National Bk Of South Carolina
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
National Bk Of South Carolina 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 | National Bk Of South Carolina Po Box 1798 Sumter, SC 29151 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 532 |
| Total Mortgage Loan Application Amount | $100,961,000 |
| Average Mortgage Loan Application Amount | $176,333 |
| Highest Mortgage Loan Application Amount | $3,750,000 |
| Average Applicant Income | $127,333 |
| Highest Applicant Income | $8,727,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with National Bk Of South Carolina. 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 National Bk Of South Carolina's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down National Bk Of South Carolina'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 National Bk Of South Carolina serves its applicants.
Each category highlights the total number of mortgage applications processed by National Bk Of South Carolina, 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 National Bk Of South Carolina'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 |
|---|---|---|---|---|
| Sumter County South Carolina | 85 | $ 4,934,000 | $ 58,000 | $ 60,000 |
| Horry County South Carolina | 67 | $ 11,031,000 | $ 164,000 | $ 126,000 |
| Clarendon County South Carolina | 63 | $ 4,118,000 | $ 65,000 | $ 74,000 |
| Richland County South Carolina | 59 | $ 14,014,000 | $ 237,000 | $ 183,000 |
| Kershaw County South Carolina | 37 | $ 4,674,000 | $ 126,000 | $ 74,000 |
| Anderson County South Carolina | 35 | $ 4,354,000 | $ 124,000 | $ 65,000 |
| Charleston County South Carolina | 29 | $ 24,121,000 | $ 831,000 | $ 453,000 |
| Spartanburg County South Carolina | 25 | $ 2,776,000 | $ 111,000 | $ 50,000 |
| Lee County South Carolina | 23 | $ 611,000 | $ 26,000 | $ 37,000 |
| Greenville County South Carolina | 22 | $ 3,609,000 | $ 164,000 | $ 176,000 |
| Beaufort County South Carolina | 11 | $ 7,546,000 | $ 686,000 | $ 279,000 |
| Florence County South Carolina | 11 | $ 1,404,000 | $ 127,000 | $ 55,000 |
| Lexington County South Carolina | 9 | $ 1,598,000 | $ 177,000 | $ 116,000 |
| Georgetown County South Carolina | 8 | $ 2,149,000 | $ 268,000 | $ 287,000 |
| Berkeley County South Carolina | 6 | $ 4,292,000 | $ 715,000 | $ 212,000 |
| Dorchester County South Carolina | 6 | $ 428,000 | $ 71,000 | $ 84,000 |
| Oconee County South Carolina | 5 | $ 1,953,000 | $ 390,000 | $ 79,000 |
| Darlington County South Carolina | 4 | $ 293,000 | $ 73,000 | $ 135,000 |
| Colleton County South Carolina | 3 | $ 2,135,000 | $ 711,000 | $ 0 |
| Williamsburg County South Carolina | 3 | $ 42,000 | $ 14,000 | $ 89,000 |
| Avery County North Carolina | 2 | $ 1,699,000 | $ 849,000 | $ 56,000 |
| Columbus County North Carolina | 2 | $ 38,000 | $ 19,000 | $ 49,000 |
| Dillon County South Carolina | 2 | $ 109,000 | $ 54,000 | $ 75,000 |
| Orangeburg County South Carolina | 2 | $ 330,000 | $ 165,000 | $ 58,000 |
| York County South Carolina | 2 | $ 635,000 | $ 317,000 | $ 125,000 |
| New York County New York | 1 | $ 700,000 | $ 700,000 | $ 1,351,000 |
| Ashe County North Carolina | 1 | $ 206,000 | $ 206,000 | $ 412,000 |
| Cherokee County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Chesterfield County South Carolina | 1 | $ 128,000 | $ 128,000 | $ 553,000 |
| Fairfield County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 115,000 |
| Marion County South Carolina | 1 | $ 37,000 | $ 37,000 | $ 102,000 |
| McCormick County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Newberry County South Carolina | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Pickens County South Carolina | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Bedford County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 699,000 |
| Williamson County Tennessee | 1 | $ 22,000 | $ 22,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for National Bk Of South Carolina 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 |
|---|---|---|---|---|---|---|
| Refinancing | 286 | $52,239,000 | $182,000 | $2,000,000 | $107,000 | $2,611,000 |
| Home Purchase | 202 | $42,733,000 | $211,000 | $3,750,000 | $154,000 | $8,727,000 |
| Home Improvement | 44 | $5,989,000 | $136,000 | $2,500,000 | $121,000 | $792,000 |
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 | 353 | $58,807,000 | $166,000 | $2,500,000 | $170,000 | $8,727,000 |
| Not applicable | 122 | $35,570,000 | $291,000 | $3,750,000 | $1,000 | $175,000 |
| Black or African American | 52 | $4,021,000 | $77,000 | $1,325,000 | $96,000 | $1,352,000 |
| Not Provided | 3 | $213,000 | $71,000 | $148,000 | $32,000 | $65,000 |
| Hispanic | 2 | $2,350,000 | $1,175,000 | $2,000,000 | $1,004,000 | $1,289,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 532 | $100,961,000 | $189,000 | $3,750,000 | $126,000 | $8,727,000 |
| 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 | 462 | $97,178,000 | $210,000 | $3,750,000 | $138,000 | $8,727,000 |
| Application Denied By Financial Institution | 60 | $2,621,000 | $43,000 | $210,000 | $42,000 | $180,000 |
| Application Approved But Not Accepted | 6 | $251,000 | $41,000 | $61,000 | $47,000 | $77,000 |
| Application Withdrawn By Applicant | 4 | $911,000 | $227,000 | $715,000 | $113,000 | $348,000 |
| 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 | 30 | $1,097,000 | $36,000 | $166,000 | $41,000 | $119,000 |
| Debt-To-Income Ratio | 27 | $1,424,000 | $52,000 | $210,000 | $36,000 | $80,000 |
| Other | 2 | $85,000 | $42,000 | $70,000 | $113,000 | $180,000 |
| Collateral | 1 | $15,000 | $15,000 | $15,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 National Bk Of South Carolina'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 National Bk Of South Carolina'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.