Carolina First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003

Carolina First Bank 2003 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 Carolina First Bank
102 S Main Street
Greenville, SC 29601
Tel #: available with data download
Federal Regulator * available with data download
Years 2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 7,299
Total Mortgage Loan Application Amount $1,040,861,000
Average Mortgage Loan Application Amount $197,333
Highest Mortgage Loan Application Amount $11,600,000
Average Applicant Income $69,791
Highest Applicant Income $2,528,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Carolina 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 Carolina First Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2003 breaks down Carolina 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 Carolina First Bank serves its applicants.

Each category highlights the total number of mortgage applications processed by Carolina 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 Carolina First Bank's mortgage activity for 2003.

Mortgage Loan Application Totals for Carolina First Bank by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Horry County South Carolina 941 $ 126,974,000 $ 134,000 $ 66,000
Greenville County South Carolina 869 $ 125,602,000 $ 144,000 $ 62,000
Richland County South Carolina 553 $ 84,367,000 $ 152,000 $ 69,000
Charleston County South Carolina 462 $ 103,232,000 $ 223,000 $ 111,000
Anderson County South Carolina 460 $ 46,898,000 $ 101,000 $ 48,000
Lexington County South Carolina 350 $ 50,275,000 $ 143,000 $ 63,000
Georgetown County South Carolina 324 $ 56,471,000 $ 174,000 $ 92,000
York County South Carolina 225 $ 30,140,000 $ 133,000 $ 65,000
Pickens County South Carolina 205 $ 22,046,000 $ 107,000 $ 66,000
Laurens County South Carolina 199 $ 14,096,000 $ 70,000 $ 52,000
Florence County South Carolina 153 $ 17,415,000 $ 113,000 $ 56,000
Duval County Florida 150 $ 24,274,000 $ 161,000 $ 80,000
Pinellas County Florida 139 $ 22,808,000 $ 164,000 $ 85,000
Aiken County South Carolina 139 $ 17,527,000 $ 126,000 $ 85,000
Greenwood County South Carolina 135 $ 13,220,000 $ 97,000 $ 55,000
Orange County Florida 119 $ 18,668,000 $ 156,000 $ 77,000
Beaufort County South Carolina 106 $ 26,536,000 $ 250,000 $ 95,000
Berkeley County South Carolina 100 $ 24,334,000 $ 243,000 $ 53,000
Marion County South Carolina 95 $ 7,700,000 $ 81,000 $ 51,000
Hillsborough County Florida 86 $ 11,976,000 $ 139,000 $ 60,000
Kershaw County South Carolina 86 $ 11,424,000 $ 132,000 $ 75,000
Henderson County North Carolina 77 $ 12,399,000 $ 161,000 $ 74,000
New Hanover County North Carolina 75 $ 7,057,000 $ 94,000 $ 64,000
Spartanburg County South Carolina 71 $ 9,217,000 $ 129,000 $ 67,000
Pasco County Florida 68 $ 7,313,000 $ 107,000 $ 61,000
Onslow County North Carolina 65 $ 5,576,000 $ 85,000 $ 56,000
Citrus County Florida 60 $ 6,592,000 $ 109,000 $ 54,000
Putnam County Florida 59 $ 5,138,000 $ 87,000 $ 56,000
Edgefield County South Carolina 59 $ 3,845,000 $ 65,000 $ 61,000
Clay County Florida 55 $ 8,251,000 $ 150,000 $ 39,000
Dorchester County South Carolina 52 $ 6,318,000 $ 121,000 $ 90,000
Pender County North Carolina 49 $ 6,522,000 $ 133,000 $ 69,000
Oconee County South Carolina 41 $ 6,870,000 $ 167,000 $ 83,000
St. Johns County Florida 35 $ 6,484,000 $ 185,000 $ 87,000
Newberry County South Carolina 35 $ 3,480,000 $ 99,000 $ 58,000
