4 $ 811,000 $ 202,750 $ 18,000
Hillsborough, New Hampshire 4 $ 1,010,000 $ 252,500 $ 9,000
Rockingham, New Hampshire 4 $ 1,208,000 $ 302,000 $ 0
Erie, New York 4 $ 509,000 $ 127,250 $ 13,000
Suffolk, New York 4 $ 1,164,000 $ 291,000 $ 25,000
Carteret, North Carolina 4 $ 917,000 $ 229,250 $ 35,000
Union, North Carolina 4 $ 700,000 $ 175,000 $ 76,000
Cuyahoga, Ohio 4 $ 745,000 $ 186,250 $ 13,000
Franklin, Ohio 4 $ 731,000 $ 182,750 $ 0
Lorain, Ohio 4 $ 822,000 $ 205,500 $ 6,000
Summit, Ohio 4 $ 1,099,000 $ 274,750 $ 0
Trumbull, Ohio 4 $ 720,000 $ 180,000 $ 13,000
Multnomah, Oregon 4 $ 1,057,000 $ 264,250 $ 31,000
Greenville, South Carolina 4 $ 547,000 $ 136,750 $ 37,000
Greenwood, South Carolina 4 $ 568,000 $ 142,000 $ 49,000
Pennington, South Dakota 4 $ 547,000 $ 136,750 $ 32,000
Fort Bend, Texas 4 $ 841,000 $ 210,250 $ 51,000
Norfolk, Virginia 4 $ 1,271,000 $ 317,750 $ 67,000
Patrick, Virginia 4 $ 619,000 $ 154,750 $ 86,000
Pulaski, Virginia 4 $ 658,000 $ 164,500 $ 31,000
Richmond City, Virginia 4 $ 724,000 $ 181,000 $ 77,000
Spokane, Washington 4 $ 1,432,000 $ 358,000 $ 80,000
Thurston, Washington 4 $ 1,051,000 $ 262,750 $ 0
Waukesha, Wisconsin 4 $ 926,000 $ 231,500 $ 0
Pinal, Arizona 3 $ 581,000 $ 193,666 $ 0
Los Angeles, California 3 $ 1,330,000 $ 443,333 $ 103,000
Miami-Dade, Florida 3 $ 681,000 $ 227,000 $ 79,000
Orange, Florida 3 $ 440,000 $ 146,666 $ 0
Clayton, Georgia 3 $ 518,000 $ 172,666 $ 0
Cobb, Georgia 3 $ 785,000 $ 261,666 $ 64,000
Columbia, Georgia 3 $ 775,000 $ 258,333 $ 20,000
Henry, Georgia 3 $ 624,000 $ 208,000 $ 0
Muscogee, Georgia 3 $ 633,000 $ 211,000 $ 0
Lake, Illinois 3 $ 738,000 $ 246,000 $ 0
McHenry, Illinois 3 $ 574,000 $ 191,333 $ 0
Hendricks, Indiana 3 $ 736,000 $ 245,333 $ 0
Marion, Indiana 3 $ 791,000 $ 263,666 $ 0
Fayette, Kentucky 3 $ 629,000 $ 209,666 $ 0
Bossier, Louisiana 3 $ 602,000 $ 200,666 $ 0
Jefferson, Louisiana 3 $ 608,000 $ 202,666 $ 0
Orleans, Louisiana 3 $ 519,000 $ 173,000 $ 63,000
Baltimore, Maryland 3 $ 937,000 $ 312,333 $ 41,000
Cecil, Maryland 3 $ 1,079,000 $ 359,666 $ 0
St. Clair, Michigan 3 $ 548,000 $ 182,666 $ 9,000
Lowndes, Mississippi 3 $ 561,000 $ 187,000 $ 17,000
Flathead, Montana 3 $ 502,000 $ 167,333 $ 42,000
Lewis and Clark, Montana 3 $ 597,000 $ 199,000 $ 61,000
Douglas, Nebraska 3 $ 606,000 $ 202,000 $ 0
Lancaster, Nebraska 3 $ 684,000 $ 228,000 $ 0
Monmouth, New Jersey 3 $ 1,191,000 $ 397,000 $ 0
Bernalillo, New Mexico 3 $ 584,000 $ 194,666 $ 0
Buncombe, North Carolina 3 $ 969,000 $ 323,000 $ 73,000
Craven, North Carolina 3 $ 640,000 $ 213,333 $ 15,000
Hoke, North Carolina 3 $ 461,000 $ 153,666 $ 0
