Southern First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Southern First Bank 2021 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 | 3,114 |
| Total Mortgage Loan Application Amount | $1,225,090,000 |
| Average Mortgage Loan Application Amount | $334,400 |
| Highest Mortgage Loan Application Amount | $8,855,000 |
| Average Applicant Income | $258,200 |
| Highest Applicant Income | $5,972,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 1,203 | $ 420,155,000 | $ 349,000 | $ 214,000 |
| Charleston County South Carolina | 335 | $ 188,135,000 | $ 561,000 | $ 328,000 |
| Fulton County Georgia | 204 | $ 122,740,000 | $ 601,000 | $ 411,000 |
| Richland County South Carolina | 163 | $ 49,555,000 | $ 304,000 | $ 179,000 |
| Spartanburg County South Carolina | 131 | $ 34,455,000 | $ 263,000 | $ 148,000 |
| Lexington County South Carolina | 112 | $ 38,130,000 | $ 340,000 | $ 178,000 |
| Guilford County North Carolina | 107 | $ 31,385,000 | $ 293,000 | $ 233,000 |
| Anderson County South Carolina | 100 | $ 26,290,000 | $ 262,000 | $ 160,000 |
| Wake County North Carolina | 74 | $ 24,110,000 | $ 325,000 | $ 248,000 |
| DeKalb County Georgia | 63 | $ 28,275,000 | $ 448,000 | $ 310,000 |
| Berkeley County South Carolina | 48 | $ 17,310,000 | $ 360,000 | $ 272,000 |
| Pickens County South Carolina | 38 | $ 12,000,000 | $ 315,000 | $ 154,000 |
| Cobb County Georgia | 35 | $ 14,555,000 | $ 415,000 | $ 352,000 |
| Dorchester County South Carolina | 34 | $ 9,770,000 | $ 287,000 | $ 198,000 |
| Mecklenburg County North Carolina | 31 | $ 15,565,000 | $ 502,000 | $ 346,000 |
| Oconee County South Carolina | 27 | $ 13,085,000 | $ 484,000 | $ 294,000 |
| Durham County North Carolina | 18 | $ 4,010,000 | $ 222,000 | $ 242,000 |
| Forsyth County North Carolina | 18 | $ 4,380,000 | $ 243,000 | $ 124,000 |
| Gwinnett County Georgia | 17 | $ 7,425,000 | $ 436,000 | $ 290,000 |
| Brunswick County North Carolina | 15 | $ 9,465,000 | $ 631,000 | $ 822,000 |
| Beaufort County South Carolina | 13 | $ 8,825,000 | $ 678,000 | $ 655,000 |
| Henderson County North Carolina | 12 | $ 5,580,000 | $ 465,000 | $ 228,000 |
| Colleton County South Carolina | 12 | $ 5,740,000 | $ 478,000 | $ 270,000 |
| Georgetown County South Carolina | 12 | $ 8,990,000 | $ 749,000 | $ 767,000 |
| Laurens County South Carolina | 12 | $ 4,010,000 | $ 334,000 | $ 276,000 |
| Carteret County North Carolina | 11 | $ 6,705,000 | $ 609,000 | $ 343,000 |
| Davidson County North Carolina | 11 | $ 2,985,000 | $ 271,000 | $ 140,000 |
| Buncombe County North Carolina | 9 | $ 3,755,000 | $ 417,000 | $ 225,000 |
| Forsyth County Georgia | 8 | $ 2,930,000 | $ 366,000 | $ 360,000 |
| Orange County North Carolina | 8 | $ 2,830,000 | $ 353,000 | $ 190,000 |
| Union County North Carolina | 7 | $ 2,145,000 | $ 306,000 | $ 194,000 |
| Glynn County Georgia | 6 | $ 5,920,000 | $ 986,000 | $ 865,000 |
| Hall County Georgia | 6 | $ 2,150,000 | $ 358,000 | $ 639,000 |
| Randolph County North Carolina | 6 | $ 870,000 | $ 145,000 | $ 57,000 |
| Greenwood County South Carolina | 6 | $ 2,150,000 | $ 358,000 | $ 152,000 |
| York County South Carolina | 6 | $ 1,440,000 | $ 240,000 | $ 173,000 |
| Iredell County North Carolina | 5 | $ 1,125,000 | $ 225,000 | $ 96,000 |
