Southern First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Southern First Bank 2020 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 | 3,592 |
| Total Mortgage Loan Application Amount | $1,220,860,000 |
| Average Mortgage Loan Application Amount | $295,600 |
| Highest Mortgage Loan Application Amount | $13,655,000 |
| Average Applicant Income | $237,000 |
| Highest Applicant Income | $9,642,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 1,387 | $ 438,545,000 | $ 316,000 | $ 195,000 |
| Richland County South Carolina | 377 | $ 104,495,000 | $ 277,000 | $ 156,000 |
| Charleston County South Carolina | 347 | $ 181,925,000 | $ 524,000 | $ 293,000 |
| Lexington County South Carolina | 281 | $ 73,695,000 | $ 262,000 | $ 125,000 |
| Fulton County Georgia | 177 | $ 96,755,000 | $ 546,000 | $ 430,000 |
| Spartanburg County South Carolina | 121 | $ 27,835,000 | $ 230,000 | $ 128,000 |
| Guilford County North Carolina | 103 | $ 30,215,000 | $ 293,000 | $ 214,000 |
| Wake County North Carolina | 94 | $ 31,080,000 | $ 330,000 | $ 280,000 |
| Anderson County South Carolina | 80 | $ 19,450,000 | $ 243,000 | $ 151,000 |
| DeKalb County Georgia | 52 | $ 21,170,000 | $ 407,000 | $ 283,000 |
| Berkeley County South Carolina | 43 | $ 21,045,000 | $ 489,000 | $ 335,000 |
| Dorchester County South Carolina | 38 | $ 9,360,000 | $ 246,000 | $ 134,000 |
| Pickens County South Carolina | 34 | $ 14,320,000 | $ 421,000 | $ 290,000 |
| Cobb County Georgia | 31 | $ 9,265,000 | $ 298,000 | $ 280,000 |
| Oconee County South Carolina | 31 | $ 14,695,000 | $ 474,000 | $ 363,000 |
| Mecklenburg County North Carolina | 26 | $ 8,180,000 | $ 314,000 | $ 201,000 |
| Forsyth County North Carolina | 20 | $ 4,950,000 | $ 247,000 | $ 105,000 |
| Durham County North Carolina | 16 | $ 2,580,000 | $ 161,000 | $ 231,000 |
| Orange County North Carolina | 15 | $ 3,765,000 | $ 251,000 | $ 242,000 |
| Brunswick County North Carolina | 14 | $ 4,370,000 | $ 312,000 | $ 259,000 |
| Gwinnett County Georgia | 13 | $ 3,885,000 | $ 298,000 | $ 237,000 |
| Chatham County North Carolina | 12 | $ 2,950,000 | $ 245,000 | $ 148,000 |
| Georgetown County South Carolina | 11 | $ 6,045,000 | $ 549,000 | $ 412,000 |
| Newberry County South Carolina | 11 | $ 2,855,000 | $ 259,000 | $ 122,000 |
| Colleton County South Carolina | 10 | $ 3,840,000 | $ 384,000 | $ 307,000 |
| Davidson County North Carolina | 9 | $ 2,995,000 | $ 332,000 | $ 200,000 |
| Randolph County North Carolina | 9 | $ 1,145,000 | $ 127,000 | $ 109,000 |
| Watauga County North Carolina | 9 | $ 2,595,000 | $ 288,000 | $ 276,000 |
| Beaufort County South Carolina | 9 | $ 3,645,000 | $ 405,000 | $ 463,000 |
| Horry County South Carolina | 8 | $ 2,080,000 | $ 260,000 | $ 150,000 |
| Kershaw County South Carolina | 8 | $ 1,800,000 | $ 225,000 | $ 155,000 |
| Union County North Carolina | 7 | $ 2,025,000 | $ 289,000 | $ 306,000 |
| York County South Carolina | 7 | $ 1,825,000 | $ 260,000 | $ 162,000 |
| Carteret County North Carolina | 6 | $ 2,400,000 | $ 400,000 | $ 459,000 |
| Macon County North Carolina | 6 | $ 2,070,000 | $ 345,000 | $ 474,000 |
| Florence County South Carolina | 5 | $ 1,025,000 | $ 205,000 | $ 127,000 |
| Greenwood County South Carolina | 5 | $ 1,575,000 | $ 315,000 | $ 168,000 |
| Baldwin County Georgia | 4 | $ 250,000 | $ 62,000 | $ 0 |
| Cherokee County Georgia | 4 | $ 800,000 | $ 200,000 | $ 151,000 |
| Rabun County Georgia | 4 | $ 2,330,000 | $ 582,000 | $ 200,000 |
| Buncombe County North Carolina | 4 | $ 2,000,000 | $ 500,000 | $ 316,000 |
| New Hanover County North Carolina | 4 | $ 1,700,000 | $ 425,000 | $ 248,000 |
| Rutherford County North Carolina | 4 | $ 2,430,000 | $ 607,000 | $ 1,232,000 |
| Clarendon County South Carolina | 4 | $ 670,000 | $ 167,000 | $ 100,000 |
| Lancaster County South Carolina | 4 | $ 1,930,000 | $ 482,000 | $ 298,000 |
| Laurens County South Carolina | 4 | $ 670,000 | $ 167,000 | $ 121,000 |
| Franklin County Virginia | 4 | $ 1,090,000 | $ 272,000 | $ 458,000 |
| Hillsborough County Florida | 3 | $ 1,095,000 | $ 365,000 | $ 132,000 |
| Chatham County Georgia | 3 | $ 1,625,000 | $ 541,000 | $ 1,095,000 |