Lee, North Carolina 3 $ 367,000 $ 122,333 $ 40,000
Clermont, Ohio 3 $ 512,000 $ 170,666 $ 0
Stark, Ohio 3 $ 618,000 $ 206,000 $ 60,000
Tulsa, Oklahoma 3 $ 571,000 $ 190,333 $ 11,000
Lane, Oregon 3 $ 744,000 $ 248,000 $ 35,000
Bucks, Pennsylvania 3 $ 1,025,000 $ 341,666 $ 48,000
York, Pennsylvania 3 $ 629,000 $ 209,666 $ 14,000
Berkeley, South Carolina 3 $ 826,000 $ 275,333 $ 100,000
Spartanburg, South Carolina 3 $ 1,368,000 $ 456,000 $ 541,000
Sumter, South Carolina 3 $ 621,000 $ 207,000 $ 0
Minnehaha, South Dakota 3 $ 388,000 $ 129,333 $ 26,000
Bradley, Tennessee 3 $ 492,000 $ 164,000 $ 56,000
Rutherford, Tennessee 3 $ 608,000 $ 202,666 $ 0
Davis, Utah 3 $ 736,000 $ 245,333 $ 0
Weber, Utah 3 $ 791,000 $ 263,666 $ 0
Bedford City, Virginia 3 $ 503,000 $ 167,666 $ 57,000
Chesapeake, Virginia 3 $ 817,000 $ 272,333 $ 0
Danville, Virginia 3 $ 476,000 $ 158,666 $ 72,000
Giles, Virginia 3 $ 597,000 $ 199,000 $ 99,000
King George, Virginia 3 $ 789,000 $ 263,000 $ 71,000
Manassas, Virginia 3 $ 513,000 $ 171,000 $ 26,000
Prince George, Virginia 3 $ 605,000 $ 201,666 $ 31,000
Westmoreland, Virginia 3 $ 838,000 $ 279,333 $ 76,000
Mason, Washington 3 $ 580,000 $ 193,333 $ 0
Crawford, Arkansas 2 $ 423,000 $ 211,500 $ 0
Faulkner, Arkansas 2 $ 582,000 $ 291,000 $ 62,000
Lonoke, Arkansas 2 $ 493,000 $ 246,500 $ 0
Arapahoe, Colorado 2 $ 443,000 $ 221,500 $ 0
Boulder, Colorado 2 $ 418,000 $ 209,000 $ 43,000
Douglas, Colorado 2 $ 524,000 $ 262,000 $ 0
Elbert, Colorado 2 $ 574,000 $ 287,000 $ 0
Brevard, Florida 2 $ 604,000 $ 302,000 $ 0
Charlotte, Florida 2 $ 387,000 $ 193,500 $ 25,000
Collier, Florida 2 $ 340,000 $ 170,000 $ 65,000
Lee, Florida 2 $ 415,000 $ 207,500 $ 55,000
Okaloosa, Florida 2 $ 423,000 $ 211,500 $ 27,000
Santa Rosa, Florida 2 $ 494,000 $ 247,000 $ 0
Seminole, Florida 2 $ 208,000 $ 104,000 $ 53,000
Carroll, Georgia 2 $ 197,000 $ 98,500 $ 32,000
Chatham, Georgia 2 $ 443,000 $ 221,500 $ 0
Fayette, Georgia 2 $ 729,000 $ 364,500 $ 47,000
Paulding, Georgia 2 $ 397,000 $ 198,500 $ 0
Rockdale, Georgia 2 $ 509,000 $ 254,500 $ 50,000
Kootenai, Idaho 2 $ 394,000 $ 197,000 $ 0
Peoria, Illinois 2 $ 328,000 $ 164,000 $ 0
Allen, Indiana 2 $ 366,000 $ 183,000 $ 54,000
Hamilton, Indiana 2 $ 378,000 $ 189,000 $ 0
Kosciusko, Indiana 2 $ 184,000 $ 92,000 $ 169,000
Polk, Iowa 2 $ 467,000 $ 233,500 $ 0
Madison, Kentucky 2 $ 582,000 $ 291,000 $ 0
Meade, Kentucky 2 $ 454,000 $ 227,000 $ 0
Ascension, Louisiana 2 $ 414,000 $ 207,000 $ 0
Caddo, Louisiana 2 $ 447,000 $ 223,500 $ 90,000
East Baton Rouge, Louisiana 2 $ 425,000 $ 212,500 $ 0
Rapides, Louisiana 2 $ 419,000 $ 209,500 $ 0
