First National Bk Of The South
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
First National Bk Of The South 2009 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 | 1,465 |
| Total Mortgage Loan Application Amount | $240,136,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $1,313,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $1,874,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 194 | $ 34,022,000 | $ 175,000 | $ 88,000 |
| Spartanburg County South Carolina | 70 | $ 7,323,000 | $ 104,000 | $ 59,000 |
| Smyth County Virginia | 42 | $ 4,861,000 | $ 115,000 | $ 56,000 |
| Carroll County Virginia | 41 | $ 5,765,000 | $ 140,000 | $ 56,000 |
| Horry County South Carolina | 40 | $ 8,105,000 | $ 202,000 | $ 94,000 |
| Montgomery County Virginia | 38 | $ 7,084,000 | $ 186,000 | $ 68,000 |
| Pickens County South Carolina | 36 | $ 5,012,000 | $ 139,000 | $ 70,000 |
| York County South Carolina | 36 | $ 6,664,000 | $ 185,000 | $ 82,000 |
| Anderson County South Carolina | 32 | $ 5,269,000 | $ 164,000 | $ 76,000 |
| Rockbridge County Virginia | 32 | $ 6,947,000 | $ 217,000 | $ 110,000 |
| Alleghany County Virginia | 31 | $ 3,765,000 | $ 121,000 | $ 65,000 |
| Botetourt County Virginia | 31 | $ 6,159,000 | $ 198,000 | $ 80,000 |
| Roanoke County Virginia | 31 | $ 5,661,000 | $ 182,000 | $ 79,000 |
| Surry County North Carolina | 30 | $ 4,900,000 | $ 163,000 | $ 92,000 |
| Berkeley County South Carolina | 22 | $ 4,163,000 | $ 189,000 | $ 68,000 |
| Grayson County Virginia | 20 | $ 2,182,000 | $ 109,000 | $ 56,000 |
| Greenbrier County West Virginia | 17 | $ 1,780,000 | $ 104,000 | $ 46,000 |
| Richland County South Carolina | 16 | $ 2,652,000 | $ 165,000 | $ 65,000 |
| Oconee County South Carolina | 15 | $ 2,876,000 | $ 191,000 | $ 86,000 |
| Haywood County North Carolina | 13 | $ 2,336,000 | $ 179,000 | $ 67,000 |
| Charleston County South Carolina | 13 | $ 2,539,000 | $ 195,000 | $ 87,000 |
| Roanoke City County Virginia | 13 | $ 1,935,000 | $ 148,000 | $ 62,000 |
| Mecklenburg County North Carolina | 12 | $ 2,753,000 | $ 229,000 | $ 90,000 |
| Augusta County Virginia | 12 | $ 2,159,000 | $ 179,000 | $ 50,000 |
| Franklin County Virginia | 12 | $ 2,153,000 | $ 179,000 | $ 121,000 |
| Washington County Virginia | 12 | $ 1,223,000 | $ 101,000 | $ 55,000 |
| Georgetown County South Carolina | 11 | $ 1,944,000 | $ 176,000 | $ 116,000 |
| Sevier County Tennessee | 11 | $ 2,267,000 | $ 206,000 | $ 91,000 |
| Covington County Virginia | 11 | $ 1,114,000 | $ 101,000 | $ 40,000 |
| Prince Edward County Virginia | 11 | $ 1,750,000 | $ 159,000 | $ 81,000 |
| Orangeburg County South Carolina | 10 | $ 1,792,000 | $ 179,000 | $ 61,000 |
| Buena Vista County Virginia | 10 | $ 1,302,000 | $ 130,000 | $ 53,000 |
| Campbell County Virginia | 10 | $ 1,429,000 | $ 142,000 | $ 49,000 |
| Galax County Virginia | 10 | $ 1,453,000 | $ 145,000 | $ 57,000 |
| Union County South Carolina | 9 | $ 974,000 | $ 108,000 | $ 73,000 |
| Mecklenburg County Virginia | 9 | $ 1,745,000 | $ 193,000 | $ 101,000 |
| Nottoway County Virginia | 9 | $ 985,000 | $ 109,000 | $ 56,000 |
| Caldwell County North Carolina | 7 | $ 834,000 | $ 119,000 | $ 48,000 |
| Fairfield County South Carolina | 7 | $ 675,000 | $ 96,000 | $ 65,000 |
