First National Bk Of The South
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008

First National Bk Of The South 2008 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 2,032
Total Mortgage Loan Application Amount $357,483,000
Average Mortgage Loan Application Amount $141,333
Highest Mortgage Loan Application Amount $2,560,000
Average Applicant Income $79,000
Highest Applicant Income $1,869,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.

Mortgage Loan Application Totals for First National Bk Of The South by County in 2008

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 212 $ 37,937,000 $ 178,000 $ 83,000
Spartanburg County South Carolina 137 $ 16,707,000 $ 121,000 $ 49,000
Montgomery County Virginia 137 $ 25,231,000 $ 184,000 $ 84,000
Anderson County South Carolina 65 $ 11,648,000 $ 179,000 $ 93,000
Horry County South Carolina 65 $ 13,044,000 $ 200,000 $ 79,000
Alleghany County Virginia 46 $ 5,078,000 $ 110,000 $ 57,000
Charleston County South Carolina 43 $ 9,942,000 $ 231,000 $ 142,000
York County South Carolina 42 $ 8,233,000 $ 196,000 $ 81,000
Berkeley County South Carolina 40 $ 7,170,000 $ 179,000 $ 74,000
Rockbridge County Virginia 38 $ 7,070,000 $ 186,000 $ 63,000
Botetourt County Virginia 36 $ 6,171,000 $ 171,000 $ 69,000
Pickens County South Carolina 30 $ 4,298,000 $ 143,000 $ 75,000
Surry County North Carolina 29 $ 4,026,000 $ 138,000 $ 59,000
Greenbrier County West Virginia 29 $ 4,067,000 $ 140,000 $ 66,000
Mecklenburg County North Carolina 23 $ 4,737,000 $ 205,000 $ 147,000
Orangeburg County South Carolina 22 $ 3,207,000 $ 145,000 $ 60,000
Augusta County Virginia 19 $ 3,577,000 $ 188,000 $ 67,000
Carroll County Virginia 19 $ 2,734,000 $ 143,000 $ 79,000
Bedford County Virginia 18 $ 3,672,000 $ 204,000 $ 107,000
Smyth County Virginia 17 $ 2,161,000 $ 127,000 $ 66,000
Lexington County Virginia 16 $ 2,695,000 $ 168,000 $ 76,000
Pulaski County Virginia 16 $ 2,602,000 $ 162,000 $ 64,000
Sevier County Tennessee 15 $ 3,346,000 $ 223,000 $ 125,000
Campbell County Virginia 15 $ 1,918,000 $ 127,000 $ 61,000
Covington County Virginia 15 $ 1,251,000 $ 83,000 $ 37,000
Roanoke County Virginia 15 $ 2,661,000 $ 177,000 $ 68,000
Buena Vista County Virginia 14 $ 1,877,000 $ 134,000 $ 55,000
Colleton County South Carolina 13 $ 1,756,000 $ 135,000 $ 77,000
Laurens County South Carolina 13 $ 2,058,000 $ 158,000 $ 79,000
Oconee County South Carolina 13 $ 2,620,000 $ 201,000 $ 119,000
Roanoke City County Virginia 13 $ 1,675,000 $ 128,000 $ 65,000
Richland County South Carolina 12 $ 2,186,000 $ 182,000 $ 65,000
Prince Edward County Virginia 12 $ 1,914,000 $ 159,000 $ 84,000
Dorchester County South Carolina 11 $ 2,230,000 $ 202,000 $ 68,000
Union County South Carolina 11 $ 1,378,000 $ 125,000 $ 60,000
Franklin County Virginia 11 $ 1,583,000 $ 143,000 $ 58,000
Wake County North Carolina 10 $ 1,802,000 $ 180,000 $ 62,000
Lynchburg County Virginia 10 $ 1,478,000 $ 147,000 $ 57,000
Mecklenburg County Virginia 10 $ 1,910,000 $ 191,000 $ 79,000
Union County North Carolina 9 $ 2,573,000 $ 285,000 $ 539,000
Lexington County South Carolina 9 $ 1,951,000 $ 216,000 $ 93,000
Nottoway County Virginia 9 $ 1,486,000 $ 165,000 $ 77,000
Halifax County North Carolina 8 $ 1,251,000 $ 156,000 $ 51,000
Washington County Tennessee 8 $ 1,100,000 $ 137,000 $ 65,000
Giles County Virginia 8 $ 850,000 $ 106,000 $ 34,000
Washington County Virginia 8 $ 1,063,000 $ 132,000 $ 94,000
Buncombe County North Carolina 7 $ 985,000 $ 140,000 $ 70,000