Brunswick County North Carolina 30 $ 3,157,000 $ 105,000 $ 50,000
Buncombe County North Carolina 25 $ 2,950,000 $ 118,000 $ 73,000
Haywood County North Carolina 23 $ 3,139,000 $ 136,000 $ 54,000
Darlington County South Carolina 23 $ 2,689,000 $ 116,000 $ 37,000
Seminole County Florida 22 $ 3,583,000 $ 162,000 $ 92,000
Polk County North Carolina 22 $ 4,065,000 $ 184,000 $ 59,000
Mecklenburg County North Carolina 21 $ 3,960,000 $ 188,000 $ 97,000
Osceola County Florida 18 $ 2,016,000 $ 112,000 $ 56,000
Abbeville County South Carolina 18 $ 1,784,000 $ 99,000 $ 57,000
Rutherford County North Carolina 15 $ 1,581,000 $ 105,000 $ 63,000
Marlboro County South Carolina 15 $ 815,000 $ 54,000 $ 44,000
Sumter County South Carolina 14 $ 4,355,000 $ 311,000 $ 73,000
Fairfield County South Carolina 13 $ 2,318,000 $ 178,000 $ 112,000
Lake County Florida 12 $ 2,079,000 $ 173,000 $ 75,000
Macon County North Carolina 12 $ 2,617,000 $ 218,000 $ 222,000
Gaston County North Carolina 11 $ 1,726,000 $ 156,000 $ 61,000
Colleton County South Carolina 11 $ 3,554,000 $ 323,000 $ 197,000
Mitchell County North Carolina 10 $ 770,000 $ 77,000 $ 55,000
Flagler County Florida 9 $ 1,816,000 $ 201,000 $ 64,000
Nassau County Florida 9 $ 1,626,000 $ 180,000 $ 91,000
McDowell County North Carolina 9 $ 689,000 $ 76,000 $ 50,000
Dillon County South Carolina 9 $ 761,000 $ 84,000 $ 83,000
Orangeburg County South Carolina 9 $ 2,357,000 $ 261,000 $ 60,000
Clarendon County South Carolina 8 $ 764,000 $ 95,000 $ 54,000
McCormick County South Carolina 8 $ 1,848,000 $ 231,000 $ 102,000
Polk County Florida 6 $ 1,212,000 $ 202,000 $ 76,000
Volusia County Florida 6 $ 806,000 $ 134,000 $ 106,000
Wake County North Carolina 6 $ 1,080,000 $ 180,000 $ 162,000
Yancey County North Carolina 6 $ 339,000 $ 56,000 $ 75,000
Calhoun County South Carolina 6 $ 1,144,000 $ 190,000 $ 81,000
Chester County South Carolina 6 $ 646,000 $ 107,000 $ 49,000
Lancaster County South Carolina 6 $ 559,000 $ 93,000 $ 54,000
Williamsburg County South Carolina 6 $ 344,000 $ 57,000 $ 70,000
Hernando County Florida 5 $ 646,000 $ 129,000 $ 78,000
Madison County North Carolina 5 $ 507,000 $ 101,000 $ 60,000
Brevard County Florida 4 $ 438,000 $ 109,000 $ 55,000
Manatee County Florida 4 $ 959,000 $ 239,000 $ 124,000
Monroe County Florida 4 $ 1,962,000 $ 490,000 $ 583,000
Jackson County Georgia 4 $ 484,000 $ 121,000 $ 35,000
Duplin County North Carolina 4 $ 471,000 $ 117,000 $ 26,000
Jackson County North Carolina 4 $ 627,000 $ 156,000 $ 84,000
Jefferson County Alabama 3 $ 384,000 $ 128,000 $ 105,000
Shelby County Alabama 3 $ 402,000 $ 134,000 $ 73,000
Talladega County Alabama 3 $ 409,000 $ 136,000 $ 80,000
Columbia County Georgia 3 $ 1,608,000 $ 536,000 $ 168,000
Gwinnett County Georgia 3 $ 504,000 $ 168,000 $ 76,000
Jefferson County Kentucky 3 $ 281,000 $ 93,000 $ 100,000
Bladen County North Carolina 3 $ 392,000 $ 130,000 $ 71,000
Catawba County North Carolina 3 $ 604,000 $ 201,000 $ 97,000
Cleveland County North Carolina 3 $ 126,000 $ 42,000 $ 39,000
Columbus County North Carolina 3 $ 191,000 $ 63,000 $ 46,000
Franklin County North Carolina 3 $ 269,000 $ 89,000 $ 45,000
Transylvania County North Carolina 3 $ 1,100,000 $ 366,000 $ 147,000
Union County North Carolina 3 $ 580,000 $ 193,000 $ 119,000
Cherokee County South Carolina 3 $ 411,000 $ 137,000 $ 55,000
Jasper County South Carolina 3 $ 264,000 $ 88,000 $ 26,000
Washington County Alabama 2 $ 169,000 $ 84,000 $ 62,000
Alachua County Florida 2 $ 218,000 $ 109,000 $ 169,000