Calvert, Maryland 2 $ 751,000 $ 375,500 $ 108,000
Carroll, Maryland 2 $ 912,000 $ 456,000 $ 164,000
Wicomico, Maryland 2 $ 272,000 $ 136,000 $ 62,000
Berrien, Michigan 2 $ 451,000 $ 225,500 $ 52,000
Anoka, Minnesota 2 $ 403,000 $ 201,500 $ 0
Hennepin, Minnesota 2 $ 559,000 $ 279,500 $ 45,000
Ramsey, Minnesota 2 $ 424,000 $ 212,000 $ 78,000
Hinds, Mississippi 2 $ 462,000 $ 231,000 $ 0
St. Louis, Missouri 2 $ 387,000 $ 193,500 $ 0
Gallatin, Montana 2 $ 290,000 $ 145,000 $ 64,000
Washoe, Nevada 2 $ 506,000 $ 253,000 $ 0
Cape May, New Jersey 2 $ 427,000 $ 213,500 $ 0
Mercer, New Jersey 2 $ 361,000 $ 180,500 $ 55,000
Middlesex, New Jersey 2 $ 691,000 $ 345,500 $ 0
Somerset, New Jersey 2 $ 480,000 $ 240,000 $ 30,000
Sussex, New Jersey 2 $ 543,000 $ 271,500 $ 27,000
Dona Ana, New Mexico 2 $ 434,000 $ 217,000 $ 0
Sandoval, New Mexico 2 $ 724,000 $ 362,000 $ 0
Jefferson, New York 2 $ 356,000 $ 178,000 $ 33,000
Monroe, New York 2 $ 360,000 $ 180,000 $ 0
Nassau, New York 2 $ 620,000 $ 310,000 $ 124,000
Orange, New York 2 $ 508,000 $ 254,000 $ 0
Queens, New York 2 $ 762,000 $ 381,000 $ 0
Saratoga, New York 2 $ 413,000 $ 206,500 $ 0
Westchester, New York 2 $ 796,000 $ 398,000 $ 66,000
Alamance, North Carolina 2 $ 373,000 $ 186,500 $ 66,000
Alleghany, North Carolina 2 $ 160,000 $ 80,000 $ 14,000
Chatham, North Carolina 2 $ 500,000 $ 250,000 $ 75,000
Davidson, North Carolina 2 $ 524,000 $ 262,000 $ 91,000
Moore, North Carolina 2 $ 391,000 $ 195,500 $ 33,000
New Hanover, North Carolina 2 $ 618,000 $ 309,000 $ 108,000
Onslow, North Carolina 2 $ 512,000 $ 256,000 $ 0
Perquimans, North Carolina 2 $ 466,000 $ 233,000 $ 47,000
Rockingham, North Carolina 2 $ 390,000 $ 195,000 $ 43,000
Rutherford, North Carolina 2 $ 464,000 $ 232,000 $ 207,000
Ashland, Ohio 2 $ 417,000 $ 208,500 $ 0
Butler, Ohio 2 $ 331,000 $ 165,500 $ 0
Erie, Ohio 2 $ 320,000 $ 160,000 $ 0
Greene, Ohio 2 $ 340,000 $ 170,000 $ 20,000
Warren, Ohio 2 $ 466,000 $ 233,000 $ 0
Wayne, Ohio 2 $ 273,000 $ 136,500 $ 11,000
Canadian, Oklahoma 2 $ 382,000 $ 191,000 $ 0
Comanche, Oklahoma 2 $ 481,000 $ 240,500 $ 0
Clackamas, Oregon 2 $ 398,000 $ 199,000 $ 0
Deschutes, Oregon 2 $ 472,000 $ 236,000 $ 0
Washington, Oregon 2 $ 479,000 $ 239,500 $ 47,000
Chester, Pennsylvania 2 $ 503,000 $ 251,500 $ 212,000
Dauphin, Pennsylvania 2 $ 241,000 $ 120,500 $ 10,000
Franklin, Pennsylvania 2 $ 364,000 $ 182,000 $ 0
Monroe, Pennsylvania 2 $ 705,000 $ 352,500 $ 42,000
Montgomery, Pennsylvania 2 $ 430,000 $ 215,000 $ 0
Aiken, South Carolina 2 $ 460,000 $ 230,000 $ 0
Anderson, South Carolina 2 $ 304,000 $ 152,000 $ 0