| Columbia County Georgia | 3 | $ 755,000 | $ 251,000 | $ 95,000 |
| Fannin County Georgia | 3 | $ 875,000 | $ 291,000 | $ 442,000 |
| Forsyth County Georgia | 3 | $ 555,000 | $ 185,000 | $ 268,000 |
| Hart County Georgia | 3 | $ 1,615,000 | $ 538,000 | $ 522,000 |
| Oconee County Georgia | 3 | $ 965,000 | $ 321,000 | $ 125,000 |
| Walton County Georgia | 3 | $ 1,635,000 | $ 545,000 | $ 356,000 |
| Alamance County North Carolina | 3 | $ 1,275,000 | $ 425,000 | $ 163,000 |
| Gaston County North Carolina | 3 | $ 455,000 | $ 151,000 | $ 55,000 |
| Johnston County North Carolina | 3 | $ 1,095,000 | $ 365,000 | $ 460,000 |
| Polk County North Carolina | 3 | $ 805,000 | $ 268,000 | $ 55,000 |
| Aiken County South Carolina | 3 | $ 775,000 | $ 258,000 | $ 158,000 |
| Lee County Florida | 2 | $ 1,260,000 | $ 630,000 | $ 301,000 |
| Glynn County Georgia | 2 | $ 4,060,000 | $ 2,030,000 | $ 424,000 |
| Avery County North Carolina | 2 | $ 840,000 | $ 420,000 | $ 56,000 |
| Beaufort County North Carolina | 2 | $ 570,000 | $ 285,000 | $ 193,000 |
| Caldwell County North Carolina | 2 | $ 630,000 | $ 315,000 | $ 155,000 |
| Cleveland County North Carolina | 2 | $ 780,000 | $ 390,000 | $ 248,000 |
| Henderson County North Carolina | 2 | $ 260,000 | $ 130,000 | $ 203,000 |
| Jackson County North Carolina | 2 | $ 740,000 | $ 370,000 | $ 201,000 |
| Onslow County North Carolina | 2 | $ 910,000 | $ 455,000 | $ 261,000 |
| Person County North Carolina | 2 | $ 1,030,000 | $ 515,000 | $ 202,000 |
| Rockingham County North Carolina | 2 | $ 880,000 | $ 440,000 | $ 107,000 |
| Stokes County North Carolina | 2 | $ 410,000 | $ 205,000 | $ 150,000 |
| Transylvania County North Carolina | 2 | $ 1,030,000 | $ 515,000 | $ 530,000 |
| Calhoun County South Carolina | 2 | $ 520,000 | $ 260,000 | $ 170,000 |
| Fairfield County South Carolina | 2 | $ 390,000 | $ 195,000 | $ 168,000 |
| Saluda County South Carolina | 2 | $ 600,000 | $ 300,000 | $ 127,000 |
| Sumter County South Carolina | 2 | $ 440,000 | $ 220,000 | $ 64,000 |
| Mecklenburg County Virginia | 2 | $ 500,000 | $ 250,000 | $ 493,000 |
| Jefferson County Alabama | 1 | $ 445,000 | $ 445,000 | $ 98,000 |
| Pulaski County Arkansas | 1 | $ 555,000 | $ 555,000 | $ 54,000 |
| Bay County Florida | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Leon County Florida | 1 | $ 355,000 | $ 355,000 | $ 70,000 |
| Nassau County Florida | 1 | $ 375,000 | $ 375,000 | $ 555,000 |
| Pasco County Florida | 1 | $ 175,000 | $ 175,000 | $ 83,000 |
| Pinellas County Florida | 1 | $ 905,000 | $ 905,000 | $ 584,000 |
| Polk County Florida | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
| Volusia County Florida | 1 | $ 465,000 | $ 465,000 | $ 323,000 |
| Walton County Florida | 1 | $ 2,405,000 | $ 2,405,000 | $ 930,000 |
| Clarke County Georgia | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
| Clayton County Georgia | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Dawson County Georgia | 1 | $ 285,000 | $ 285,000 | $ 121,000 |
| Fayette County Georgia | 1 | $ 25,000 | $ 25,000 | $ 252,000 |
| Franklin County Georgia | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Habersham County Georgia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Hall County Georgia | 1 | $ 295,000 | $ 295,000 | $ 239,000 |
| Henry County Georgia | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| Jackson County Georgia | 1 | $ 285,000 | $ 285,000 | $ 162,000 |
| Newton County Georgia | 1 | $ 125,000 | $ 125,000 | $ 174,000 |
| Paulding County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Putnam County Georgia | 1 | $ 385,000 | $ 385,000 | $ 339,000 |
| Tift County Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Walker County Georgia | 1 | $ 45,000 | $ 45,000 | $ 123,000 |
| Harrison County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Ashe County North Carolina | 1 | $ 615,000 | $ 615,000 | $ 430,000 |
| Catawba County North Carolina | 1 | $ 805,000 | $ 805,000 | $ 684,000 |
| Cumberland County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Dare County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 116,000 |