| Lexington County South Carolina | 7 | $ 1,201,000 | $ 171,000 | $ 45,000 |
| Bedford County Virginia | 7 | $ 1,205,000 | $ 172,000 | $ 66,000 |
| Colleton County South Carolina | 6 | $ 834,000 | $ 139,000 | $ 47,000 |
| Halifax County Virginia | 6 | $ 888,000 | $ 148,000 | $ 81,000 |
| Union County North Carolina | 5 | $ 1,032,000 | $ 206,000 | $ 62,000 |
| Calhoun County South Carolina | 5 | $ 872,000 | $ 174,000 | $ 63,000 |
| Frederick County Virginia | 5 | $ 829,000 | $ 165,000 | $ 37,000 |
| Lexington County Virginia | 5 | $ 781,000 | $ 156,000 | $ 73,000 |
| Lunenburg County Virginia | 5 | $ 645,000 | $ 129,000 | $ 60,000 |
| Halifax County North Carolina | 4 | $ 868,000 | $ 217,000 | $ 216,000 |
| Dorchester County South Carolina | 4 | $ 839,000 | $ 209,000 | $ 105,000 |
| Sullivan County Tennessee | 4 | $ 479,000 | $ 119,000 | $ 40,000 |
| Bath County Virginia | 4 | $ 446,000 | $ 111,000 | $ 59,000 |
| Bristol County Virginia | 4 | $ 366,000 | $ 91,000 | $ 64,000 |
| Floyd County Virginia | 4 | $ 692,000 | $ 173,000 | $ 60,000 |
| Giles County Virginia | 4 | $ 507,000 | $ 126,000 | $ 52,000 |
| Prince George County Virginia | 4 | $ 565,000 | $ 141,000 | $ 57,000 |
| Salem County Virginia | 4 | $ 625,000 | $ 156,000 | $ 73,000 |
| Staunton County Virginia | 4 | $ 725,000 | $ 181,000 | $ 87,000 |
| Suffolk County Virginia | 4 | $ 805,000 | $ 201,000 | $ 65,000 |
| Tazewell County Virginia | 4 | $ 600,000 | $ 150,000 | $ 77,000 |
| Washington County Maryland | 3 | $ 668,000 | $ 222,000 | $ 81,000 |
| Guilford County North Carolina | 3 | $ 464,000 | $ 154,000 | $ 74,000 |
| Henderson County North Carolina | 3 | $ 415,000 | $ 138,000 | $ 49,000 |
| Jackson County North Carolina | 3 | $ 904,000 | $ 301,000 | $ 737,000 |
| Lincoln County North Carolina | 3 | $ 475,000 | $ 158,000 | $ 52,000 |
| Chester County South Carolina | 3 | $ 535,000 | $ 178,000 | $ 75,000 |
| Kershaw County South Carolina | 3 | $ 518,000 | $ 172,000 | $ 84,000 |
| Knox County Tennessee | 3 | $ 484,000 | $ 161,000 | $ 75,000 |
| Rutherford County Tennessee | 3 | $ 449,000 | $ 149,000 | $ 132,000 |
| Albemarle County Virginia | 3 | $ 925,000 | $ 308,000 | $ 137,000 |
| Amelia County Virginia | 3 | $ 329,000 | $ 109,000 | $ 76,000 |
| Chesapeake County Virginia | 3 | $ 676,000 | $ 225,000 | $ 140,000 |
| Cumberland County Virginia | 3 | $ 624,000 | $ 208,000 | $ 91,000 |
| Lynchburg County Virginia | 3 | $ 196,000 | $ 65,000 | $ 35,000 |
| Pulaski County Virginia | 3 | $ 390,000 | $ 130,000 | $ 63,000 |
| Rockingham County Virginia | 3 | $ 599,000 | $ 199,000 | $ 70,000 |
| Shenandoah County Virginia | 3 | $ 530,000 | $ 176,000 | $ 60,000 |
| Catawba County North Carolina | 2 | $ 1,422,000 | $ 711,000 | $ 230,000 |
| Wake County North Carolina | 2 | $ 450,000 | $ 225,000 | $ 78,000 |
| Watauga County North Carolina | 2 | $ 316,000 | $ 158,000 | $ 60,000 |
| Wilkes County North Carolina | 2 | $ 269,000 | $ 134,000 | $ 42,000 |
| Darlington County South Carolina | 2 | $ 189,000 | $ 94,000 | $ 41,000 |
| Florence County South Carolina | 2 | $ 208,000 | $ 104,000 | $ 59,000 |
| Lancaster County South Carolina | 2 | $ 500,000 | $ 250,000 | $ 90,000 |
| Amherst County Virginia | 2 | $ 297,000 | $ 148,000 | $ 55,000 |
| Appomattox County Virginia | 2 | $ 182,000 | $ 91,000 | $ 62,000 |
