The Peoples National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
The Peoples National Bank 2004 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 | The Peoples National Bank Po Box 1989 Easley, SC 29641 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,190 |
| Total Mortgage Loan Application Amount | $168,423,000 |
| Average Mortgage Loan Application Amount | $152,176 |
| Highest Mortgage Loan Application Amount | $845,000 |
| Average Applicant Income | $84,529 |
| Highest Applicant Income | $881,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with The Peoples National 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 The Peoples National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down The Peoples National 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 The Peoples National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by The Peoples National 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 The Peoples National Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pickens County South Carolina | 224 | $ 26,729,000 | $ 119,000 | $ 54,000 |
| Anderson County South Carolina | 214 | $ 29,676,000 | $ 138,000 | $ 55,000 |
| Greenville County South Carolina | 156 | $ 23,268,000 | $ 149,000 | $ 66,000 |
| Oconee County South Carolina | 111 | $ 17,568,000 | $ 158,000 | $ 67,000 |
| Lexington County South Carolina | 82 | $ 13,290,000 | $ 162,000 | $ 72,000 |
| Spartanburg County South Carolina | 48 | $ 7,257,000 | $ 151,000 | $ 66,000 |
| Horry County South Carolina | 44 | $ 6,052,000 | $ 137,000 | $ 77,000 |
| Richland County South Carolina | 40 | $ 7,169,000 | $ 179,000 | $ 92,000 |
| Buncombe County North Carolina | 33 | $ 5,414,000 | $ 164,000 | $ 57,000 |
| Georgetown County South Carolina | 31 | $ 4,432,000 | $ 142,000 | $ 69,000 |
| Charleston County South Carolina | 26 | $ 4,748,000 | $ 182,000 | $ 65,000 |
| Kershaw County South Carolina | 20 | $ 2,358,000 | $ 117,000 | $ 64,000 |
| Colleton County South Carolina | 12 | $ 1,762,000 | $ 146,000 | $ 119,000 |
| Henderson County North Carolina | 11 | $ 1,323,000 | $ 120,000 | $ 91,000 |
| Guilford County North Carolina | 10 | $ 1,554,000 | $ 155,000 | $ 77,000 |
| Abbeville County South Carolina | 7 | $ 1,132,000 | $ 161,000 | $ 83,000 |
| Greenwood County South Carolina | 7 | $ 610,000 | $ 87,000 | $ 42,000 |
| Forsyth County North Carolina | 6 | $ 748,000 | $ 124,000 | $ 60,000 |
| Mecklenburg County North Carolina | 6 | $ 676,000 | $ 112,000 | $ 56,000 |
| Newberry County South Carolina | 6 | $ 811,000 | $ 135,000 | $ 80,000 |
| Sumter County South Carolina | 6 | $ 693,000 | $ 115,000 | $ 68,000 |
| Lancaster County South Carolina | 5 | $ 598,000 | $ 119,000 | $ 74,000 |
| Davidson County North Carolina | 4 | $ 435,000 | $ 108,000 | $ 35,000 |
| Madison County North Carolina | 4 | $ 582,000 | $ 145,000 | $ 57,000 |
| Berkeley County South Carolina | 4 | $ 389,000 | $ 97,000 | $ 35,000 |
| Cherokee County South Carolina | 4 | $ 487,000 | $ 121,000 | $ 60,000 |
| Gwinnett County Georgia | 3 | $ 392,000 | $ 130,000 | $ 58,000 |
| Wake County North Carolina | 3 | $ 334,000 | $ 111,000 | $ 43,000 |
| Orangeburg County South Carolina | 3 | $ 335,000 | $ 111,000 | $ 73,000 |
| Craven County North Carolina | 2 | $ 275,000 | $ 137,000 | $ 55,000 |
| Davie County North Carolina | 2 | $ 274,000 | $ 137,000 | $ 35,000 |
| Gaston County North Carolina | 2 | $ 169,000 | $ 84,000 | $ 40,000 |
| Johnston County North Carolina | 2 | $ 160,000 | $ 80,000 | $ 42,000 |
| Randolph County North Carolina | 2 | $ 147,000 | $ 73,000 | $ 24,000 |
| Rockingham County North Carolina | 2 | $ 125,000 | $ 62,000 | $ 25,000 |
| Transylvania County North Carolina | 2 | $ 243,000 | $ 121,000 | $ 145,000 |
| Yadkin County North Carolina | 2 | $ 218,000 | $ 109,000 | $ 59,000 |
| Aiken County South Carolina | 2 | $ 296,000 | $ 148,000 | $ 42,000 |
| Dorchester County South Carolina | 2 | $ 291,000 | $ 145,000 | $ 113,000 |
| Laurens County South Carolina | 2 | $ 146,000 | $ 73,000 | $ 38,000 |
| York County South Carolina | 2 | $ 207,000 | $ 103,000 | $ 72,000 |
| Spotsylvania County Virginia | 2 | $ 323,000 | $ 161,000 | $ 88,000 |
| Shelby County Alabama | 1 | $ 110,000 | $ 110,000 | $ 54,000 |
| New Castle County Delaware | 1 | $ 202,000 | $ 202,000 | $ 68,000 |
| Catoosa County Georgia | 1 | $ 81,000 | $ 81,000 | $ 29,000 |