| Iredell County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Northampton County North Carolina | 1 | $ 475,000 | $ 475,000 | $ 257,000 |
| Pender County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Pitt County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 112,000 |
| Swain County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 240,000 |
| Abbeville County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Cherokee County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 107,000 |
| Orangeburg County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Carter County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 121,000 |
| Knox County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 73,000 |
| Sevier County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 250,000 |
| Shelby County Tennessee | 1 | $ 425,000 | $ 425,000 | $ 235,000 |
| Williamson County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 75,000 |
| Dallas County Texas | 1 | $ 435,000 | $ 435,000 | $ 102,000 |
| Potter County Texas | 1 | $ 185,000 | $ 185,000 | $ 135,000 |
| Lynchburg County Virginia | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Southern First Bank in 2020
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 | 1,541 | $529,105,000 | $343,000 | $2,405,000 | $205,000 | $3,498,000 |
| Home Purchase | 1,277 | $496,515,000 | $388,000 | $13,655,000 | $218,000 | $9,642,000 |
| Cash-out Refinancing | 358 | $104,890,000 | $292,000 | $905,000 | $152,000 | $1,145,000 |
| Other Purpose | 248 | $42,620,000 | $171,000 | $1,305,000 | $305,000 | $2,994,000 |
| Home Improvement | 168 | $47,730,000 | $284,000 | $13,505,000 | $305,000 | $3,334,000 |
| 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 | 2,842 | $914,840,000 | $321,000 | $2,275,000 | $202,000 | $9,642,000 |
| Not Provided | 486 | $185,200,000 | $381,000 | $13,655,000 | $305,000 | $3,498,000 |
| Not applicable | 126 | $80,530,000 | $639,000 | $13,505,000 | $0 | $0 |
| Black or African American | 58 | $13,580,000 | $234,000 | $1,235,000 | $111,000 | $598,000 |
| Hispanic | 36 | $12,000,000 | $333,000 | $2,415,000 | $194,000 | $919,000 |
| Asian | 29 | $9,225,000 | $318,000 | $755,000 | $149,000 | $685,000 |
| American Indian or Alaskan Native | 4 | $1,330,000 | $332,000 | $415,000 | $130,000 | $159,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $560,000 | $280,000 | $445,000 | $402,000 | $489,000 |
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) | 3,468 | $1,189,840,000 | $343,000 | $13,655,000 | $220,000 | $9,642,000 |
| VA-guaranteed (Veterans Administration) | 63 | $19,015,000 | $301,000 | $905,000 | $100,000 | $480,000 |
| FHA-insured (Federal Housing Administration) | 50 | $10,140,000 | $202,000 | $375,000 | $68,000 | $148,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,865,000 | $169,000 | $205,000 | $52,000 | $87,000 |
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 | 3,194 | $1,062,560,000 | $332,000 | $13,505,000 | $216,000 | $9,642,000 |
| Application Withdrawn By Applicant | 351 | $142,115,000 | $404,000 | $13,655,000 | $205,000 | $1,984,000 |
| Application Denied By Financial Institution | 28 | $7,760,000 | $277,000 | $1,905,000 | $158,000 | $507,000 |
| Application Approved But Not Accepted | 19 | $8,425,000 | $443,000 | $1,235,000 | $406,000 | $1,124,000 |
| 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 | 3,564 | $1,213,100,000 | $340,000 | $13,655,000 | $216,000 | $9,642,000 |
| Collateral | 8 | $2,040,000 | $255,000 | $625,000 | $244,000 | $507,000 |
| Credit History | 8 | $1,360,000 | $170,000 | $505,000 | $94,000 | $167,000 |
| Debt-To-Income Ratio | 7 | $3,065,000 | $437,000 | $1,905,000 | $141,000 | $362,000 |
| Credit Application Incomplete | 2 | $690,000 | $345,000 | $395,000 | $162,000 | $283,000 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $29,000 | $29,000 |
| Unverifiable Information | 1 | $365,000 | $365,000 | $365,000 | $357,000 | $357,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $50,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southern First Bank's 2020 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.