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records Beach First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Myrtle Beach-North Myrtle Beach-Conway, SC | 423 | $ 83,918,000 | $ 198,387 | $ 69,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 265 | $ 81,528,000 | $ 307,652 | $ 85,071 |
| Roanoke, VA | 207 | $ 33,584,000 | $ 162,241 | $ 45,000 |
| Raleigh-Cary, NC | 89 | $ 21,743,000 | $ 244,303 | $ 74,000 |
| Wilmington, NC | 65 | $ 12,827,000 | $ 197,338 | $ 49,000 |
| Bethesda-Frederick-Rockville, MD | 58 | $ 18,954,000 | $ 326,793 | $ 112,000 |
| Richmond, VA | 54 | $ 13,788,000 | $ 255,333 | $ 60,000 |
| Lynchburg, VA | 50 | $ 7,533,000 | $ 150,660 | $ 41,000 |
| Baltimore-Towson, MD | 41 | $ 12,209,000 | $ 297,780 | $ 64,000 |
| Atlanta-Sandy Springs-Marietta, GA | 35 | $ 9,865,000 | $ 281,857 | $ 40,000 |
| Fort Worth-Arlington, TX | 34 | $ 6,815,000 | $ 200,441 | $ 1,000 |
| San Antonio, TX | 32 | $ 7,817,000 | $ 244,281 | $ 2,000 |
| Dallas-Plano-Irving, TX | 31 | $ 6,934,000 | $ 223,677 | $ 1,000 |
| Houston-Sugar Land-Baytown, TX | 31 | $ 6,430,000 | $ 207,419 | $ 12,000 |
| Austin-Round Rock, TX | 30 | $ 6,323,000 | $ 210,766 | $ 4,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 28 | $ 6,994,000 | $ 249,785 | $ 23,000 |
| Charlotte-Gastonia-Concord, NC-SC | 27 | $ 5,285,000 | $ 195,740 | $ 39,000 |
| Phoenix-Mesa-Scottsdale, AZ | 26 | $ 5,868,000 | $ 225,692 | $ 0 |
| Chicago-Naperville-Joliet, IL | 25 | $ 6,765,000 | $ 270,600 | $ 18,000 |
| Blacksburg-Christiansburg-Radford, VA | 21 | $ 3,608,000 | $ 171,809 | $ 56,000 |
| Cincinnati-Middletown, OH-KY-IN | 21 | $ 4,050,000 | $ 192,857 | $ 10,000 |
| Durham-Chapel Hill, NC | 21 | $ 3,452,000 | $ 164,380 | $ 47,000 |
| Camden, NJ | 20 | $ 4,592,000 | $ 229,600 | $ 16,000 |
| Greensboro-High Point, NC | 19 | $ 3,785,000 | $ 199,210 | $ 55,000 |
| Charleston-North Charleston-Summerville, SC | 17 | $ 3,819,000 | $ 224,647 | $ 48,000 |
| Columbia, SC | 17 | $ 3,603,000 | $ 211,941 | $ 40,000 |
| Tacoma, WA | 17 | $ 3,858,000 | $ 226,941 | $ 16,000 |
| Denver-Aurora-Broomfield, CO | 16 | $ 3,753,000 | $ 234,562 | $ 12,000 |
| Las Vegas-Paradise, NV | 16 | $ 3,854,000 | $ 240,875 | $ 3,000 |
| Louisville-Jefferson County, KY-IN | 15 | $ 3,371,000 | $ 224,733 | $ 12,133 |
| Tampa-St. Petersburg-Clearwater, FL | 15 | $ 2,752,000 | $ 183,466 | $ 14,000 |
| Seattle-Bellevue-Everett, WA | 14 | $ 3,248,000 | $ 232,000 | $ 9,000 |
| Warren-Troy-Farmington Hills, MI | 14 | $ 2,781,000 | $ 198,642 | $ 2,000 |
| Edison-New Brunswick, NJ | 13 | $ 3,811,000 | $ 293,153 | $ 18,000 |
| St. Louis, MO-IL | 13 | $ 2,809,000 | $ 216,076 | $ 0 |
| Fayetteville, NC | 11 | $ 1,941,000 | $ 176,454 | $ 5,000 |
| Honolulu, HI | 11 | $ 3,897,000 | $ 354,272 | $ 38,000 |
| Little Rock-North Little Rock-Conway, AR | 11 | $ 2,722,000 | $ 247,454 | $ 11,000 |
| Omaha-Council Bluffs, NE-IA | 11 | $ 2,334,000 | $ 212,181 | $ 17,000 |
| Portland-Vancouver-Beaverton, OR-WA | 11 | $ 2,667,000 | $ 242,454 | $ 19,636 |
| Wilmington, DE-MD-NJ | 11 | $ 2,932,000 | $ 266,545 | $ 0 |
| Memphis, TN-MS-AR | 10 | $ 1,967,000 | $ 196,700 | $ 11,400 |
| Cleveland-Elyria-Mentor, OH | 9 | $ 1,794,000 | $ 199,333 | $ 8,000 |
| Colorado Springs, CO | 9 | $ 2,170,000 | $ 241,111 | $ 7,000 |
| El Paso, TX | 9 | $ 2,056,000 | $ 228,444 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 9 | $ 2,013,000 | $ 223,666 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 1,616,000 | $ 179,555 | $ 12,000 |
| Oklahoma City, OK | 9 | $ 1,540,000 | $ 171,111 | $ 1,000 |
| Philadelphia, PA | 9 | $ 2,343,000 | $ 260,333 | $ 66,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 1,708,000 | $ 213,500 | $ 29,500 |