| Jackson County North Carolina | 5 | $ 6,715,000 | $ 1,343,000 | $ 1,687,000 |
| Clarendon County South Carolina | 5 | $ 995,000 | $ 199,000 | $ 53,000 |
| Horry County South Carolina | 5 | $ 855,000 | $ 171,000 | $ 416,000 |
| Kershaw County South Carolina | 5 | $ 775,000 | $ 155,000 | $ 57,000 |
| Newberry County South Carolina | 5 | $ 1,105,000 | $ 221,000 | $ 122,000 |
| Saluda County South Carolina | 5 | $ 1,425,000 | $ 285,000 | $ 110,000 |
| Cherokee County Georgia | 4 | $ 10,300,000 | $ 2,575,000 | $ 243,000 |
| Rabun County Georgia | 4 | $ 3,600,000 | $ 900,000 | $ 896,000 |
| Alamance County North Carolina | 4 | $ 2,220,000 | $ 555,000 | $ 135,000 |
| Caldwell County North Carolina | 4 | $ 820,000 | $ 205,000 | $ 117,000 |
| Chatham County North Carolina | 4 | $ 1,120,000 | $ 280,000 | $ 186,000 |
| Gaston County North Carolina | 4 | $ 1,000,000 | $ 250,000 | $ 139,000 |
| Macon County North Carolina | 4 | $ 1,790,000 | $ 447,000 | $ 396,000 |
| New Hanover County North Carolina | 4 | $ 2,830,000 | $ 707,000 | $ 139,000 |
| Polk County North Carolina | 4 | $ 1,450,000 | $ 362,000 | $ 224,000 |
| Transylvania County North Carolina | 4 | $ 3,750,000 | $ 937,000 | $ 592,000 |
| Walton County Florida | 3 | $ 1,565,000 | $ 521,000 | $ 763,000 |
| Fayette County Georgia | 3 | $ 1,185,000 | $ 395,000 | $ 313,000 |
| Paulding County Georgia | 3 | $ 935,000 | $ 311,000 | $ 272,000 |
| Avery County North Carolina | 3 | $ 1,255,000 | $ 418,000 | $ 284,000 |
| Haywood County North Carolina | 3 | $ 715,000 | $ 238,000 | $ 62,000 |
| Montgomery County North Carolina | 3 | $ 1,115,000 | $ 371,000 | $ 263,000 |
| Stokes County North Carolina | 3 | $ 695,000 | $ 231,000 | $ 159,000 |
| Abbeville County South Carolina | 3 | $ 325,000 | $ 108,000 | $ 87,000 |
| Aiken County South Carolina | 3 | $ 425,000 | $ 141,000 | $ 130,000 |
| Orangeburg County South Carolina | 3 | $ 815,000 | $ 271,000 | $ 108,000 |
| Sumter County South Carolina | 3 | $ 705,000 | $ 235,000 | $ 268,000 |
| Franklin County Virginia | 3 | $ 1,425,000 | $ 475,000 | $ 465,000 |
| Escambia County Florida | 2 | $ 430,000 | $ 215,000 | $ 77,000 |
| St. Johns County Florida | 2 | $ 1,170,000 | $ 585,000 | $ 1,944,000 |
| Baldwin County Georgia | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Columbia County Georgia | 2 | $ 1,290,000 | $ 645,000 | $ 265,000 |
| Fannin County Georgia | 2 | $ 2,310,000 | $ 1,155,000 | $ 60,000 |
| Franklin County Georgia | 2 | $ 860,000 | $ 430,000 | $ 0 |
| Hart County Georgia | 2 | $ 710,000 | $ 355,000 | $ 130,000 |
| Muscogee County Georgia | 2 | $ 650,000 | $ 325,000 | $ 182,000 |
| Pickens County Georgia | 2 | $ 960,000 | $ 480,000 | $ 171,000 |
| Richmond County Georgia | 2 | $ 520,000 | $ 260,000 | $ 192,000 |
| Franklin County North Carolina | 2 | $ 370,000 | $ 185,000 | $ 157,000 |
| Moore County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 50,000 |
| Rutherford County North Carolina | 2 | $ 1,070,000 | $ 535,000 | $ 842,000 |
| Stanly County North Carolina | 2 | $ 360,000 | $ 180,000 | $ 48,000 |
| Warren County North Carolina | 2 | $ 340,000 | $ 170,000 | $ 117,000 |
| Calhoun County South Carolina | 2 | $ 500,000 | $ 250,000 | $ 114,000 |
