First National Bk Of The South
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
First National Bk Of The South 2007 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 | First National Bk Of The South P.O. Box 3508 Spartanburg, SC 29304 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,520 |
| Total Mortgage Loan Application Amount | $262,849,000 |
| Average Mortgage Loan Application Amount | $134,333 |
| Highest Mortgage Loan Application Amount | $2,900,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $1,560,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with First National Bk Of The South. 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 First National Bk Of The South's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down First National Bk Of The South'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 First National Bk Of The South serves its applicants.
Each category highlights the total number of mortgage applications processed by First National Bk Of The South, 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 First National Bk Of The South's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Greenville County South Carolina | 199 | $ 35,173,000 | $ 176,000 | $ 90,000 |
| Spartanburg County South Carolina | 168 | $ 17,182,000 | $ 102,000 | $ 57,000 |
| Horry County South Carolina | 64 | $ 12,686,000 | $ 198,000 | $ 96,000 |
| Montgomery County Virginia | 56 | $ 9,665,000 | $ 172,000 | $ 70,000 |
| Rockbridge County Virginia | 39 | $ 7,792,000 | $ 199,000 | $ 78,000 |
| Charleston County South Carolina | 37 | $ 11,080,000 | $ 299,000 | $ 140,000 |
| Anderson County South Carolina | 30 | $ 4,287,000 | $ 142,000 | $ 69,000 |
| Botetourt County Virginia | 28 | $ 4,981,000 | $ 177,000 | $ 72,000 |
| Berkeley County South Carolina | 25 | $ 7,414,000 | $ 296,000 | $ 144,000 |
| Oconee County South Carolina | 23 | $ 4,158,000 | $ 180,000 | $ 82,000 |
| York County South Carolina | 23 | $ 4,147,000 | $ 180,000 | $ 84,000 |
| Roanoke County Virginia | 22 | $ 4,140,000 | $ 188,000 | $ 81,000 |
| Orangeburg County South Carolina | 19 | $ 3,134,000 | $ 164,000 | $ 66,000 |
| Pickens County South Carolina | 19 | $ 3,966,000 | $ 208,000 | $ 70,000 |
| Buena Vista County Virginia | 16 | $ 2,712,000 | $ 169,000 | $ 84,000 |
| Alleghany County Virginia | 14 | $ 1,347,000 | $ 96,000 | $ 73,000 |
| Colleton County South Carolina | 12 | $ 1,744,000 | $ 145,000 | $ 130,000 |
| Roanoke City County Virginia | 12 | $ 1,218,000 | $ 101,000 | $ 75,000 |
| Surry County North Carolina | 11 | $ 1,316,000 | $ 119,000 | $ 54,000 |
| Dorchester County South Carolina | 11 | $ 2,059,000 | $ 187,000 | $ 78,000 |
| Augusta County Virginia | 11 | $ 2,049,000 | $ 186,000 | $ 79,000 |
| Richland County South Carolina | 10 | $ 1,711,000 | $ 171,000 | $ 154,000 |
| Pulaski County Virginia | 10 | $ 1,157,000 | $ 115,000 | $ 53,000 |
| Watauga County North Carolina | 9 | $ 1,776,000 | $ 197,000 | $ 77,000 |
| Carroll County Virginia | 8 | $ 1,107,000 | $ 138,000 | $ 61,000 |
| Covington County Virginia | 8 | $ 686,000 | $ 85,000 | $ 52,000 |
| Grayson County Virginia | 8 | $ 984,000 | $ 123,000 | $ 59,000 |
| Prince Edward County Virginia | 8 | $ 1,101,000 | $ 137,000 | $ 59,000 |
| Greenbrier County West Virginia | 8 | $ 1,254,000 | $ 156,000 | $ 61,000 |
| Wake County North Carolina | 7 | $ 1,397,000 | $ 199,000 | $ 84,000 |