| Bremerton-Silverdale, WA | 8 | $ 1,902,000 | $ 237,750 | $ 0 |
| Dayton, OH | 8 | $ 1,646,000 | $ 205,750 | $ 5,000 |
| Indianapolis-Carmel, IN | 8 | $ 1,905,000 | $ 238,125 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 1,827,000 | $ 228,375 | $ 30,000 |
| Albuquerque, NM | 7 | $ 1,780,000 | $ 254,285 | $ 0 |
| Billings, MT | 7 | $ 1,386,000 | $ 198,000 | $ 32,000 |
| Columbus, OH | 7 | $ 1,515,000 | $ 216,428 | $ 39,000 |
| New Orleans-Metairie-Kenner, LA | 7 | $ 1,306,000 | $ 186,571 | $ 27,000 |
| New York-White Plains-Wayne, NY-NJ | 7 | $ 3,049,000 | $ 435,571 | $ 43,714 |
| Tucson, AZ | 7 | $ 1,621,000 | $ 231,571 | $ 0 |
| Boise City-Nampa, ID | 6 | $ 1,624,000 | $ 270,666 | $ 0 |
| Clarksville, TN-KY | 6 | $ 1,180,000 | $ 196,666 | $ 5,000 |
| Corpus Christi, TX | 6 | $ 1,028,000 | $ 171,333 | $ 12,000 |
| Gary, IN | 6 | $ 1,269,000 | $ 211,500 | $ 20,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 813,000 | $ 135,500 | $ 50,833 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 1,439,000 | $ 239,833 | $ 0 |
| Nassau-Suffolk, NY | 6 | $ 1,784,000 | $ 297,333 | $ 58,000 |
| Ogden-Clearfield, UT | 6 | $ 1,527,000 | $ 254,500 | $ 0 |
| Orlando-Kissimmee, FL | 6 | $ 911,000 | $ 151,833 | $ 17,000 |
| Sioux Falls, SD | 6 | $ 920,000 | $ 153,333 | $ 47,000 |
| Akron, OH | 5 | $ 1,284,000 | $ 256,800 | $ 0 |
| Buffalo-Niagara Falls, NY | 5 | $ 691,000 | $ 138,200 | $ 11,000 |
| Danville, VA | 5 | $ 619,000 | $ 123,800 | $ 54,000 |
| Dover, DE | 5 | $ 1,187,000 | $ 237,400 | $ 0 |
| Huntsville, AL | 5 | $ 1,609,000 | $ 321,800 | $ 91,000 |
| Jacksonville, FL | 5 | $ 1,087,000 | $ 217,400 | $ 0 |
| Lancaster, PA | 5 | $ 1,115,000 | $ 223,000 | $ 18,000 |
| Shreveport-Bossier City, LA | 5 | $ 1,049,000 | $ 209,800 | $ 36,000 |
| Tulsa, OK | 5 | $ 939,000 | $ 187,800 | $ 6,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 1,747,000 | $ 349,400 | $ 80,000 |
| Baton Rouge, LA | 4 | $ 839,000 | $ 209,750 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 4 | $ 799,000 | $ 199,750 | $ 0 |
| Elizabethtown, KY | 4 | $ 908,000 | $ 227,000 | $ 14,000 |
| Greenville-Mauldin-Easley, SC | 4 | $ 547,000 | $ 136,750 | $ 37,000 |
| Lincoln, NE | 4 | $ 866,000 | $ 216,500 | $ 0 |
| Manchester-Nashua, NH | 4 | $ 1,010,000 | $ 252,500 | $ 9,000 |
| Olympia, WA | 4 | $ 1,051,000 | $ 262,750 | $ 0 |
| Peabody, MA | 4 | $ 956,000 | $ 239,000 | $ 35,000 |
| Rapid City, SD | 4 | $ 547,000 | $ 136,750 | $ 32,000 |
| Rockingham County-Strafford County, NH | 4 | $ 1,208,000 | $ 302,000 | $ 0 |
| Spokane, WA | 4 | $ 1,432,000 | $ 358,000 | $ 80,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 720,000 | $ 180,000 | $ 13,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 537,000 | $ 179,000 | $ 10,000 |
| Asheville, NC | 3 | $ 969,000 | $ 323,000 | $ 73,000 |
| Beaumont-Port Arthur, TX | 3 | $ 656,000 | $ 218,666 | $ 0 |
| Canton-Massillon, OH | 3 | $ 618,000 | $ 206,000 | $ 60,000 |
| Charlottesville, VA | 3 | $ 873,000 | $ 291,000 | $ 13,000 |
| Cleveland, TN | 3 | $ 492,000 | $ 164,000 | $ 56,000 |
| Columbus, GA-AL | 3 | $ 633,000 | $ 211,000 | $ 0 |
| Eugene-Springfield, OR | 3 | $ 744,000 | $ 248,000 | $ 35,000 |
| Harrisburg-Carlisle, PA | 3 | $ 416,000 | $ 138,666 | $ 35,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 738,000 | $ 246,000 | $ 0 |
| Lexington-Fayette, KY | 3 | $ 629,000 | $ 209,666 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,330,000 | $ 443,333 | $ 103,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 681,000 | $ 227,000 | $ 79,000 |
| Newark-Union, NJ-PA | 3 | $ 1,013,000 | $ 337,666 | $ 45,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 567,000 | $ 189,000 | $ 0 |
