Southern First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Southern First Bank 2022 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 | 2,309 |
| Total Mortgage Loan Application Amount | $989,255,000 |
| Average Mortgage Loan Application Amount | $371,600 |
| Highest Mortgage Loan Application Amount | $8,805,000 |
| Average Applicant Income | $300,000 |
| Highest Applicant Income | $9,730,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 974 | $ 367,140,000 | $ 376,000 | $ 249,000 |
| Charleston County South Carolina | 181 | $ 92,425,000 | $ 510,000 | $ 327,000 |
| Fulton County Georgia | 133 | $ 91,535,000 | $ 688,000 | $ 428,000 |
| Spartanburg County South Carolina | 96 | $ 31,990,000 | $ 333,000 | $ 169,000 |
| Anderson County South Carolina | 79 | $ 21,805,000 | $ 276,000 | $ 130,000 |
| Guilford County North Carolina | 76 | $ 25,610,000 | $ 336,000 | $ 363,000 |
| Pickens County South Carolina | 55 | $ 27,065,000 | $ 492,000 | $ 412,000 |
| Wake County North Carolina | 51 | $ 18,525,000 | $ 363,000 | $ 302,000 |
| Berkeley County South Carolina | 44 | $ 19,170,000 | $ 435,000 | $ 230,000 |
| DeKalb County Georgia | 43 | $ 30,515,000 | $ 709,000 | $ 293,000 |
| Richland County South Carolina | 42 | $ 11,130,000 | $ 265,000 | $ 269,000 |
| Mecklenburg County North Carolina | 41 | $ 19,735,000 | $ 481,000 | $ 294,000 |
| Dorchester County South Carolina | 37 | $ 11,565,000 | $ 312,000 | $ 239,000 |
| Cobb County Georgia | 34 | $ 10,370,000 | $ 305,000 | $ 176,000 |
| Oconee County South Carolina | 31 | $ 17,435,000 | $ 562,000 | $ 363,000 |
| Lexington County South Carolina | 27 | $ 12,415,000 | $ 459,000 | $ 183,000 |
| Gwinnett County Georgia | 19 | $ 6,945,000 | $ 365,000 | $ 249,000 |
| Forsyth County North Carolina | 19 | $ 6,805,000 | $ 358,000 | $ 207,000 |
| Baldwin County Georgia | 17 | $ 1,875,000 | $ 110,000 | $ 0 |
| Horry County South Carolina | 13 | $ 4,655,000 | $ 358,000 | $ 365,000 |
| Durham County North Carolina | 12 | $ 2,850,000 | $ 237,000 | $ 263,000 |
| Beaufort County South Carolina | 12 | $ 7,260,000 | $ 605,000 | $ 485,000 |
| Orange County North Carolina | 10 | $ 4,310,000 | $ 431,000 | $ 387,000 |
| Buncombe County North Carolina | 9 | $ 4,595,000 | $ 510,000 | $ 170,000 |
| Davidson County North Carolina | 9 | $ 4,615,000 | $ 512,000 | $ 472,000 |
| Georgetown County South Carolina | 8 | $ 3,530,000 | $ 441,000 | $ 500,000 |
| Cherokee County Georgia | 7 | $ 2,715,000 | $ 387,000 | $ 335,000 |
| Brunswick County North Carolina | 7 | $ 3,375,000 | $ 482,000 | $ 2,059,000 |
| New Hanover County North Carolina | 7 | $ 3,635,000 | $ 519,000 | $ 880,000 |
| Laurens County South Carolina | 7 | $ 1,455,000 | $ 207,000 | $ 189,000 |
| Forsyth County Georgia | 6 | $ 2,490,000 | $ 415,000 | $ 247,000 |
| Carteret County North Carolina | 6 | $ 3,450,000 | $ 575,000 | $ 690,000 |
| Davie County North Carolina | 6 | $ 2,390,000 | $ 398,000 | $ 217,000 |
| Aiken County South Carolina | 6 | $ 2,160,000 | $ 360,000 | $ 134,000 |
| York County South Carolina | 6 | $ 3,940,000 | $ 656,000 | $ 1,719,000 |
| Walton County Florida | 5 | $ 6,075,000 | $ 1,215,000 | $ 716,000 |
| Cabarrus County North Carolina | 5 | $ 1,815,000 | $ 363,000 | $ 585,000 |
| Jackson County North Carolina | 5 | $ 10,075,000 | $ 2,015,000 | $ 1,292,000 |