| Georgetown County South Carolina | 7 | $ 2,330,000 | $ 332,000 | $ 122,000 |
| Radford County Virginia | 7 | $ 842,000 | $ 120,000 | $ 66,000 |
| Mecklenburg County North Carolina | 6 | $ 1,419,000 | $ 236,000 | $ 74,000 |
| Greenwood County South Carolina | 6 | $ 922,000 | $ 153,000 | $ 54,000 |
| Bedford County Virginia | 6 | $ 832,000 | $ 138,000 | $ 63,000 |
| Brunswick County North Carolina | 5 | $ 1,585,000 | $ 317,000 | $ 322,000 |
| Laurens County South Carolina | 5 | $ 761,000 | $ 152,000 | $ 53,000 |
| Lexington County Virginia | 5 | $ 766,000 | $ 153,000 | $ 111,000 |
| Mecklenburg County Virginia | 5 | $ 1,087,000 | $ 217,000 | $ 115,000 |
| Forsyth County North Carolina | 4 | $ 665,000 | $ 166,000 | $ 104,000 |
| Guilford County North Carolina | 4 | $ 903,000 | $ 225,000 | $ 211,000 |
| Calhoun County South Carolina | 4 | $ 615,000 | $ 153,000 | $ 59,000 |
| Fairfield County South Carolina | 4 | $ 367,000 | $ 91,000 | $ 44,000 |
| Union County South Carolina | 4 | $ 376,000 | $ 94,000 | $ 47,000 |
| Sevier County Tennessee | 4 | $ 486,000 | $ 121,000 | $ 32,000 |
| Bath County Virginia | 4 | $ 285,000 | $ 71,000 | $ 51,000 |
| Fairfax County Virginia | 4 | $ 1,072,000 | $ 268,000 | $ 82,000 |
| Nottoway County Virginia | 4 | $ 602,000 | $ 150,000 | $ 62,000 |
| Smyth County Virginia | 4 | $ 503,000 | $ 125,000 | $ 40,000 |
| Tazewell County Virginia | 4 | $ 403,000 | $ 100,000 | $ 62,000 |
| Chatham County Georgia | 3 | $ 466,000 | $ 155,000 | $ 92,000 |
| Haralson County Georgia | 3 | $ 554,000 | $ 184,000 | $ 129,000 |
| Alleghany County North Carolina | 3 | $ 591,000 | $ 197,000 | $ 75,000 |
| Buncombe County North Carolina | 3 | $ 518,000 | $ 172,000 | $ 48,000 |
| Cherokee County South Carolina | 3 | $ 298,000 | $ 99,000 | $ 64,000 |
| Lexington County South Carolina | 3 | $ 504,000 | $ 168,000 | $ 41,000 |
| Sumter County South Carolina | 3 | $ 198,000 | $ 66,000 | $ 23,000 |
| Albemarle County Virginia | 3 | $ 717,000 | $ 239,000 | $ 65,000 |
| Galax County Virginia | 3 | $ 646,000 | $ 215,000 | $ 63,000 |
| Patrick County Virginia | 3 | $ 393,000 | $ 131,000 | $ 68,000 |
| Russell County Virginia | 3 | $ 482,000 | $ 160,000 | $ 98,000 |
| Suffolk County Virginia | 3 | $ 588,000 | $ 196,000 | $ 54,000 |
| Bryan County Georgia | 2 | $ 627,000 | $ 313,000 | $ 109,000 |
| Douglas County Georgia | 2 | $ 529,000 | $ 264,000 | $ 180,000 |
| Lincoln County Nebraska | 2 | $ 146,000 | $ 73,000 | $ 74,000 |
| Avery County North Carolina | 2 | $ 377,000 | $ 188,000 | $ 117,000 |
| Burke County North Carolina | 2 | $ 166,000 | $ 83,000 | $ 93,000 |
| Davidson County North Carolina | 2 | $ 275,000 | $ 137,000 | $ 63,000 |
| Davie County North Carolina | 2 | $ 270,000 | $ 135,000 | $ 51,000 |
| Durham County North Carolina | 2 | $ 155,000 | $ 77,000 | $ 99,000 |
| Haywood County North Carolina | 2 | $ 525,000 | $ 262,000 | $ 258,000 |
| Iredell County North Carolina | 2 | $ 632,000 | $ 316,000 | $ 95,000 |
| Lincoln County North Carolina | 2 | $ 430,000 | $ 215,000 | $ 133,000 |
| Aiken County South Carolina | 2 | $ 166,000 | $ 83,000 | $ 27,000 |
| Beaufort County South Carolina | 2 | $ 704,000 | $ 352,000 | $ 42,000 |
| Marion County South Carolina | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Johnson County Tennessee | 2 | $ 253,000 | $ 126,000 | $ 49,000 |