Fairfield County South Carolina 7 $ 798,000 $ 114,000 $ 99,000
Amelia County Virginia 7 $ 1,675,000 $ 239,000 $ 69,000
Frederick County Virginia 7 $ 1,204,000 $ 172,000 $ 82,000
Grayson County Virginia 7 $ 1,499,000 $ 214,000 $ 61,000
Wythe County Virginia 7 $ 1,197,000 $ 171,000 $ 81,000
Brunswick County North Carolina 6 $ 1,237,000 $ 206,000 $ 93,000
Davie County North Carolina 6 $ 1,593,000 $ 265,000 $ 142,000
Greenwood County South Carolina 6 $ 2,830,000 $ 471,000 $ 92,000
Haywood County North Carolina 5 $ 733,000 $ 146,000 $ 57,000
New Hanover County North Carolina 5 $ 1,142,000 $ 228,000 $ 93,000
Cherokee County South Carolina 5 $ 679,000 $ 135,000 $ 15,000
Greene County Tennessee 5 $ 596,000 $ 119,000 $ 48,000
Amherst County Virginia 5 $ 751,000 $ 150,000 $ 58,000
Bath County Virginia 5 $ 904,000 $ 180,000 $ 81,000
Floyd County Virginia 5 $ 700,000 $ 140,000 $ 46,000
Pittsylvania County Virginia 5 $ 716,000 $ 143,000 $ 57,000
Monroe County West Virginia 5 $ 463,000 $ 92,000 $ 34,000
Caldwell County North Carolina 4 $ 855,000 $ 213,000 $ 73,000
Columbus County North Carolina 4 $ 483,000 $ 120,000 $ 49,000
Watauga County North Carolina 4 $ 789,000 $ 197,000 $ 56,000
Georgetown County South Carolina 4 $ 690,000 $ 172,000 $ 89,000
Sullivan County Tennessee 4 $ 629,000 $ 157,000 $ 65,000
Galax County Virginia 4 $ 450,000 $ 112,000 $ 73,000
Henry County Virginia 4 $ 499,000 $ 124,000 $ 42,000
Salem County Virginia 4 $ 617,000 $ 154,000 $ 58,000
Staunton County Virginia 4 $ 539,000 $ 134,000 $ 67,000
Suffolk County Virginia 4 $ 979,000 $ 244,000 $ 100,000
Rockdale County Georgia 3 $ 435,000 $ 145,000 $ 67,000
Gaston County North Carolina 3 $ 2,713,000 $ 904,000 $ 46,000
Henderson County North Carolina 3 $ 372,000 $ 124,000 $ 51,000
Randolph County North Carolina 3 $ 364,000 $ 121,000 $ 42,000
Aiken County South Carolina 3 $ 355,000 $ 118,000 $ 61,000
Beaufort County South Carolina 3 $ 955,000 $ 318,000 $ 301,000
Lancaster County South Carolina 3 $ 656,000 $ 218,000 $ 83,000
Albemarle County Virginia 3 $ 680,000 $ 226,000 $ 69,000
Chesterfield County Virginia 3 $ 622,000 $ 207,000 $ 88,000
Jefferson County West Virginia 3 $ 662,000 $ 220,000 $ 109,000
Chatham County Georgia 2 $ 382,000 $ 191,000 $ 70,000
Alamance County North Carolina 2 $ 168,000 $ 84,000 $ 125,000
Davidson County North Carolina 2 $ 700,000 $ 350,000 $ 102,000
Northampton County North Carolina 2 $ 471,000 $ 235,000 $ 62,000
Orange County North Carolina 2 $ 540,000 $ 270,000 $ 72,000
Polk County North Carolina 2 $ 202,000 $ 101,000 $ 27,000
Rowan County North Carolina 2 $ 306,000 $ 153,000 $ 93,000
Rutherford County North Carolina 2 $ 267,000 $ 133,000 $ 145,000
Stokes County North Carolina 2 $ 222,000 $ 111,000 $ 120,000
Calhoun County South Carolina 2 $ 391,000 $ 195,000 $ 97,000
Florence County South Carolina 2 $ 303,000 $ 151,000 $ 91,000
Blount County Tennessee 2 $ 500,000 $ 250,000 $ 87,000
Bedford City County Virginia 2 $ 282,000 $ 141,000 $ 114,000
Charlottesville County Virginia 2 $ 337,000 $ 168,000 $ 41,000
Craig County Virginia 2 $ 524,000 $ 262,000 $ 88,000
Dinwiddie County Virginia 2 $ 374,000 $ 187,000 $ 62,000
Louisa County Virginia 2 $ 461,000 $ 230,000 $ 75,000
Lunenburg County Virginia 2 $ 289,000 $ 144,000 $ 55,000
Martinsville County Virginia 2 $ 281,000 $ 140,000 $ 64,000
Nelson County Virginia 2 $ 332,000 $ 166,000 $ 72,000
Radford County Virginia 2 $ 272,000 $ 136,000 $ 55,000
Rockingham County Virginia 2 $ 322,000 $ 161,000 $ 66,000