| Transylvania County North Carolina | 5 | $ 6,195,000 | $ 1,239,000 | $ 1,796,000 |
| Union County North Carolina | 5 | $ 1,845,000 | $ 369,000 | $ 134,000 |
| Colleton County South Carolina | 5 | $ 3,465,000 | $ 693,000 | $ 360,000 |
| Henderson County North Carolina | 4 | $ 2,950,000 | $ 737,000 | $ 356,000 |
| Randolph County North Carolina | 4 | $ 870,000 | $ 217,000 | $ 75,000 |
| Lee County Florida | 3 | $ 2,145,000 | $ 715,000 | $ 399,000 |
| Fayette County Georgia | 3 | $ 2,065,000 | $ 688,000 | $ 219,000 |
| Franklin County Georgia | 3 | $ 1,185,000 | $ 395,000 | $ 115,000 |
| Glynn County Georgia | 3 | $ 1,835,000 | $ 611,000 | $ 615,000 |
| Caldwell County North Carolina | 3 | $ 855,000 | $ 285,000 | $ 294,000 |
| Gaston County North Carolina | 3 | $ 1,315,000 | $ 438,000 | $ 154,000 |
| Johnston County North Carolina | 3 | $ 1,725,000 | $ 575,000 | $ 118,000 |
| Moore County North Carolina | 3 | $ 10,755,000 | $ 3,585,000 | $ 770,000 |
| Watauga County North Carolina | 3 | $ 2,125,000 | $ 708,000 | $ 309,000 |
| Greenwood County South Carolina | 3 | $ 625,000 | $ 208,000 | $ 237,000 |
| McCormick County South Carolina | 3 | $ 805,000 | $ 268,000 | $ 75,000 |
| Newberry County South Carolina | 3 | $ 885,000 | $ 295,000 | $ 615,000 |
| Orangeburg County South Carolina | 3 | $ 335,000 | $ 111,000 | $ 119,000 |
| Randolph County Alabama | 2 | $ 1,450,000 | $ 725,000 | $ 282,000 |
| Bulloch County Georgia | 2 | $ 290,000 | $ 145,000 | $ 600,000 |
| Clayton County Georgia | 2 | $ 980,000 | $ 490,000 | $ 238,000 |
| Hart County Georgia | 2 | $ 420,000 | $ 210,000 | $ 137,000 |
| Ouachita County Louisiana | 2 | $ 680,000 | $ 340,000 | $ 73,000 |
| Alamance County North Carolina | 2 | $ 480,000 | $ 240,000 | $ 195,000 |
| Alleghany County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 38,000 |
| Chatham County North Carolina | 2 | $ 720,000 | $ 360,000 | $ 230,000 |
| Franklin County North Carolina | 2 | $ 630,000 | $ 315,000 | $ 0 |
| Haywood County North Carolina | 2 | $ 100,000 | $ 50,000 | $ 127,000 |
| Macon County North Carolina | 2 | $ 820,000 | $ 410,000 | $ 525,000 |
| Madison County North Carolina | 2 | $ 420,000 | $ 210,000 | $ 118,000 |
| Polk County North Carolina | 2 | $ 1,100,000 | $ 550,000 | $ 271,000 |
| Stanly County North Carolina | 2 | $ 1,050,000 | $ 525,000 | $ 511,000 |
| Stokes County North Carolina | 2 | $ 1,010,000 | $ 505,000 | $ 305,000 |
| Yancey County North Carolina | 2 | $ 400,000 | $ 200,000 | $ 196,000 |
| Cherokee County South Carolina | 2 | $ 780,000 | $ 390,000 | $ 131,000 |
| Saluda County South Carolina | 2 | $ 1,140,000 | $ 570,000 | $ 249,000 |
| Davidson County Tennessee | 2 | $ 680,000 | $ 340,000 | $ 193,000 |
| Knox County Tennessee | 2 | $ 710,000 | $ 355,000 | $ 835,000 |
| Sevier County Tennessee | 2 | $ 2,070,000 | $ 1,035,000 | $ 813,000 |
| Baldwin County Alabama | 1 | $ 335,000 | $ 335,000 | $ 89,000 |
| Escambia County Florida | 1 | $ 405,000 | $ 405,000 | $ 3,385,000 |
| Franklin County Florida | 1 | $ 805,000 | $ 805,000 | $ 664,000 |
| Hillsborough County Florida | 1 | $ 805,000 | $ 805,000 | $ 293,000 |
| Miami-Dade County Florida | 1 | $ 1,325,000 | $ 1,325,000 | $ 593,000 |
| Nassau County Florida | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 1,765,000 | $ 1,765,000 | $ 0 |
| Pinellas County Florida | 1 | $ 1,765,000 | $ 1,765,000 | $ 835,000 |