| Campbell County Virginia | 2 | $ 270,000 | $ 135,000 | $ 45,000 |
| Charlottesville County Virginia | 2 | $ 369,000 | $ 184,000 | $ 65,000 |
| Chesterfield County Virginia | 2 | $ 472,000 | $ 236,000 | $ 218,000 |
| Fluvanna County Virginia | 2 | $ 352,000 | $ 176,000 | $ 59,000 |
| Franklin County Virginia | 2 | $ 322,000 | $ 161,000 | $ 38,000 |
| Lunenburg County Virginia | 2 | $ 318,000 | $ 159,000 | $ 106,000 |
| Lynchburg County Virginia | 2 | $ 124,000 | $ 62,000 | $ 38,000 |
| Staunton County Virginia | 2 | $ 392,000 | $ 196,000 | $ 89,000 |
| Hartford County Connecticut | 1 | $ 342,000 | $ 342,000 | $ 119,000 |
| Escambia County Florida | 1 | $ 650,000 | $ 650,000 | $ 423,000 |
| St. Johns County Florida | 1 | $ 304,000 | $ 304,000 | $ 239,000 |
| Bulloch County Georgia | 1 | $ 246,000 | $ 246,000 | $ 134,000 |
| Cobb County Georgia | 1 | $ 800,000 | $ 800,000 | $ 254,000 |
| Columbia County Georgia | 1 | $ 154,000 | $ 154,000 | $ 94,000 |
| Effingham County Georgia | 1 | $ 127,000 | $ 127,000 | $ 52,000 |
| Gwinnett County Georgia | 1 | $ 283,000 | $ 283,000 | $ 65,000 |
| Hart County Georgia | 1 | $ 264,000 | $ 264,000 | $ 159,000 |
| Spalding County Georgia | 1 | $ 86,000 | $ 86,000 | $ 30,000 |
| Union County Georgia | 1 | $ 114,000 | $ 114,000 | $ 147,000 |
| Marion County Indiana | 1 | $ 165,000 | $ 165,000 | $ 144,000 |
| Yellowstone County Montana | 1 | $ 216,000 | $ 216,000 | $ 95,000 |
| Ashe County North Carolina | 1 | $ 107,000 | $ 107,000 | $ 35,000 |
| Caldwell County North Carolina | 1 | $ 229,000 | $ 229,000 | $ 73,000 |
| Columbus County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 38,000 |
| Henderson County North Carolina | 1 | $ 290,000 | $ 290,000 | $ 80,000 |
| Jackson County North Carolina | 1 | $ 1,160,000 | $ 1,160,000 | $ 0 |
| Orange County North Carolina | 1 | $ 408,000 | $ 408,000 | $ 127,000 |
| Randolph County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 38,000 |
| Rockingham County North Carolina | 1 | $ 259,000 | $ 259,000 | $ 133,000 |
| Rowan County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Abbeville County South Carolina | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Chester County South Carolina | 1 | $ 61,000 | $ 61,000 | $ 43,000 |
| Dillon County South Carolina | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Lee County South Carolina | 1 | $ 153,000 | $ 153,000 | $ 36,000 |
| Williamsburg County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Williamson County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Amelia County Virginia | 1 | $ 189,000 | $ 189,000 | $ 70,000 |
| Appomattox County Virginia | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Bristol County Virginia | 1 | $ 220,000 | $ 220,000 | $ 113,000 |
| Buchanan County Virginia | 1 | $ 74,000 | $ 74,000 | $ 38,000 |
| Charlotte County Virginia | 1 | $ 98,000 | $ 98,000 | $ 38,000 |
| Cumberland County Virginia | 1 | $ 98,000 | $ 98,000 | $ 58,000 |
| Floyd County Virginia | 1 | $ 142,000 | $ 142,000 | $ 67,000 |
| Giles County Virginia | 1 | $ 137,000 | $ 137,000 | $ 61,000 |
| Greene County Virginia | 1 | $ 217,000 | $ 217,000 | $ 45,000 |
| Harrisonburg County Virginia | 1 | $ 173,000 | $ 173,000 | $ 61,000 |
| Henrico County Virginia | 1 | $ 110,000 | $ 110,000 | $ 71,000 |
| Louisa County Virginia | 1 | $ 122,000 | $ 122,000 | $ 48,000 |