Shenandoah County Virginia 2 $ 683,000 $ 341,000 $ 172,000
Waynesboro County Virginia 2 $ 257,000 $ 128,000 $ 41,000
Winchester County Virginia 2 $ 477,000 $ 238,000 $ 94,000
Pocahontas County West Virginia 2 $ 162,000 $ 81,000 $ 56,000
New Castle County Delaware 1 $ 146,000 $ 146,000 $ 35,000
Bryan County Georgia 1 $ 124,000 $ 124,000 $ 94,000
Carroll County Georgia 1 $ 183,000 $ 183,000 $ 85,000
DeKalb County Georgia 1 $ 126,000 $ 126,000 $ 32,000
Fulton County Georgia 1 $ 158,000 $ 158,000 $ 120,000
Gwinnett County Georgia 1 $ 196,000 $ 196,000 $ 100,000
Jasper County Georgia 1 $ 81,000 $ 81,000 $ 29,000
Lowndes County Georgia 1 $ 155,000 $ 155,000 $ 113,000
Muscogee County Georgia 1 $ 172,000 $ 172,000 $ 50,000
Newton County Georgia 1 $ 258,000 $ 258,000 $ 66,000
Kendall County Illinois 1 $ 304,000 $ 304,000 $ 96,000
Logan County Kentucky 1 $ 100,000 $ 100,000 $ 131,000
East Baton Rouge County Louisiana 1 $ 237,000 $ 237,000 $ 55,000
Frederick County Maryland 1 $ 301,000 $ 301,000 $ 77,000
Ashe County North Carolina 1 $ 261,000 $ 261,000 $ 142,000
Avery County North Carolina 1 $ 277,000 $ 277,000 $ 0
Bladen County North Carolina 1 $ 203,000 $ 203,000 $ 118,000
Carteret County North Carolina 1 $ 1,500,000 $ 1,500,000 $ 0
Dare County North Carolina 1 $ 280,000 $ 280,000 $ 233,000
Forsyth County North Carolina 1 $ 54,000 $ 54,000 $ 21,000
Franklin County North Carolina 1 $ 179,000 $ 179,000 $ 78,000
Guilford County North Carolina 1 $ 54,000 $ 54,000 $ 65,000
Iredell County North Carolina 1 $ 194,000 $ 194,000 $ 40,000
Johnston County North Carolina 1 $ 175,000 $ 175,000 $ 138,000
Lincoln County North Carolina 1 $ 213,000 $ 213,000 $ 59,000
Onslow County North Carolina 1 $ 300,000 $ 300,000 $ 142,000
Stanly County North Carolina 1 $ 140,000 $ 140,000 $ 50,000
Bucks County Pennsylvania 1 $ 1,000,000 $ 1,000,000 $ 436,000
Barnwell County South Carolina 1 $ 275,000 $ 275,000 $ 66,000
Edgefield County South Carolina 1 $ 279,000 $ 279,000 $ 64,000
Hampton County South Carolina 1 $ 119,000 $ 119,000 $ 53,000
Jasper County South Carolina 1 $ 256,000 $ 256,000 $ 80,000
Marlboro County South Carolina 1 $ 46,000 $ 46,000 $ 36,000
McCormick County South Carolina 1 $ 249,000 $ 249,000 $ 85,000
Sumter County South Carolina 1 $ 128,000 $ 128,000 $ 74,000
Carter County Tennessee 1 $ 101,000 $ 101,000 $ 38,000
Wilson County Tennessee 1 $ 161,000 $ 161,000 $ 134,000
Dallas County Texas 1 $ 360,000 $ 360,000 $ 120,000
Bristol County Virginia 1 $ 106,000 $ 106,000 $ 49,000
Brunswick County Virginia 1 $ 167,000 $ 167,000 $ 63,000
Clarke County Virginia 1 $ 326,000 $ 326,000 $ 69,000
Fluvanna County Virginia 1 $ 219,000 $ 219,000 $ 84,000
Goochland County Virginia 1 $ 312,000 $ 312,000 $ 137,000
Halifax County Virginia 1 $ 324,000 $ 324,000 $ 354,000
Harrisonburg County Virginia 1 $ 176,000 $ 176,000 $ 33,000
James City County Virginia 1 $ 320,000 $ 320,000 $ 128,000
Norfolk County Virginia 1 $ 180,000 $ 180,000 $ 80,000
Norton County Virginia 1 $ 85,000 $ 85,000 $ 39,000
Patrick County Virginia 1 $ 173,000 $ 173,000 $ 67,000
Portsmouth County Virginia 1 $ 146,000 $ 146,000 $ 66,000
Prince George County Virginia 1 $ 90,000 $ 90,000 $ 23,000
Spotsylvania County Virginia 1 $ 165,000 $ 165,000 $ 48,000
Sussex County Virginia 1 $ 112,000 $ 112,000 $ 42,000
Tazewell County Virginia 1 $ 74,000 $ 74,000 $ 33,000
Wise County Virginia 1 $ 163,000 $ 163,000 $ 47,000
Kanawha County West Virginia 1 $ 417,000 $ 417,000 $ 209,000
Nicholas County West Virginia 1 $ 238,000 $ 238,000 $ 166,000