| Darlington County South Carolina | 2 | $ 240,000 | $ 120,000 | $ 99,000 |
| Florence County South Carolina | 2 | $ 630,000 | $ 315,000 | $ 185,000 |
| Lancaster County South Carolina | 2 | $ 1,420,000 | $ 710,000 | $ 376,000 |
| Davidson County Tennessee | 2 | $ 1,160,000 | $ 580,000 | $ 130,000 |
| Hamilton County Tennessee | 2 | $ 730,000 | $ 365,000 | $ 118,000 |
| Jefferson County Alabama | 1 | $ 275,000 | $ 275,000 | $ 275,000 |
| Charlotte County Florida | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Collier County Florida | 1 | $ 745,000 | $ 745,000 | $ 161,000 |
| Indian River County Florida | 1 | $ 385,000 | $ 385,000 | $ 150,000 |
| Orange County Florida | 1 | $ 545,000 | $ 545,000 | $ 408,000 |
| Pinellas County Florida | 1 | $ 105,000 | $ 105,000 | $ 138,000 |
| Polk County Florida | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Clarke County Georgia | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Coweta County Georgia | 1 | $ 235,000 | $ 235,000 | $ 71,000 |
| Early County Georgia | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Effingham County Georgia | 1 | $ 365,000 | $ 365,000 | $ 72,000 |
| Floyd County Georgia | 1 | $ 295,000 | $ 295,000 | $ 155,000 |
| Gilmer County Georgia | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Henry County Georgia | 1 | $ 225,000 | $ 225,000 | $ 125,000 |
| Morgan County Georgia | 1 | $ 295,000 | $ 295,000 | $ 51,000 |
| Stephens County Georgia | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Alleghany County North Carolina | 1 | $ 665,000 | $ 665,000 | $ 446,000 |
| Ashe County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 471,000 |
| Cabarrus County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 119,000 |
| Catawba County North Carolina | 1 | $ 1,125,000 | $ 1,125,000 | $ 418,000 |
| Cleveland County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 110,000 |
| Harnett County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Johnston County North Carolina | 1 | $ 465,000 | $ 465,000 | $ 325,000 |
| Lincoln County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 189,000 |
| Nash County North Carolina | 1 | $ 965,000 | $ 965,000 | $ 504,000 |
| Pender County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 218,000 |
| Person County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 212,000 |
| Surry County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 161,000 |
| Watauga County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Wayne County North Carolina | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Yadkin County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 20,000 |
| Franklin County Ohio | 1 | $ 525,000 | $ 525,000 | $ 163,000 |
| Allegheny County Pennsylvania | 1 | $ 355,000 | $ 355,000 | $ 360,000 |
| Fairfield County South Carolina | 1 | $ 475,000 | $ 475,000 | $ 788,000 |
| McCormick County South Carolina | 1 | $ 325,000 | $ 325,000 | $ 96,000 |
| Bradley County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Montgomery County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Williamson County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 150,000 |
| Travis County Texas | 1 | $ 135,000 | $ 135,000 | $ 2,064,000 |