Clarendon, South Carolina 2 $ 342,000 $ 171,000 $ 42,000
Edgefield, South Carolina 2 $ 335,000 $ 167,500 $ 70,000
Marion, South Carolina 2 $ 267,000 $ 133,500 $ 44,000
Butte, South Dakota 2 $ 459,000 $ 229,500 $ 36,000
Davidson, Tennessee 2 $ 275,000 $ 137,500 $ 12,000
Hamilton, Tennessee 2 $ 233,000 $ 116,500 $ 57,000
Wilson, Tennessee 2 $ 355,000 $ 177,500 $ 0
Comal, Texas 2 $ 670,000 $ 335,000 $ 0
Galveston, Texas 2 $ 378,000 $ 189,000 $ 0
Hardin, Texas 2 $ 415,000 $ 207,500 $ 0
Hays, Texas 2 $ 382,000 $ 191,000 $ 0
Hidalgo, Texas 2 $ 407,000 $ 203,500 $ 0
Lampasas, Texas 2 $ 568,000 $ 284,000 $ 0
Taylor, Texas 2 $ 317,000 $ 158,500 $ 0
Victoria, Texas 2 $ 558,000 $ 279,000 $ 0
Amherst, Virginia 2 $ 391,000 $ 195,500 $ 43,000
Appomattox, Virginia 2 $ 254,000 $ 127,000 $ 41,000
Craig, Virginia 2 $ 403,000 $ 201,500 $ 80,000
Culpeper, Virginia 2 $ 474,000 $ 237,000 $ 17,000
Floyd, Virginia 2 $ 314,000 $ 157,000 $ 24,000
Fredericksburg, Virginia 2 $ 633,000 $ 316,500 $ 100,000
Louisa, Virginia 2 $ 456,000 $ 228,000 $ 140,000
Orange, Virginia 2 $ 506,000 $ 253,000 $ 105,000
Pittsylvania, Virginia 2 $ 143,000 $ 71,500 $ 27,000
Clark, Washington 2 $ 553,000 $ 276,500 $ 0
Island, Washington 2 $ 402,000 $ 201,000 $ 0
Skagit, Washington 2 $ 550,000 $ 275,000 $ 0
Whatcom, Washington 2 $ 475,000 $ 237,500 $ 0
Cabell, West Virginia 2 $ 210,000 $ 105,000 $ 42,000
Kanawha, West Virginia 2 $ 300,000 $ 150,000 $ 74,000
Mercer, West Virginia 2 $ 226,000 $ 113,000 $ 61,000
Monroe, West Virginia 2 $ 367,000 $ 183,500 $ 88,000
Raleigh, West Virginia 2 $ 168,000 $ 84,000 $ 13,000
Taylor, West Virginia 2 $ 295,000 $ 147,500 $ 60,000
Brown, Wisconsin 2 $ 230,000 $ 115,000 $ 0
Dodge, Wisconsin 2 $ 440,000 $ 220,000 $ 0
Milwaukee, Wisconsin 2 $ 513,000 $ 256,500 $ 0
Racine, Wisconsin 2 $ 435,000 $ 217,500 $ 0
Baldwin, Alabama 1 $ 536,000 $ 536,000 $ 36,000
Jefferson, Alabama 1 $ 200,000 $ 200,000 $ 108,000
Mobile, Alabama 1 $ 155,000 $ 155,000 $ 0
Shelby, Alabama 1 $ 142,000 $ 142,000 $ 39,000
Tuscaloosa, Alabama 1 $ 86,000 $ 86,000 $ 45,000
Mohave, Arizona 1 $ 310,000 $ 310,000 $ 0
Yavapai, Arizona 1 $ 215,000 $ 215,000 $ 0
Saline, Arkansas 1 $ 337,000 $ 337,000 $ 0
Alameda, California 1 $ 527,000 $ 527,000 $ 110,000
Fresno, California 1 $ 388,000 $ 388,000 $ 0
Orange, California 1 $ 590,000 $ 590,000 $ 96,000
Sacramento, California 1 $ 405,000 $ 405,000 $ 0
Denver, Colorado 1 $ 191,000 $ 191,000 $ 0
Larimer, Colorado 1 $ 235,000 $ 235,000 $ 0
Logan, Colorado 1 $ 261,000 $ 261,000 $ 0
Mesa, Colorado 1 $ 170,000 $ 170,000 $ 42,000
Park, Colorado 1 $ 223,000 $ 223,000 $ 0