| Sarasota County Florida | 1 | $ 2,335,000 | $ 2,335,000 | $ 1,745,000 |
| Barrow County Georgia | 1 | $ 265,000 | $ 265,000 | $ 85,000 |
| Bartow County Georgia | 1 | $ 405,000 | $ 405,000 | $ 143,000 |
| Bryan County Georgia | 1 | $ 405,000 | $ 405,000 | $ 640,000 |
| Carroll County Georgia | 1 | $ 245,000 | $ 245,000 | $ 131,000 |
| Clarke County Georgia | 1 | $ 225,000 | $ 225,000 | $ 285,000 |
| Columbia County Georgia | 1 | $ 255,000 | $ 255,000 | $ 479,000 |
| Coweta County Georgia | 1 | $ 365,000 | $ 365,000 | $ 80,000 |
| Fannin County Georgia | 1 | $ 355,000 | $ 355,000 | $ 392,000 |
| Gilmer County Georgia | 1 | $ 125,000 | $ 125,000 | $ 139,000 |
| Greene County Georgia | 1 | $ 355,000 | $ 355,000 | $ 855,000 |
| Hall County Georgia | 1 | $ 1,135,000 | $ 1,135,000 | $ 0 |
| Hancock County Georgia | 1 | $ 415,000 | $ 415,000 | $ 676,000 |
| Jackson County Georgia | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Morgan County Georgia | 1 | $ 125,000 | $ 125,000 | $ 153,000 |
| Oconee County Georgia | 1 | $ 405,000 | $ 405,000 | $ 50,000 |
| Rabun County Georgia | 1 | $ 1,505,000 | $ 1,505,000 | $ 5,921,000 |
| Rockdale County Georgia | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Troup County Georgia | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Walker County Georgia | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
| Walton County Georgia | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
| Ashe County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Avery County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Beaufort County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Cleveland County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 188,000 |
| Cumberland County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 261,000 |
| Dare County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Halifax County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Lenoir County North Carolina | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Nash County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Northampton County North Carolina | 1 | $ 635,000 | $ 635,000 | $ 176,000 |
| Onslow County North Carolina | 1 | $ 745,000 | $ 745,000 | $ 502,000 |
| Pender County North Carolina | 1 | $ 655,000 | $ 655,000 | $ 271,000 |
| Person County North Carolina | 1 | $ 685,000 | $ 685,000 | $ 154,000 |
| Rockingham County North Carolina | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Surry County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 204,000 |
| Swain County North Carolina | 1 | $ 675,000 | $ 675,000 | $ 303,000 |
| Vance County North Carolina | 1 | $ 615,000 | $ 615,000 | $ 465,000 |
| Yadkin County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 468,000 |
| Bamberg County South Carolina | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Calhoun County South Carolina | 1 | $ 335,000 | $ 335,000 | $ 561,000 |
| Clarendon County South Carolina | 1 | $ 505,000 | $ 505,000 | $ 145,000 |
| Edgefield County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Florence County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jefferson County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 109,000 |
| Shelby County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 90,000 |
| Bedford County Virginia | 1 | $ 255,000 | $ 255,000 | $ 323,000 |