| Nelson County Virginia | 1 | $ 221,000 | $ 221,000 | $ 69,000 |
| Page County Virginia | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Prince William County Virginia | 1 | $ 248,000 | $ 248,000 | $ 100,000 |
| Richmond City County Virginia | 1 | $ 164,000 | $ 164,000 | $ 142,000 |
| Salem County Virginia | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Washington County Virginia | 1 | $ 200,000 | $ 200,000 | $ 77,000 |
| Wythe County Virginia | 1 | $ 270,000 | $ 270,000 | $ 35,000 |
| Fayette County West Virginia | 1 | $ 148,000 | $ 148,000 | $ 71,000 |
| Mercer County West Virginia | 1 | $ 122,000 | $ 122,000 | $ 60,000 |
| Monongalia County West Virginia | 1 | $ 110,000 | $ 110,000 | $ 54,000 |
| Monroe County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for First National Bk Of The South in 2007
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 | 754 | $121,181,000 | $160,000 | $2,900,000 | $78,000 | $1,220,000 |
| Refinancing | 745 | $140,501,000 | $188,000 | $1,500,000 | $87,000 | $1,560,000 |
| Home Improvement | 21 | $1,167,000 | $55,000 | $191,000 | $72,000 | $198,000 |
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 | 1,244 | $218,877,000 | $175,000 | $2,900,000 | $90,000 | $1,560,000 |
| Not Provided | 97 | $15,378,000 | $158,000 | $842,000 | $78,000 | $1,007,000 |
| Not applicable | 83 | $14,310,000 | $172,000 | $1,460,000 | $0 | $0 |
| Black or African American | 59 | $7,999,000 | $135,000 | $410,000 | $65,000 | $198,000 |
| Hispanic | 20 | $3,635,000 | $181,000 | $960,000 | $75,000 | $336,000 |
| Asian | 12 | $1,865,000 | $155,000 | $350,000 | $56,000 | $130,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $642,000 | $160,000 | $214,000 | $58,000 | $91,000 |
| American Indian or Alaskan Native | 1 | $143,000 | $143,000 | $143,000 | $36,000 | $36,000 |
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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,516 | $262,383,000 | $173,000 | $2,900,000 | $83,000 | $1,560,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $376,000 | $125,000 | $153,000 | $45,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 1 | $90,000 | $90,000 | $90,000 | $44,000 | $44,000 |
| FHA-insured (Federal Housing 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 | 1,136 | $193,928,000 | $170,000 | $2,900,000 | $81,000 | $1,220,000 |
| Application Withdrawn By Applicant | 273 | $53,844,000 | $197,000 | $1,500,000 | $97,000 | $1,560,000 |
| Application Denied By Financial Institution | 99 | $13,739,000 | $138,000 | $842,000 | $58,000 | $510,000 |
| Application Approved But Not Accepted | 8 | $980,000 | $122,000 | $224,000 | $74,000 | $199,000 |
| File Closed For Incompleteness | 2 | $198,000 | $99,000 | $109,000 | $31,000 | $34,000 |
| Preapproval Approved but not Accepted | 2 | $160,000 | $80,000 | $80,000 | $27,000 | $39,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 62 | $7,368,000 | $118,000 | $590,000 | $53,000 | $402,000 |
| Other | 23 | $4,593,000 | $199,000 | $842,000 | $55,000 | $276,000 |
| Collateral | 7 | $1,047,000 | $149,000 | $256,000 | $139,000 | $510,000 |
| Debt-To-Income Ratio | 7 | $731,000 | $104,000 | $206,000 | $34,000 | $53,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bk Of The South's 2007 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 First National Bk Of The South'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.