Pueblo, Colorado 1 $ 158,000 $ 158,000 $ 0
Weld, Colorado 1 $ 242,000 $ 242,000 $ 0
Fairfield, Connecticut 1 $ 248,000 $ 248,000 $ 86,000
Sussex, Delaware 1 $ 181,000 $ 181,000 $ 48,000
Bay, Florida 1 $ 237,000 $ 237,000 $ 0
Escambia, Florida 1 $ 73,000 $ 73,000 $ 0
Flagler, Florida 1 $ 205,000 $ 205,000 $ 0
Hernando, Florida 1 $ 243,000 $ 243,000 $ 0
Highlands, Florida 1 $ 191,000 $ 191,000 $ 0
Lake, Florida 1 $ 263,000 $ 263,000 $ 0
Leon, Florida 1 $ 264,000 $ 264,000 $ 0
Manatee, Florida 1 $ 250,000 $ 250,000 $ 53,000
Pasco, Florida 1 $ 209,000 $ 209,000 $ 0
Polk, Florida 1 $ 188,000 $ 188,000 $ 75,000
Bryan, Georgia 1 $ 214,000 $ 214,000 $ 76,000
Clarke, Georgia 1 $ 186,000 $ 186,000 $ 0
Douglas, Georgia 1 $ 269,000 $ 269,000 $ 0
Forsyth, Georgia 1 $ 417,000 $ 417,000 $ 109,000
Glynn, Georgia 1 $ 220,000 $ 220,000 $ 96,000
Hall, Georgia 1 $ 115,000 $ 115,000 $ 0
Liberty, Georgia 1 $ 241,000 $ 241,000 $ 0
Lowndes, Georgia 1 $ 201,000 $ 201,000 $ 0
Richmond, Georgia 1 $ 138,000 $ 138,000 $ 37,000
Hawaii, Hawaii 1 $ 115,000 $ 115,000 $ 53,000
Maui, Hawaii 1 $ 568,000 $ 568,000 $ 95,000
Bannock, Idaho 1 $ 243,000 $ 243,000 $ 0
Canyon, Idaho 1 $ 198,000 $ 198,000 $ 0
Latah, Idaho 1 $ 219,000 $ 219,000 $ 0
Teton, Idaho 1 $ 280,000 $ 280,000 $ 47,000
Boone, Illinois 1 $ 221,000 $ 221,000 $ 0
DuPage, Illinois 1 $ 193,000 $ 193,000 $ 0
Kendall, Illinois 1 $ 177,000 $ 177,000 $ 0
Madison, Illinois 1 $ 179,000 $ 179,000 $ 0
Rock Island, Illinois 1 $ 121,000 $ 121,000 $ 37,000
Sangamon, Illinois 1 $ 183,000 $ 183,000 $ 0
Delaware, Indiana 1 $ 184,000 $ 184,000 $ 0
Floyd, Indiana 1 $ 165,000 $ 165,000 $ 0
Fulton, Indiana 1 $ 148,000 $ 148,000 $ 0
Howard, Indiana 1 $ 216,000 $ 216,000 $ 0
Madison, Indiana 1 $ 160,000 $ 160,000 $ 0
Monroe, Indiana 1 $ 257,000 $ 257,000 $ 0
St. Joseph, Indiana 1 $ 104,000 $ 104,000 $ 0
Tippecanoe, Indiana 1 $ 167,000 $ 167,000 $ 0
Warrick, Indiana 1 $ 195,000 $ 195,000 $ 0
Fremont, Iowa 1 $ 251,000 $ 251,000 $ 0
Lee, Iowa 1 $ 187,000 $ 187,000 $ 0
Linn, Iowa 1 $ 209,000 $ 209,000 $ 0
Webster, Iowa 1 $ 312,000 $ 312,000 $ 0
Riley, Kansas 1 $ 157,000 $ 157,000 $ 0
Bullitt, Kentucky 1 $ 187,000 $ 187,000 $ 0
Henry, Kentucky 1 $ 203,000 $ 203,000 $ 0
Mercer, Kentucky 1 $ 264,000 $ 264,000 $ 0
Nelson, Kentucky 1 $ 417,000 $ 417,000 $ 0
Oldham, Kentucky 1 $ 243,000 $ 243,000 $ 0
Shelby, Kentucky 1 $ 202,000 $ 202,000 $ 0
Spencer, Kentucky 1 $ 207,000 $ 207,000 $ 0
Warren, Kentucky 1 $ 188,000 $ 188,000 $ 0
Lafayette, Louisiana 1 $ 158,000 $ 158,000 $ 0
St. Tammany, Louisiana 1 $ 179,000 $ 179,000 $ 0
Terrebonne, Louisiana 1 $ 214,000 $ 214,000 $ 0
