S.C. State Federal Credit Unio
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
S.C. State Federal Credit Unio 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 | S.C. State Federal Credit Unio 800 Huger Street Columbia, SC 29201 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 | 125 |
| Total Mortgage Loan Application Amount | $14,286,000 |
| Average Mortgage Loan Application Amount | $129,666 |
| Highest Mortgage Loan Application Amount | $682,000 |
| Average Applicant Income | $61,333 |
| Highest Applicant Income | $373,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with S.C. State Federal Credit Unio. 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 S.C. State Federal Credit Unio's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down S.C. State Federal Credit Unio'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 S.C. State Federal Credit Unio serves its applicants.
Each category highlights the total number of mortgage applications processed by S.C. State Federal Credit Unio, 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 S.C. State Federal Credit Unio'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 |
|---|---|---|---|---|
| Richland County South Carolina | 24 | $ 2,992,000 | $ 124,000 | $ 71,000 |
| Lexington County South Carolina | 18 | $ 2,051,000 | $ 113,000 | $ 76,000 |
| Pickens County South Carolina | 14 | $ 1,931,000 | $ 137,000 | $ 67,000 |
| Anderson County South Carolina | 8 | $ 1,120,000 | $ 140,000 | $ 49,000 |
| Greenwood County South Carolina | 6 | $ 318,000 | $ 53,000 | $ 32,000 |
| Greenville County South Carolina | 4 | $ 467,000 | $ 116,000 | $ 83,000 |
| Oconee County South Carolina | 4 | $ 516,000 | $ 129,000 | $ 70,000 |
| Aiken County South Carolina | 3 | $ 280,000 | $ 93,000 | $ 86,000 |
| Fairfield County South Carolina | 2 | $ 169,000 | $ 84,000 | $ 61,000 |
| Laurens County South Carolina | 2 | $ 121,000 | $ 60,000 | $ 28,000 |
| Marlboro County South Carolina | 2 | $ 61,000 | $ 30,000 | $ 29,000 |
| Newberry County South Carolina | 2 | $ 155,000 | $ 77,000 | $ 69,000 |
| Orangeburg County South Carolina | 2 | $ 162,000 | $ 81,000 | $ 24,000 |
| Abbeville County South Carolina | 1 | $ 134,000 | $ 134,000 | $ 80,000 |
| Barnwell County South Carolina | 1 | $ 207,000 | $ 207,000 | $ 54,000 |
| Charleston County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 34,000 |
| Darlington County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 132,000 |
| Dillon County South Carolina | 1 | $ 21,000 | $ 21,000 | $ 34,000 |
| Edgefield County South Carolina | 1 | $ 88,000 | $ 88,000 | $ 33,000 |
| Kershaw County South Carolina | 1 | $ 73,000 | $ 73,000 | $ 16,000 |
| Lancaster County South Carolina | 1 | $ 104,000 | $ 104,000 | $ 76,000 |
| Lee County South Carolina | 1 | $ 86,000 | $ 86,000 | $ 27,000 |
| Saluda County South Carolina | 1 | $ 144,000 | $ 144,000 | $ 113,000 |
| Spartanburg County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Union County South Carolina | 1 | $ 38,000 | $ 38,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for S.C. State Federal Credit Unio 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 | 83 | $9,215,000 | $111,000 | $682,000 | $63,000 | $132,000 |
| Home Purchase | 40 | $4,750,000 | $118,000 | $425,000 | $60,000 | $373,000 |
| Home Improvement | 2 | $321,000 | $160,000 | $286,000 | $61,000 | $99,000 |
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 | 79 | $9,117,000 | $115,000 | $682,000 | $65,000 | $373,000 |
| Black or African American | 31 | $3,170,000 | $102,000 | $425,000 | $57,000 | $291,000 |
| Not Provided | 12 | $1,373,000 | $114,000 | $217,000 | $59,000 | $119,000 |
| Asian | 2 | $482,000 | $241,000 | $425,000 | $41,000 | $59,000 |
| American Indian or Alaskan Native | 1 | $144,000 | $144,000 | $144,000 | $71,000 | $71,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 125 | $14,286,000 | $114,000 | $682,000 | $62,000 | $373,000 |
| 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 | 53 | $5,438,000 | $102,000 | $682,000 | $72,000 | $373,000 |
| Application Denied By Financial Institution | 45 | $5,038,000 | $111,000 | $425,000 | $46,000 | $124,000 |
| Application Withdrawn By Applicant | 26 | $3,695,000 | $142,000 | $425,000 | $71,000 | $291,000 |
| Application Approved But Not Accepted | 1 | $115,000 | $115,000 | $115,000 | $22,000 | $22,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 21 | $2,558,000 | $121,000 | $425,000 | $40,000 | $92,000 |
| Credit History | 16 | $1,646,000 | $102,000 | $190,000 | $55,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $342,000 | $114,000 | $145,000 | $47,000 | $85,000 |
| Other | 3 | $308,000 | $102,000 | $128,000 | $54,000 | $62,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $18,000 | $18,000 |
| Employment History | 1 | $124,000 | $124,000 | $124,000 | $29,000 | $29,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S.C. State Federal Credit Unio'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 S.C. State Federal Credit Unio'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.