Southern First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Southern First Bank 2019 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 | Southern First Bank 100 Verdae Blvd Greenville, SC 29607 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 2,420 |
| Total Mortgage Loan Application Amount | $708,760,000 |
| Average Mortgage Loan Application Amount | $252,600 |
| Highest Mortgage Loan Application Amount | $5,745,000 |
| Average Applicant Income | $277,000 |
| Highest Applicant Income | $6,594,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Southern First Bank. 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 Southern First Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Southern First Bank'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 Southern First Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Southern First Bank, 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 Southern First Bank's mortgage activity for 2019.
| 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 | 783 | $ 222,665,000 | $ 284,000 | $ 191,000 |
| Richland County South Carolina | 417 | $ 103,375,000 | $ 247,000 | $ 155,000 |
| Lexington County South Carolina | 317 | $ 66,245,000 | $ 208,000 | $ 100,000 |
| Charleston County South Carolina | 271 | $ 108,305,000 | $ 399,000 | $ 276,000 |
| Fulton County Georgia | 91 | $ 38,965,000 | $ 428,000 | $ 417,000 |
| Spartanburg County South Carolina | 61 | $ 13,095,000 | $ 214,000 | $ 132,000 |
| Guilford County North Carolina | 40 | $ 12,980,000 | $ 324,000 | $ 507,000 |
| Berkeley County South Carolina | 38 | $ 12,670,000 | $ 333,000 | $ 196,000 |
| Anderson County South Carolina | 35 | $ 6,845,000 | $ 195,000 | $ 154,000 |
| Wake County North Carolina | 34 | $ 12,240,000 | $ 360,000 | $ 228,000 |
| Pickens County South Carolina | 32 | $ 12,900,000 | $ 403,000 | $ 555,000 |
| Dorchester County South Carolina | 26 | $ 7,310,000 | $ 281,000 | $ 181,000 |
| Cobb County Georgia | 19 | $ 5,095,000 | $ 268,000 | $ 377,000 |
| Kershaw County South Carolina | 15 | $ 3,355,000 | $ 223,000 | $ 133,000 |
| DeKalb County Georgia | 14 | $ 6,330,000 | $ 452,000 | $ 292,000 |
| Oconee County South Carolina | 14 | $ 5,180,000 | $ 370,000 | $ 242,000 |
| Beaufort County South Carolina | 11 | $ 4,455,000 | $ 405,000 | $ 290,000 |
| Mecklenburg County North Carolina | 10 | $ 3,730,000 | $ 373,000 | $ 161,000 |
| Georgetown County South Carolina | 9 | $ 2,235,000 | $ 248,000 | $ 166,000 |
| Buncombe County North Carolina | 8 | $ 2,860,000 | $ 357,000 | $ 277,000 |
| Durham County North Carolina | 7 | $ 1,395,000 | $ 199,000 | $ 195,000 |
| Forsyth County North Carolina | 7 | $ 1,535,000 | $ 219,000 | $ 87,000 |
| Orange County North Carolina | 7 | $ 895,000 | $ 127,000 | $ 187,000 |
| Horry County South Carolina | 7 | $ 1,745,000 | $ 249,000 | $ 91,000 |
| Laurens County South Carolina | 7 | $ 1,605,000 | $ 229,000 | $ 168,000 |
| Newberry County South Carolina | 7 | $ 1,475,000 | $ 210,000 | $ 153,000 |
| York County South Carolina | 7 | $ 1,915,000 | $ 273,000 | $ 183,000 |
| Carteret County North Carolina | 5 | $ 2,705,000 | $ 541,000 | $ 375,000 |
| Davidson County North Carolina | 5 | $ 1,075,000 | $ 215,000 | $ 211,000 |
| Watauga County North Carolina | 5 | $ 1,265,000 | $ 253,000 | $ 229,000 |
| Aiken County South Carolina | 5 | $ 1,095,000 | $ 219,000 | $ 117,000 |
| Saluda County South Carolina | 5 | $ 2,435,000 | $ 487,000 | $ 100,000 |
| Brunswick County North Carolina | 4 | $ 2,650,000 | $ 662,000 | $ 1,634,000 |
| Glynn County Georgia | 3 | $ 995,000 | $ 331,000 | $ 380,000 |