| Carroll County Virginia | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Fairfax County Virginia | 1 | $ 475,000 | $ 475,000 | $ 108,000 |
| Floyd County Virginia | 1 | $ 175,000 | $ 175,000 | $ 252,000 |
| Roanoke City County Virginia | 1 | $ 195,000 | $ 195,000 | $ 0 |
Mortgage Loan Application Detail Totals for Southern First Bank in 2022
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 | 1,239 | $627,885,000 | $506,000 | $8,805,000 | $257,000 | $9,254,000 |
| Refinancing | 382 | $179,170,000 | $469,000 | $5,755,000 | $385,000 | $9,730,000 |
| Other Purpose | 348 | $90,350,000 | $259,000 | $2,525,000 | $353,000 | $4,359,000 |
| Home Improvement | 267 | $63,615,000 | $238,000 | $5,175,000 | $309,000 | $4,500,000 |
| Cash-out Refinancing | 73 | $28,235,000 | $386,000 | $1,165,000 | $196,000 | $1,346,000 |
| 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 | 1,640 | $667,620,000 | $407,000 | $3,855,000 | $294,000 | $9,730,000 |
| Not applicable | 284 | $171,760,000 | $604,000 | $8,805,000 | $0 | $0 |
| Not Provided | 199 | $86,505,000 | $434,000 | $5,205,000 | $368,000 | $7,907,000 |
| Black or African American | 88 | $28,080,000 | $319,000 | $2,005,000 | $196,000 | $1,853,000 |
| Hispanic | 41 | $10,135,000 | $247,000 | $645,000 | $136,000 | $550,000 |
| Asian | 40 | $17,420,000 | $435,000 | $1,885,000 | $311,000 | $1,834,000 |
| American Indian or Alaskan Native | 6 | $1,900,000 | $316,000 | $405,000 | $172,000 | $378,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $520,000 | $260,000 | $385,000 | $108,000 | $177,000 |
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) | 2,256 | $973,670,000 | $431,000 | $8,805,000 | $299,000 | $9,730,000 |
| FHA-insured (Federal Housing Administration) | 38 | $9,590,000 | $252,000 | $465,000 | $101,000 | $685,000 |
| VA-guaranteed (Veterans Administration) | 14 | $5,560,000 | $397,000 | $795,000 | $144,000 | $447,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $435,000 | $435,000 | $435,000 | $103,000 | $103,000 |
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 | 1,998 | $841,760,000 | $421,000 | $8,805,000 | $302,000 | $9,730,000 |
| Application Withdrawn By Applicant | 227 | $107,735,000 | $474,000 | $5,755,000 | $253,000 | $4,500,000 |
| Application Denied By Financial Institution | 38 | $18,720,000 | $492,000 | $5,205,000 | $191,000 | $701,000 |
| Application Approved But Not Accepted | 33 | $15,815,000 | $479,000 | $2,965,000 | $230,000 | $981,000 |
| File Closed For Incompleteness | 10 | $4,150,000 | $415,000 | $1,325,000 | $316,000 | $780,000 |
| Loan Purchased By The Institution | 3 | $1,075,000 | $358,000 | $705,000 | $94,000 | $96,000 |
| 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 | 2,271 | $970,535,000 | $427,000 | $8,805,000 | $296,000 | $9,730,000 |
| Credit History | 13 | $2,865,000 | $220,000 | $1,175,000 | $212,000 | $574,000 |
| Collateral | 11 | $9,645,000 | $876,000 | $5,205,000 | $281,000 | $701,000 |
| Debt-To-Income Ratio | 9 | $3,025,000 | $336,000 | $725,000 | $116,000 | $263,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $2,625,000 | $875,000 | $1,805,000 | $112,000 | $150,000 |
| Unverifiable Information | 2 | $560,000 | $280,000 | $435,000 | $85,000 | $103,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southern First Bank's 2022 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.