| Charlottesville County Virginia | 1 | $ 305,000 | $ 305,000 | $ 249,000 |
| Chesterfield County Virginia | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Fairfax County Virginia | 1 | $ 805,000 | $ 805,000 | $ 210,000 |
| Pocahontas County West Virginia | 1 | $ 275,000 | $ 275,000 | $ 0 |
Mortgage Loan Application Detail Totals for Southern First Bank in 2021
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 | 1,217 | $556,725,000 | $457,000 | $3,905,000 | $250,000 | $5,972,000 |
| Refinancing | 1,076 | $443,860,000 | $412,000 | $8,855,000 | $254,000 | $4,800,000 |
| Cash-out Refinancing | 347 | $118,725,000 | $342,000 | $1,625,000 | $180,000 | $1,500,000 |
| Other Purpose | 318 | $66,300,000 | $208,000 | $1,505,000 | $308,000 | $1,798,000 |
| Home Improvement | 156 | $39,480,000 | $253,000 | $3,005,000 | $299,000 | $2,070,000 |
| 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 | 2,335 | $887,555,000 | $380,000 | $3,815,000 | $244,000 | $5,972,000 |
| Not Provided | 412 | $167,010,000 | $405,000 | $2,405,000 | $293,000 | $2,280,000 |
| Not applicable | 211 | $115,645,000 | $548,000 | $8,855,000 | $0 | $0 |
| Black or African American | 63 | $20,395,000 | $323,000 | $3,905,000 | $241,000 | $5,045,000 |
| Asian | 44 | $18,090,000 | $411,000 | $1,055,000 | $294,000 | $1,661,000 |
| Hispanic | 34 | $9,160,000 | $269,000 | $955,000 | $163,000 | $994,000 |
| American Indian or Alaskan Native | 5 | $2,685,000 | $537,000 | $1,625,000 | $320,000 | $586,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $475,000 | $475,000 | $475,000 | $318,000 | $318,000 |
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) | 3,049 | $1,207,245,000 | $395,000 | $8,855,000 | $255,000 | $5,972,000 |
| VA-guaranteed (Veterans Administration) | 31 | $10,275,000 | $331,000 | $895,000 | $125,000 | $350,000 |
| FHA-insured (Federal Housing Administration) | 28 | $6,530,000 | $233,000 | $335,000 | $74,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,040,000 | $173,000 | $225,000 | $57,000 | $101,000 |
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 | 2,751 | $1,070,825,000 | $389,000 | $8,855,000 | $253,000 | $5,972,000 |
| Application Withdrawn By Applicant | 305 | $130,015,000 | $426,000 | $3,005,000 | $256,000 | $4,800,000 |
| Application Denied By Financial Institution | 34 | $11,790,000 | $346,000 | $1,605,000 | $122,000 | $466,000 |
| File Closed For Incompleteness | 14 | $4,820,000 | $344,000 | $645,000 | $169,000 | $413,000 |
| Application Approved But Not Accepted | 10 | $7,640,000 | $764,000 | $2,405,000 | $267,000 | $650,000 |
| 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 | 3,080 | $1,213,300,000 | $393,000 | $8,855,000 | $253,000 | $5,972,000 |
| Debt-To-Income Ratio | 15 | $5,735,000 | $382,000 | $895,000 | $134,000 | $466,000 |
| Credit History | 12 | $2,500,000 | $208,000 | $425,000 | $108,000 | $220,000 |
| Collateral | 4 | $2,160,000 | $540,000 | $1,605,000 | $129,000 | $261,000 |
| Employment History | 2 | $1,220,000 | $610,000 | $1,105,000 | $108,000 | $175,000 |
| Other | 1 | $175,000 | $175,000 | $175,000 | $115,000 | $115,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2021 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.