| Henry County Georgia | 3 | $ 6,135,000 | $ 2,045,000 | $ 111,000 |
| Chatham County North Carolina | 3 | $ 485,000 | $ 161,000 | $ 95,000 |
| Cleveland County North Carolina | 3 | $ 1,995,000 | $ 665,000 | $ 105,000 |
| Stokes County North Carolina | 3 | $ 805,000 | $ 268,000 | $ 193,000 |
| Greenwood County South Carolina | 3 | $ 275,000 | $ 91,000 | $ 104,000 |
| Sumter County South Carolina | 3 | $ 535,000 | $ 178,000 | $ 65,000 |
| Okaloosa County Florida | 2 | $ 2,030,000 | $ 1,015,000 | $ 0 |
| Walton County Florida | 2 | $ 1,670,000 | $ 835,000 | $ 914,000 |
| Columbia County Georgia | 2 | $ 420,000 | $ 210,000 | $ 142,000 |
| Gwinnett County Georgia | 2 | $ 370,000 | $ 185,000 | $ 131,000 |
| Rabun County Georgia | 2 | $ 1,610,000 | $ 805,000 | $ 555,000 |
| Alamance County North Carolina | 2 | $ 840,000 | $ 420,000 | $ 163,000 |
| Caldwell County North Carolina | 2 | $ 630,000 | $ 315,000 | $ 128,000 |
| Gaston County North Carolina | 2 | $ 600,000 | $ 300,000 | $ 162,000 |
| Haywood County North Carolina | 2 | $ 280,000 | $ 140,000 | $ 194,000 |
| Henderson County North Carolina | 2 | $ 480,000 | $ 240,000 | $ 134,000 |
| Jackson County North Carolina | 2 | $ 560,000 | $ 280,000 | $ 145,000 |
| Lincoln County North Carolina | 2 | $ 800,000 | $ 400,000 | $ 290,000 |
| New Hanover County North Carolina | 2 | $ 850,000 | $ 425,000 | $ 210,000 |
| Onslow County North Carolina | 2 | $ 880,000 | $ 440,000 | $ 191,000 |
| Randolph County North Carolina | 2 | $ 650,000 | $ 325,000 | $ 123,000 |
| Rockingham County North Carolina | 2 | $ 1,010,000 | $ 505,000 | $ 213,000 |
| Transylvania County North Carolina | 2 | $ 400,000 | $ 200,000 | $ 117,000 |
| Florence County South Carolina | 2 | $ 360,000 | $ 180,000 | $ 290,000 |
| Lancaster County South Carolina | 2 | $ 1,640,000 | $ 820,000 | $ 806,000 |
| Lee County South Carolina | 2 | $ 150,000 | $ 75,000 | $ 52,000 |
| Orangeburg County South Carolina | 2 | $ 440,000 | $ 220,000 | $ 110,000 |
| Carroll County Virginia | 2 | $ 630,000 | $ 315,000 | $ 276,000 |
| Jefferson County Alabama | 1 | $ 455,000 | $ 455,000 | $ 397,000 |
| Douglas County Colorado | 1 | $ 555,000 | $ 555,000 | $ 315,000 |
| Bay County Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Pinellas County Florida | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Polk County Florida | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Baldwin County Georgia | 1 | $ 245,000 | $ 245,000 | $ 127,000 |
| Chatham County Georgia | 1 | $ 285,000 | $ 285,000 | $ 211,000 |
| Cherokee County Georgia | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Clarke County Georgia | 1 | $ 255,000 | $ 255,000 | $ 416,000 |
| Hall County Georgia | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Lumpkin County Georgia | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Muscogee County Georgia | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Putnam County Georgia | 1 | $ 275,000 | $ 275,000 | $ 129,000 |
| Towns County Georgia | 1 | $ 185,000 | $ 185,000 | $ 139,000 |
| Walker County Georgia | 1 | $ 155,000 | $ 155,000 | $ 128,000 |
| Tippecanoe County Indiana | 1 | $ 85,000 | $ 85,000 | $ 75,000 |
| Catawba County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 148,000 |
| Montgomery County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 185,000 |
| Polk County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 121,000 |
| Abbeville County South Carolina | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| Bamberg County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 52,000 |