| Brunswick County Virginia | 2 | $ 148,000 | $ 74,000 | $ 61,000 |
| Danville County Virginia | 2 | $ 122,000 | $ 61,000 | $ 553,000 |
| Goochland County Virginia | 2 | $ 601,000 | $ 300,000 | $ 118,000 |
| Louisa County Virginia | 2 | $ 601,000 | $ 300,000 | $ 82,000 |
| Russell County Virginia | 2 | $ 282,000 | $ 141,000 | $ 88,000 |
| Warren County Virginia | 2 | $ 250,000 | $ 125,000 | $ 48,000 |
| Wythe County Virginia | 2 | $ 265,000 | $ 132,000 | $ 36,000 |
| Bibb County Georgia | 1 | $ 272,000 | $ 272,000 | $ 80,000 |
| DeKalb County Georgia | 1 | $ 138,000 | $ 138,000 | $ 83,000 |
| Gwinnett County Georgia | 1 | $ 82,000 | $ 82,000 | $ 36,000 |
| Newton County Georgia | 1 | $ 127,000 | $ 127,000 | $ 53,000 |
| Rockdale County Georgia | 1 | $ 123,000 | $ 123,000 | $ 30,000 |
| Washtenaw County Michigan | 1 | $ 155,000 | $ 155,000 | $ 443,000 |
| Alexander County North Carolina | 1 | $ 164,000 | $ 164,000 | $ 69,000 |
| Alleghany County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Anson County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 40,000 |
| Avery County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 65,000 |
| Brunswick County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 629,000 |
| Burke County North Carolina | 1 | $ 324,000 | $ 324,000 | $ 80,000 |
| Cabarrus County North Carolina | 1 | $ 210,000 | $ 210,000 | $ 90,000 |
| Davidson County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 184,000 |
| Durham County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 50,000 |
| Forsyth County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 93,000 |
| Macon County North Carolina | 1 | $ 320,000 | $ 320,000 | $ 101,000 |
| McDowell County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 46,000 |
| Moore County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 36,000 |
| New Hanover County North Carolina | 1 | $ 187,000 | $ 187,000 | $ 63,000 |
| Rutherford County North Carolina | 1 | $ 246,000 | $ 246,000 | $ 301,000 |
| Stokes County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 45,000 |
| Barnwell County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Beaufort County South Carolina | 1 | $ 177,000 | $ 177,000 | $ 56,000 |
| Dillon County South Carolina | 1 | $ 118,000 | $ 118,000 | $ 23,000 |
| Edgefield County South Carolina | 1 | $ 134,000 | $ 134,000 | $ 61,000 |
| Greenwood County South Carolina | 1 | $ 133,000 | $ 133,000 | $ 101,000 |
| Hampton County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 108,000 |
| Carter County Tennessee | 1 | $ 94,000 | $ 94,000 | $ 68,000 |
| Cocke County Tennessee | 1 | $ 133,000 | $ 133,000 | $ 36,000 |
| Greene County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Washington County Tennessee | 1 | $ 130,000 | $ 130,000 | $ 44,000 |
| Wayne County Tennessee | 1 | $ 172,000 | $ 172,000 | $ 120,000 |
| Wilson County Tennessee | 1 | $ 221,000 | $ 221,000 | $ 80,000 |
| Arlington County Virginia | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Buckingham County Virginia | 1 | $ 182,000 | $ 182,000 | $ 47,000 |
| Charlotte County Virginia | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Dinwiddie County Virginia | 1 | $ 173,000 | $ 173,000 | $ 66,000 |
| Fauquier County Virginia | 1 | $ 202,000 | $ 202,000 | $ 74,000 |