| Savannah, GA | 3 | $ 657,000 | $ 219,000 | $ 25,000 |
| Spartanburg, SC | 3 | $ 1,368,000 | $ 456,000 | $ 541,000 |
| Sumter, SC | 3 | $ 621,000 | $ 207,000 | $ 0 |
| York-Hanover, PA | 3 | $ 629,000 | $ 209,666 | $ 14,000 |
| Abilene, TX | 2 | $ 317,000 | $ 158,500 | $ 0 |
| Alexandria, LA | 2 | $ 419,000 | $ 209,500 | $ 0 |
| Anderson, SC | 2 | $ 304,000 | $ 152,000 | $ 0 |
| Bellingham, WA | 2 | $ 475,000 | $ 237,500 | $ 0 |
| Bend, OR | 2 | $ 472,000 | $ 236,000 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 342,000 | $ 171,000 | $ 73,000 |
| Boulder, CO | 2 | $ 418,000 | $ 209,000 | $ 43,000 |
| Burlington, NC | 2 | $ 373,000 | $ 186,500 | $ 66,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 415,000 | $ 207,500 | $ 55,000 |
| Charleston, WV | 2 | $ 300,000 | $ 150,000 | $ 74,000 |
| Chattanooga, TN-GA | 2 | $ 233,000 | $ 116,500 | $ 57,000 |
| Coeur D'Alene, ID | 2 | $ 394,000 | $ 197,000 | $ 0 |
| Des Moines-West Des Moines, IA | 2 | $ 467,000 | $ 233,500 | $ 0 |
| Fort Smith, AR-OK | 2 | $ 423,000 | $ 211,500 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 423,000 | $ 211,500 | $ 27,000 |
| Fort Wayne, IN | 2 | $ 366,000 | $ 183,000 | $ 54,000 |
| Green Bay, WI | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 210,000 | $ 105,000 | $ 42,000 |
| Jackson, MS | 2 | $ 462,000 | $ 231,000 | $ 0 |
| Jacksonville, NC | 2 | $ 512,000 | $ 256,000 | $ 0 |
| Kalamazoo-Portage, MI | 2 | $ 280,000 | $ 140,000 | $ 18,000 |
| Las Cruces, NM | 2 | $ 434,000 | $ 217,000 | $ 0 |
| Lawton, OK | 2 | $ 481,000 | $ 240,500 | $ 0 |
| McAllen-Edinburg-Mission, TX | 2 | $ 407,000 | $ 203,500 | $ 0 |
| Mount Vernon-Anacortes, WA | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Naples-Marco Island, FL | 2 | $ 340,000 | $ 170,000 | $ 65,000 |
| Niles-Benton Harbor, MI | 2 | $ 451,000 | $ 225,500 | $ 52,000 |
| Ocean City, NJ | 2 | $ 427,000 | $ 213,500 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 604,000 | $ 302,000 | $ 0 |
| Peoria, IL | 2 | $ 328,000 | $ 164,000 | $ 0 |
| Pittsburgh, PA | 2 | $ 345,000 | $ 172,500 | $ 40,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 508,000 | $ 254,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 791,000 | $ 395,500 | $ 15,000 |
| Punta Gorda, FL | 2 | $ 387,000 | $ 193,500 | $ 25,000 |
| Racine, WI | 2 | $ 435,000 | $ 217,500 | $ 0 |
| Reno-Sparks, NV | 2 | $ 506,000 | $ 253,000 | $ 0 |
| Rochester, NY | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Salisbury, MD | 2 | $ 272,000 | $ 136,000 | $ 62,000 |
| Sandusky, OH | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Scranton--Wilkes-Barre, PA | 2 | $ 409,000 | $ 204,500 | $ 38,000 |
| Trenton-Ewing, NJ | 2 | $ 361,000 | $ 180,500 | $ 55,000 |
| Victoria, TX | 2 | $ 558,000 | $ 279,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Amarillo, TX | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Anderson, IN | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Appleton, WI | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Battle Creek, MI | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Bloomington, IN | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Bowling Green, KY | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 250,000 | $ 250,000 | $ 53,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 248,000 | $ 248,000 | $ 86,000 |
| Brownsville-Harlingen, TX | 1 | $ 294,000 | $ 294,000 | $ 120,000 |
| Brunswick, GA | 1 | $ 220,000 | $ 220,000 | $ 96,000 |
| Burlington-South Burlington, VT | 1 | $ 192,000 | $ 192,000 | $ 60,000 |