Kennebec, Maine 1 $ 208,000 $ 208,000 $ 0
Queen Anne's, Maryland 1 $ 387,000 $ 387,000 $ 186,000
Worcester, Maryland 1 $ 417,000 $ 417,000 $ 344,000
Berkshire, Massachusetts 1 $ 128,000 $ 128,000 $ 45,000
Calhoun, Michigan 1 $ 100,000 $ 100,000 $ 48,000
Chippewa, Michigan 1 $ 185,000 $ 185,000 $ 0
Delta, Michigan 1 $ 165,000 $ 165,000 $ 0
Jackson, Michigan 1 $ 188,000 $ 188,000 $ 0
Kalamazoo, Michigan 1 $ 100,000 $ 100,000 $ 36,000
Kent, Michigan 1 $ 78,000 $ 78,000 $ 37,000
Lenawee, Michigan 1 $ 162,000 $ 162,000 $ 0
Monroe, Michigan 1 $ 195,000 $ 195,000 $ 0
Shiawassee, Michigan 1 $ 181,000 $ 181,000 $ 0
Van Buren, Michigan 1 $ 180,000 $ 180,000 $ 0
Washtenaw, Michigan 1 $ 154,000 $ 154,000 $ 0
Dakota, Minnesota 1 $ 258,000 $ 258,000 $ 0
Rice, Minnesota 1 $ 261,000 $ 261,000 $ 0
Wright, Minnesota 1 $ 183,000 $ 183,000 $ 0
Harrison, Mississippi 1 $ 217,000 $ 217,000 $ 0
Jackson, Mississippi 1 $ 189,000 $ 189,000 $ 0
Lamar, Mississippi 1 $ 214,000 $ 214,000 $ 0
Clay, Missouri 1 $ 218,000 $ 218,000 $ 0
Greene, Missouri 1 $ 194,000 $ 194,000 $ 0
Pulaski, Missouri 1 $ 231,000 $ 231,000 $ 0
St. Charles, Missouri 1 $ 138,000 $ 138,000 $ 0
Taney, Missouri 1 $ 220,000 $ 220,000 $ 0
Big Horn, Montana 1 $ 126,000 $ 126,000 $ 40,000
Cascade, Montana 1 $ 178,000 $ 178,000 $ 112,000
Hill, Montana 1 $ 175,000 $ 175,000 $ 74,000
Jefferson, Montana 1 $ 281,000 $ 281,000 $ 0
Missoula, Montana 1 $ 186,000 $ 186,000 $ 0
Stillwater, Montana 1 $ 215,000 $ 215,000 $ 96,000
Sweet Grass, Montana 1 $ 209,000 $ 209,000 $ 129,000
Scotts Bluff, Nebraska 1 $ 183,000 $ 183,000 $ 0
Seward, Nebraska 1 $ 182,000 $ 182,000 $ 0
Washington, Nebraska 1 $ 207,000 $ 207,000 $ 0
Belknap, New Hampshire 1 $ 192,000 $ 192,000 $ 0
Cheshire, New Hampshire 1 $ 209,000 $ 209,000 $ 0
Atlantic, New Jersey 1 $ 235,000 $ 235,000 $ 0
Bergen, New Jersey 1 $ 393,000 $ 393,000 $ 0
Cumberland, New Jersey 1 $ 250,000 $ 250,000 $ 0
Essex, New Jersey 1 $ 470,000 $ 470,000 $ 82,000
Gloucester, New Jersey 1 $ 175,000 $ 175,000 $ 0
Warren, New Jersey 1 $ 261,000 $ 261,000 $ 0
Torrance, New Mexico 1 $ 214,000 $ 214,000 $ 0
Valencia, New Mexico 1 $ 258,000 $ 258,000 $ 0
Clinton, New York 1 $ 161,000 $ 161,000 $ 0
Fulton, New York 1 $ 181,000 $ 181,000 $ 0
Kings, New York 1 $ 423,000 $ 423,000 $ 0
Niagara, New York 1 $ 182,000 $ 182,000 $ 0
Onondaga, New York 1 $ 190,000 $ 190,000 $ 0
Rensselaer, New York 1 $ 124,000 $ 124,000 $ 32,000
Rockland, New York 1 $ 675,000 $ 675,000 $ 175,000
St. Lawrence, New York 1 $ 389,000 $ 389,000 $ 206,000
Ulster, New York 1 $ 239,000 $ 239,000 $ 0