| Elbert County Georgia | 1 | $ 158,000 | $ 158,000 | $ 212,000 |
| Forsyth County Georgia | 1 | $ 258,000 | $ 258,000 | $ 61,000 |
| Henry County Georgia | 1 | $ 118,000 | $ 118,000 | $ 58,000 |
| Lincoln County Georgia | 1 | $ 131,000 | $ 131,000 | $ 184,000 |
| Lowndes County Georgia | 1 | $ 114,000 | $ 114,000 | $ 49,000 |
| Stephens County Georgia | 1 | $ 80,000 | $ 80,000 | $ 39,000 |
| Frederick County Maryland | 1 | $ 233,000 | $ 233,000 | $ 60,000 |
| Prince George's County Maryland | 1 | $ 279,000 | $ 279,000 | $ 157,000 |
| Anoka County Minnesota | 1 | $ 160,000 | $ 160,000 | $ 94,000 |
| Mercer County New Jersey | 1 | $ 198,000 | $ 198,000 | $ 104,000 |
| Catawba County North Carolina | 1 | $ 102,000 | $ 102,000 | $ 60,000 |
| Durham County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 79,000 |
| Jackson County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 110,000 |
| Rowan County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 56,000 |
| Stokes County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 78,000 |
| Wilkes County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Butler County Ohio | 1 | $ 75,000 | $ 75,000 | $ 193,000 |
| Bucks County Pennsylvania | 1 | $ 143,000 | $ 143,000 | $ 95,000 |
| Beaufort County South Carolina | 1 | $ 90,000 | $ 90,000 | $ 29,000 |
| Chesterfield County South Carolina | 1 | $ 83,000 | $ 83,000 | $ 81,000 |
| Darlington County South Carolina | 1 | $ 90,000 | $ 90,000 | $ 156,000 |
| Edgefield County South Carolina | 1 | $ 128,000 | $ 128,000 | $ 83,000 |
| Fairfield County South Carolina | 1 | $ 149,000 | $ 149,000 | $ 38,000 |
| Florence County South Carolina | 1 | $ 49,000 | $ 49,000 | $ 30,000 |
| McCormick County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 20,000 |
| Knox County Tennessee | 1 | $ 149,000 | $ 149,000 | $ 51,000 |
| Sullivan County Tennessee | 1 | $ 206,000 | $ 206,000 | $ 65,000 |
| Bath County Virginia | 1 | $ 205,000 | $ 205,000 | $ 105,000 |
| Fairfax County Virginia | 1 | $ 123,000 | $ 123,000 | $ 57,000 |
| Loudoun County Virginia | 1 | $ 189,000 | $ 189,000 | $ 54,000 |
| Prince William County Virginia | 1 | $ 198,000 | $ 198,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for The Peoples National Bank in 2004
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 | 792 | $115,507,000 | $168,800 | $650,000 | $80,300 | $801,000 |
| Home Purchase | 388 | $51,946,000 | $133,666 | $845,000 | $93,833 | $881,000 |
| Home Improvement | 10 | $970,000 | $97,000 | $220,000 | $71,000 | $173,000 |
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 | 1,061 | $151,910,000 | $160,000 | $845,000 | $89,454 | $881,000 |
| Not Provided | 61 | $8,342,000 | $151,666 | $405,000 | $57,000 | $190,000 |
| Black or African American | 37 | $4,518,000 | $121,666 | $300,000 | $69,666 | $133,000 |
| Hispanic | 14 | $1,759,000 | $140,500 | $332,000 | $72,500 | $177,000 |
| Not applicable | 13 | $1,521,000 | $117,000 | $550,000 | $0 | $0 |
| Asian | 2 | $228,000 | $114,000 | $150,000 | $95,000 | $150,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $71,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $50,000 | $50,000 | $50,000 | $20,000 | $20,000 |
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) | 1,190 | $168,423,000 | $158,500 | $845,000 | $88,750 | $881,000 |
| 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 | 1,026 | $146,187,000 | $159,181 | $845,000 | $88,545 | $881,000 |
| Application Withdrawn By Applicant | 124 | $17,464,000 | $135,500 | $650,000 | $55,500 | $294,000 |
| Application Denied By Financial Institution | 36 | $4,411,000 | $137,333 | $386,000 | $108,666 | $184,000 |
| Loan Purchased By The Institution | 4 | $361,000 | $90,000 | $106,000 | $46,333 | $60,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 20 | $2,225,000 | $134,000 | $386,000 | $68,000 | $102,000 |
| Debt-To-Income Ratio | 7 | $913,000 | $130,000 | $183,000 | $32,000 | $48,000 |
| Collateral | 7 | $948,000 | $133,500 | $263,000 | $129,500 | $184,000 |
| Unverifiable Information | 1 | $225,000 | $225,000 | $225,000 | $60,000 | $60,000 |
| Employment History | 1 | $100,000 | $100,000 | $100,000 | $80,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Peoples National Bank's 2004 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 The Peoples National 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.