Community First Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Community First Bank, Inc. 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Community First Bank, Inc. 3685 Blue Ridge Blvd Walhalla, SC 29691 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 182 |
| Total Mortgage Loan Application Amount | $56,340,000 |
| Average Mortgage Loan Application Amount | $260,500 |
| Highest Mortgage Loan Application Amount | $5,305,000 |
| Average Applicant Income | $118,250 |
| Highest Applicant Income | $682,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Community First Bank, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Community First Bank, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Community First Bank, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Community First Bank, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Community First Bank, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Community First Bank, Inc.'s mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oconee County South Carolina | 46 | $ 11,910,000 | $ 258,000 | $ 107,000 |
| Anderson County South Carolina | 24 | $ 4,370,000 | $ 182,000 | $ 98,000 |
| Carter County Tennessee | 19 | $ 3,815,000 | $ 200,000 | $ 81,000 |
| Mecklenburg County North Carolina | 15 | $ 12,085,000 | $ 805,000 | $ 174,000 |
| Washington County Tennessee | 10 | $ 2,780,000 | $ 278,000 | $ 165,000 |
| New Hanover County North Carolina | 9 | $ 2,385,000 | $ 265,000 | $ 94,000 |
| Hart County Georgia | 6 | $ 2,910,000 | $ 485,000 | $ 245,000 |
| Stephens County Georgia | 4 | $ 660,000 | $ 165,000 | $ 91,000 |
| Brunswick County North Carolina | 4 | $ 930,000 | $ 232,000 | $ 92,000 |
| Greenville County South Carolina | 4 | $ 560,000 | $ 140,000 | $ 45,000 |
| Spartanburg County South Carolina | 3 | $ 735,000 | $ 245,000 | $ 195,000 |
| Sullivan County Tennessee | 3 | $ 605,000 | $ 201,000 | $ 48,000 |
| Habersham County Georgia | 2 | $ 350,000 | $ 175,000 | $ 334,000 |
| Cabarrus County North Carolina | 2 | $ 280,000 | $ 140,000 | $ 27,000 |
| Catawba County North Carolina | 2 | $ 1,070,000 | $ 535,000 | $ 256,000 |
| Onslow County North Carolina | 2 | $ 680,000 | $ 340,000 | $ 114,000 |
| Franklin County Georgia | 1 | $ 545,000 | $ 545,000 | $ 168,000 |
| Hall County Georgia | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Rabun County Georgia | 1 | $ 315,000 | $ 315,000 | $ 104,000 |
| Alleghany County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| Buncombe County North Carolina | 1 | $ 2,905,000 | $ 2,905,000 | $ 682,000 |
| Davidson County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 42,000 |
| Forsyth County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 61,000 |
| Gaston County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 142,000 |
| Guilford County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Jackson County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 119,000 |
| Lincoln County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 111,000 |
| Macon County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 98,000 |
| Pender County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Rowan County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Union County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 66,000 |
| Charleston County South Carolina | 1 | $ 355,000 | $ 355,000 | $ 120,000 |
| Chester County South Carolina | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Horry County South Carolina | 1 | $ 325,000 | $ 325,000 | $ 88,000 |
| Lancaster County South Carolina | 1 | $ 335,000 | $ 335,000 | $ 130,000 |
| Lexington County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Pickens County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| York County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Davidson County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 212,000 |
| Hawkins County Tennessee | 1 | $ 355,000 | $ 355,000 | $ 140,000 |
| Knox County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 41,000 |
| Rutherford County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 63,000 |
| Sevier County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 0 |
Mortgage Loan Application Detail Totals for Community First Bank, Inc. in 2021
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 102 | $34,000,000 | $333,000 | $5,305,000 | $120,000 | $592,000 |
| Refinancing | 61 | $18,015,000 | $295,000 | $3,205,000 | $107,000 | $682,000 |
| Cash-out Refinancing | 15 | $3,635,000 | $242,000 | $545,000 | $158,000 | $592,000 |
| Other Purpose | 4 | $690,000 | $172,000 | $355,000 | $88,000 | $140,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 136 | $36,020,000 | $264,000 | $2,905,000 | $122,000 | $682,000 |
| Not applicable | 16 | $13,140,000 | $821,000 | $5,305,000 | $0 | $0 |
| Not Provided | 11 | $3,165,000 | $287,000 | $705,000 | $126,000 | $526,000 |
| Black or African American | 6 | $1,300,000 | $216,000 | $545,000 | $95,000 | $168,000 |
| Hispanic | 5 | $1,025,000 | $205,000 | $325,000 | $59,000 | $88,000 |
| Asian | 3 | $545,000 | $181,000 | $425,000 | $79,000 | $143,000 |
| American Indian or Alaskan Native | 2 | $190,000 | $95,000 | $105,000 | $51,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 182 | $56,340,000 | $309,000 | $5,305,000 | $119,000 | $682,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 94 | $34,510,000 | $367,000 | $5,305,000 | $135,000 | $682,000 |
| Loan Purchased By The Institution | 32 | $9,620,000 | $300,000 | $705,000 | $116,000 | $526,000 |
| Application Withdrawn By Applicant | 28 | $6,670,000 | $238,000 | $725,000 | $109,000 | $305,000 |
| Application Denied By Financial Institution | 20 | $3,970,000 | $198,000 | $545,000 | $70,000 | $222,000 |
| Application Approved But Not Accepted | 7 | $1,315,000 | $187,000 | $475,000 | $157,000 | $489,000 |
| File Closed For Incompleteness | 1 | $255,000 | $255,000 | $255,000 | $60,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 162 | $52,370,000 | $323,000 | $5,305,000 | $126,000 | $682,000 |
| Credit History | 8 | $1,510,000 | $188,000 | $545,000 | $66,000 | $168,000 |
| Debt-To-Income Ratio | 6 | $1,170,000 | $195,000 | $355,000 | $65,000 | $140,000 |
| Other | 4 | $830,000 | $207,000 | $425,000 | $42,000 | $57,000 |
| Unverifiable Information | 1 | $405,000 | $405,000 | $405,000 | $222,000 | $222,000 |
| Collateral | 1 | $55,000 | $55,000 | $55,000 | $92,000 | $92,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community First Bank, Inc.'s 2021 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 Community First Bank, Inc.'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.