Mortgage Loan Application Detail Totals for First National Bk Of The South in 2008

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 1,142 $217,598,000 $190,000 $2,560,000 $82,000 $1,400,000
Home Purchase 875 $138,744,000 $158,000 $2,072,000 $78,000 $1,869,000
Home Improvement 15 $1,141,000 $76,000 $320,000 $77,000 $251,000

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 1,742 $301,966,000 $173,000 $1,425,000 $83,000 $1,869,000
Not Provided 99 $19,239,000 $194,000 $417,000 $87,000 $422,000
Not applicable 77 $16,794,000 $218,000 $2,560,000 $0 $0
Black or African American 57 $9,368,000 $164,000 $417,000 $71,000 $276,000
Hispanic 34 $5,648,000 $166,000 $800,000 $72,000 $504,000
Asian 18 $3,740,000 $207,000 $417,000 $110,000 $276,000
Native Hawaiian or Other Pacific Islander 3 $425,000 $141,000 $240,000 $65,000 $107,000
American Indian or Alaskan Native 2 $303,000 $151,000 $174,000 $57,000 $58,000

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) 2,003 $354,251,000 $176,000 $2,560,000 $81,000 $1,869,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $3,232,000 $111,000 $194,000 $39,000 $67,000
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0
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 1,619 $281,094,000 $173,000 $2,560,000 $80,000 $1,869,000
Application Withdrawn By Applicant 350 $65,484,000 $187,000 $1,000,000 $83,000 $841,000
Application Denied By Financial Institution 59 $10,364,000 $175,000 $1,425,000 $68,000 $644,000
Loan Purchased By The Institution 4 $541,000 $135,000 $216,000 $34,000 $53,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 22 $2,409,000 $109,000 $270,000 $45,000 $131,000
Debt-To-Income Ratio 11 $1,884,000 $171,000 $400,000 $40,000 $72,000
Mortgage Insurance Denied 11 $1,466,000 $133,000 $417,000 $51,000 $114,000
Collateral 8 $2,299,000 $287,000 $915,000 $133,000 $350,000
Other 7 $2,306,000 $329,000 $1,425,000 $136,000 $644,000
Unverifiable Information 0 $0 $0 $0 $0 $0
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

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bk Of The South's 2008 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.

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