| Casper, WY | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Cheyenne, WY | 1 | $ 325,000 | $ 325,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Corvallis, OR | 1 | $ 287,000 | $ 287,000 | $ 150,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 121,000 | $ 121,000 | $ 37,000 |
| Evansville, IN-KY | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Fort Collins-Loveland, CO | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Fresno, CA | 1 | $ 388,000 | $ 388,000 | $ 0 |
| Gainesville, GA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Goldsboro, NC | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Grand Junction, CO | 1 | $ 170,000 | $ 170,000 | $ 42,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 78,000 | $ 78,000 | $ 37,000 |
| Great Falls, MT | 1 | $ 178,000 | $ 178,000 | $ 112,000 |
| Greeley, CO | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Greenville, NC | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 417,000 | $ 417,000 | $ 132,000 |
| Hattiesburg, MS | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 94,000 | $ 94,000 | $ 47,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Jackson, MI | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Kingston, NY | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Knoxville, TN | 1 | $ 69,000 | $ 69,000 | $ 26,000 |
| Kokomo, IN | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Lafayette, IN | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Lafayette, LA | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 188,000 | $ 188,000 | $ 75,000 |
| Manhattan, KS | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Missoula, MT | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Mobile, AL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Monroe, MI | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Muncie, IN | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Oakland-Fremont-Hayward, CA | 1 | $ 527,000 | $ 527,000 | $ 110,000 |
| Palm Coast, FL | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 237,000 | $ 237,000 | $ 0 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 159,000 | $ 159,000 | $ 32,000 |
| Pascagoula, MS | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Pittsfield, MA | 1 | $ 128,000 | $ 128,000 | $ 45,000 |
| Pocatello, ID | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Prescott, AZ | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 1,885,000 | $ 1,885,000 | $ 466,000 |
| Pueblo, CO | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Rockford, IL | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 98,000 | $ 98,000 | $ 63,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 238,000 | $ 238,000 | $ 0 |
| San Angelo, TX | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 590,000 | $ 590,000 | $ 96,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Springfield, IL | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Springfield, MO | 1 | $ 194,000 | $ 194,000 | $ 0 |
| St. George, UT | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Syracuse, NY | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Tallahassee, FL | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Toledo, OH | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 86,000 | $ 86,000 | $ 45,000 |
| Tyler, TX | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Valdosta, GA | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Wausau, WI | 1 | $ 234,000 | $ 234,000 | $ 43,000 |
| Wheeling, WV-OH | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Yakima, WA | 1 | $ 197,000 | $ 197,000 | $ 0 |
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.
For a list of all lenders in South Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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