| Gloucester County Virginia | 1 | $ 340,000 | $ 340,000 | $ 120,000 |
| Harrisonburg County Virginia | 1 | $ 30,000 | $ 30,000 | $ 38,000 |
| Henrico County Virginia | 1 | $ 63,000 | $ 63,000 | $ 56,000 |
| Henry County Virginia | 1 | $ 67,000 | $ 67,000 | $ 29,000 |
| James City County Virginia | 1 | $ 417,000 | $ 417,000 | $ 115,000 |
| Page County Virginia | 1 | $ 157,000 | $ 157,000 | $ 44,000 |
| Patrick County Virginia | 1 | $ 142,000 | $ 142,000 | $ 49,000 |
| Pittsylvania County Virginia | 1 | $ 139,000 | $ 139,000 | $ 41,000 |
| Powhatan County Virginia | 1 | $ 209,000 | $ 209,000 | $ 66,000 |
| Radford County Virginia | 1 | $ 97,000 | $ 97,000 | $ 60,000 |
| Waynesboro County Virginia | 1 | $ 129,000 | $ 129,000 | $ 36,000 |
| Wise County Virginia | 1 | $ 101,000 | $ 101,000 | $ 26,000 |
| Berkeley County West Virginia | 1 | $ 112,000 | $ 112,000 | $ 22,000 |
| Hampshire County West Virginia | 1 | $ 121,000 | $ 121,000 | $ 38,000 |
| Monongalia County West Virginia | 1 | $ 113,000 | $ 113,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for First National Bk Of The South 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 | 1,007 | $180,677,000 | $179,000 | $1,313,000 | $81,000 | $672,000 |
| Home Purchase | 440 | $58,988,000 | $134,000 | $417,000 | $66,000 | $1,874,000 |
| Home Improvement | 18 | $471,000 | $26,000 | $128,000 | $57,000 | $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 | 1,329 | $218,487,000 | $164,000 | $1,313,000 | $77,000 | $1,874,000 |
| Not Provided | 49 | $9,884,000 | $201,000 | $417,000 | $80,000 | $320,000 |
| Black or African American | 38 | $5,059,000 | $133,000 | $408,000 | $51,000 | $109,000 |
| Not applicable | 22 | $2,464,000 | $112,000 | $544,000 | $0 | $0 |
| Hispanic | 14 | $1,502,000 | $107,000 | $238,000 | $56,000 | $105,000 |
| Asian | 8 | $1,807,000 | $225,000 | $417,000 | $118,000 | $325,000 |
| American Indian or Alaskan Native | 3 | $508,000 | $169,000 | $275,000 | $85,000 | $161,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $425,000 | $212,000 | $325,000 | $152,000 | $252,000 |
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) | 1,304 | $220,933,000 | $169,000 | $1,313,000 | $80,000 | $1,874,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 161 | $19,203,000 | $119,000 | $273,000 | $41,000 | $78,000 |
| 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 | 985 | $158,424,000 | $160,000 | $544,000 | $78,000 | $1,874,000 |
| Application Withdrawn By Applicant | 350 | $64,515,000 | $184,000 | $1,313,000 | $79,000 | $672,000 |
| Application Denied By Financial Institution | 130 | $17,197,000 | $132,000 | $600,000 | $54,000 | $192,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 44 | $4,770,000 | $108,000 | $238,000 | $43,000 | $99,000 |
| Other | 29 | $3,185,000 | $109,000 | $273,000 | $48,000 | $147,000 |
| Debt-To-Income Ratio | 28 | $4,296,000 | $153,000 | $600,000 | $52,000 | $155,000 |
| Collateral | 23 | $3,696,000 | $160,000 | $417,000 | $84,000 | $192,000 |
| Employment History | 3 | $561,000 | $187,000 | $266,000 | $54,000 | $76,000 |
| Mortgage Insurance Denied | 3 | $689,000 | $229,000 | $417,000 | $54,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 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 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.