| Barnwell County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Calhoun County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 102,000 |
| Clarendon County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Colleton County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Fairfield County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| Shelby County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Grayson County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Grayson County Virginia | 1 | $ 125,000 | $ 125,000 | $ 112,000 |
| James City County Virginia | 1 | $ 435,000 | $ 435,000 | $ 151,000 |
| Virginia Beach County Virginia | 1 | $ 265,000 | $ 265,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for Southern First Bank in 2019
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 | 1,301 | $402,225,000 | $309,000 | $5,745,000 | $176,000 | $5,546,000 |
| Refinancing | 717 | $244,415,000 | $340,000 | $1,655,000 | $221,000 | $5,291,000 |
| Other Purpose | 234 | $35,000,000 | $149,000 | $905,000 | $284,000 | $6,594,000 |
| Home Improvement | 167 | $26,815,000 | $160,000 | $2,005,000 | $218,000 | $1,383,000 |
| Cash-out Refinancing | 1 | $305,000 | $305,000 | $305,000 | $486,000 | $486,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,807 | $536,815,000 | $297,000 | $2,825,000 | $205,000 | $6,594,000 |
| Not Provided | 332 | $89,270,000 | $268,000 | $2,765,000 | $238,000 | $2,750,000 |
| Not applicable | 130 | $48,780,000 | $375,000 | $5,745,000 | $0 | $0 |
| Black or African American | 84 | $15,130,000 | $180,000 | $715,000 | $103,000 | $765,000 |
| Hispanic | 34 | $7,980,000 | $234,000 | $945,000 | $110,000 | $827,000 |
| Asian | 24 | $8,380,000 | $349,000 | $1,405,000 | $142,000 | $323,000 |
| American Indian or Alaskan Native | 3 | $1,025,000 | $341,000 | $805,000 | $116,000 | $175,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $485,000 | $485,000 | $485,000 | $155,000 | $155,000 |
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) | 2,190 | $655,930,000 | $299,000 | $5,745,000 | $217,000 | $6,594,000 |
| FHA-insured (Federal Housing Administration) | 126 | $24,250,000 | $192,000 | $375,000 | $65,000 | $158,000 |
| VA-guaranteed (Veterans Administration) | 77 | $24,015,000 | $311,000 | $775,000 | $104,000 | $304,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $4,565,000 | $169,000 | $245,000 | $52,000 | $72,000 |
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 | 2,296 | $668,120,000 | $290,000 | $5,745,000 | $206,000 | $6,594,000 |
| Application Withdrawn By Applicant | 88 | $28,350,000 | $322,000 | $1,955,000 | $150,000 | $705,000 |
| Application Denied By Financial Institution | 20 | $7,760,000 | $388,000 | $1,515,000 | $221,000 | $1,594,000 |
| Application Approved But Not Accepted | 16 | $4,530,000 | $283,000 | $1,005,000 | $214,000 | $621,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,400 | $701,000,000 | $292,000 | $5,745,000 | $204,000 | $6,594,000 |
| Debt-To-Income Ratio | 6 | $1,010,000 | $168,000 | $385,000 | $81,000 | $244,000 |
| Collateral | 5 | $3,625,000 | $725,000 | $1,515,000 | $520,000 | $1,594,000 |
| Credit History | 4 | $500,000 | $125,000 | $185,000 | $122,000 | $216,000 |
| Credit Application Incomplete | 3 | $1,525,000 | $508,000 | $935,000 | $291,000 | $349,000 |
| Other | 2 | $1,100,000 | $550,000 | $1,005,000 | $48,000 | $48,000 |
| 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 Southern First Bank's 2019 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 Southern First Bank'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.