Catawba, North Carolina 1 $ 94,000 $ 94,000 $ 47,000
Franklin, North Carolina 1 $ 212,000 $ 212,000 $ 0
Gaston, North Carolina 1 $ 365,000 $ 365,000 $ 0
Gates, North Carolina 1 $ 107,000 $ 107,000 $ 0
Graham, North Carolina 1 $ 300,000 $ 300,000 $ 143,000
Jackson, North Carolina 1 $ 98,000 $ 98,000 $ 109,000
Lenoir, North Carolina 1 $ 82,000 $ 82,000 $ 30,000
Nash, North Carolina 1 $ 98,000 $ 98,000 $ 63,000
Pender, North Carolina 1 $ 177,000 $ 177,000 $ 46,000
Person, North Carolina 1 $ 138,000 $ 138,000 $ 0
Pitt, North Carolina 1 $ 200,000 $ 200,000 $ 0
Randolph, North Carolina 1 $ 109,000 $ 109,000 $ 65,000
Robeson, North Carolina 1 $ 100,000 $ 100,000 $ 65,000
Sampson, North Carolina 1 $ 111,000 $ 111,000 $ 0
Stanly, North Carolina 1 $ 163,000 $ 163,000 $ 35,000
Stokes, North Carolina 1 $ 232,000 $ 232,000 $ 0
Watauga, North Carolina 1 $ 135,000 $ 135,000 $ 0
Wayne, North Carolina 1 $ 293,000 $ 293,000 $ 0
Ward, North Dakota 1 $ 158,000 $ 158,000 $ 58,000
Belmont, Ohio 1 $ 154,000 $ 154,000 $ 0
Darke, Ohio 1 $ 209,000 $ 209,000 $ 0
Delaware, Ohio 1 $ 374,000 $ 374,000 $ 273,000
Fairfield, Ohio 1 $ 216,000 $ 216,000 $ 0
Hancock, Ohio 1 $ 168,000 $ 168,000 $ 0
Lucas, Ohio 1 $ 191,000 $ 191,000 $ 0
Medina, Ohio 1 $ 227,000 $ 227,000 $ 0
Morrow, Ohio 1 $ 194,000 $ 194,000 $ 0
Muskingum, Ohio 1 $ 148,000 $ 148,000 $ 0
Portage, Ohio 1 $ 185,000 $ 185,000 $ 0
Preble, Ohio 1 $ 239,000 $ 239,000 $ 0
Ross, Ohio 1 $ 156,000 $ 156,000 $ 0
Beckham, Oklahoma 1 $ 172,000 $ 172,000 $ 0
Carter, Oklahoma 1 $ 305,000 $ 305,000 $ 0
Cherokee, Oklahoma 1 $ 222,000 $ 222,000 $ 0
Cleveland, Oklahoma 1 $ 187,000 $ 187,000 $ 0
Payne, Oklahoma 1 $ 213,000 $ 213,000 $ 0
Pottawatomie, Oklahoma 1 $ 238,000 $ 238,000 $ 0
Rogers, Oklahoma 1 $ 203,000 $ 203,000 $ 0
Wagoner, Oklahoma 1 $ 165,000 $ 165,000 $ 0
Washington, Oklahoma 1 $ 130,000 $ 130,000 $ 0
Benton, Oregon 1 $ 287,000 $ 287,000 $ 150,000
Linn, Oregon 1 $ 109,000 $ 109,000 $ 58,000
Wallowa, Oregon 1 $ 264,000 $ 264,000 $ 60,000
Yamhill, Oregon 1 $ 180,000 $ 180,000 $ 0
Adams, Pennsylvania 1 $ 183,000 $ 183,000 $ 54,000
Beaver, Pennsylvania 1 $ 179,000 $ 179,000 $ 0
Cumberland, Pennsylvania 1 $ 175,000 $ 175,000 $ 85,000
Delaware, Pennsylvania 1 $ 215,000 $ 215,000 $ 0
Huntingdon, Pennsylvania 1 $ 200,000 $ 200,000 $ 0
Lackawanna, Pennsylvania 1 $ 233,000 $ 233,000 $ 77,000
Lawrence, Pennsylvania 1 $ 193,000 $ 193,000 $ 0
Luzerne, Pennsylvania 1 $ 176,000 $ 176,000 $ 0
Philadelphia, Pennsylvania 1 $ 170,000 $ 170,000 $ 30,000
Washington, Pennsylvania 1 $ 166,000 $ 166,000 $ 80,000
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Mortgage Loan Application Detail Totals for Beach First National Bank in 2009

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 2,286 $525,994,000 $230,000 $2,000,000 $42,000 $2,191,000
Home Purchase 477 $102,187,000 $214,000 $1,900,000 $75,000 $653,000
Home Improvement 6 $1,002,000 $167,000 $500,000 $141,000 $483,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,337 $295,914,000 $221,000 $1,180,000 $65,000 $1,096,000
Not Provided 1,093 $244,556,000 $223,000 $1,200,000 $28,000 $2,191,000
Black or African American 192 $42,713,000 $222,000 $675,000 $36,000 $200,000
Hispanic 94 $22,288,000 $237,000 $559,000 $47,000 $900,000
Asian 26 $6,780,000 $260,000 $540,000 $67,000 $184,000
Not applicable 21 $11,758,000 $559,000 $2,000,000 $0 $0
Native Hawaiian or Other Pacific Islander 4 $1,389,000 $347,000 $468,000 $79,000 $157,000
American Indian or Alaskan Native 2 $3,785,000 $1,892,000 $1,900,000 $440,000 $466,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
VA-guaranteed (Veterans Administration) 995 $232,323,000 $233,000 $891,000 $5,000 $462,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 941 $235,505,000 $250,000 $2,000,000 $93,000 $2,191,000
FHA-insured (Federal Housing Administration) 831 $161,032,000 $193,000 $750,000 $48,000 $400,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $323,000 $161,000 $255,000 $49,000 $84,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,117 $264,275,000 $236,000 $2,000,000 $54,000 $1,096,000
Application Withdrawn By Applicant 996 $222,474,000 $223,000 $1,100,000 $43,000 $510,000
File Closed For Incompleteness 366 $78,308,000 $213,000 $1,900,000 $46,000 $2,191,000
Application Denied By Financial Institution 222 $47,415,000 $213,000 $1,180,000 $37,000 $392,000
Application Approved But Not Accepted 68 $16,711,000 $245,000 $928,000 $62,000 $400,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 169 $34,295,000 $202,000 $620,000 $20,000 $168,000
Collateral 24 $5,804,000 $241,000 $1,180,000 $75,000 $382,000
Other 14 $3,803,000 $271,000 $741,000 $130,000 $392,000
Unverifiable Information 6 $1,850,000 $308,000 $1,000,000 $58,000 $196,000
Debt-To-Income Ratio 6 $1,300,000 $216,000 $715,000 $111,000 $321,000
Insufficient Cash (Downpayment, Closing Cost) 2 $175,000 $87,000 $89,000 $9,000 $19,000
Employment History 1 $188,000 $188,000 $188,000 $116,000 $116,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Beach First National Bank's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Beach First National Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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