Charlotte County Florida 2 $ 496,000 $ 248,000 $ 222,000
Palm Beach County Florida 2 $ 282,000 $ 141,000 $ 130,000
Santa Rosa County Florida 2 $ 172,000 $ 86,000 $ 66,000
Chatham County Georgia 2 $ 410,000 $ 205,000 $ 94,000
Fulton County Georgia 2 $ 521,000 $ 260,000 $ 109,000
Pickens County Georgia 2 $ 142,000 $ 71,000 $ 56,000
Craven County North Carolina 2 $ 157,000 $ 78,000 $ 52,000
Moore County North Carolina 2 $ 299,000 $ 149,000 $ 63,000
Rowan County North Carolina 2 $ 319,000 $ 159,000 $ 62,000
Swain County North Carolina 2 $ 100,000 $ 50,000 $ 120,000
Watauga County North Carolina 2 $ 316,000 $ 158,000 $ 91,000
Bamberg County South Carolina 2 $ 93,000 $ 46,000 $ 12,000
Barnwell County South Carolina 2 $ 143,000 $ 71,000 $ 87,000
Chesterfield County South Carolina 2 $ 258,000 $ 129,000 $ 55,000
Lee County South Carolina 2 $ 155,000 $ 77,000 $ 270,000
Saluda County South Carolina 2 $ 135,000 $ 67,000 $ 46,000
Union County South Carolina 2 $ 159,000 $ 79,000 $ 59,000
Davidson County Tennessee 2 $ 140,000 $ 70,000 $ 94,000
Hamilton County Tennessee 2 $ 152,000 $ 76,000 $ 33,000
Travis County Texas 2 $ 653,000 $ 326,000 $ 0
Baldwin County Alabama 1 $ 73,000 $ 73,000 $ 25,000
Escambia County Alabama 1 $ 145,000 $ 145,000 $ 86,000
Etowah County Alabama 1 $ 119,000 $ 119,000 $ 91,000
Madison County Alabama 1 $ 168,000 $ 168,000 $ 96,000
Marshall County Alabama 1 $ 89,000 $ 89,000 $ 104,000
Mobile County Alabama 1 $ 52,000 $ 52,000 $ 57,000
Morgan County Alabama 1 $ 100,000 $ 100,000 $ 99,000
Tuscaloosa County Alabama 1 $ 91,000 $ 91,000 $ 79,000
Bradford County Florida 1 $ 77,000 $ 77,000 $ 22,000
Broward County Florida 1 $ 75,000 $ 75,000 $ 44,000
Columbia County Florida 1 $ 124,000 $ 124,000 $ 85,000
Dixie County Florida 1 $ 35,000 $ 35,000 $ 36,000
Madison County Florida 1 $ 150,000 $ 150,000 $ 89,000
Sarasota County Florida 1 $ 128,000 $ 128,000 $ 51,000
Suwannee County Florida 1 $ 170,000 $ 170,000 $ 72,000
Barrow County Georgia 1 $ 160,000 $ 160,000 $ 61,000
Bryan County Georgia 1 $ 113,000 $ 113,000 $ 72,000
Burke County Georgia 1 $ 145,000 $ 145,000 $ 35,000
Cobb County Georgia 1 $ 322,000 $ 322,000 $ 94,000
DeKalb County Georgia 1 $ 205,000 $ 205,000 $ 262,000
Fannin County Georgia 1 $ 62,000 $ 62,000 $ 22,000
Fayette County Georgia 1 $ 79,000 $ 79,000 $ 53,000
Gilmer County Georgia 1 $ 59,000 $ 59,000 $ 82,000
Greene County Georgia 1 $ 81,000 $ 81,000 $ 100,000
Richmond County Georgia 1 $ 130,000 $ 130,000 $ 54,000
Towns County Georgia 1 $ 106,000 $ 106,000 $ 165,000
Assumption County Louisiana 1 $ 66,000 $ 66,000 $ 60,000
Baltimore City County Maryland 1 $ 200,000 $ 200,000 $ 215,000
Oakland County Michigan 1 $ 158,000 $ 158,000 $ 65,000
Alcorn County Mississippi 1 $ 58,000 $ 58,000 $ 46,000
Alamance County North Carolina 1 $ 136,000 $ 136,000 $ 150,000
Avery County North Carolina 1 $ 155,000 $ 155,000 $ 294,000
Beaufort County North Carolina 1 $ 160,000 $ 160,000 $ 91,000
Burke County North Carolina 1 $ 70,000 $ 70,000 $ 0
Cabarrus County North Carolina 1 $ 106,000 $ 106,000 $ 35,000
Clay County North Carolina 1 $ 124,000 $ 124,000 $ 145,000
Cumberland County North Carolina 1 $ 345,000 $ 345,000 $ 175,000
Davidson County North Carolina 1 $ 104,000 $ 104,000 $ 47,000
Davie County North Carolina 1 $ 115,000 $ 115,000 $ 81,000
Guilford County North Carolina 1 $ 284,000 $ 284,000 $ 139,000
Iredell County North Carolina 1 $ 150,000 $ 150,000 $ 48,000
Lee County North Carolina 1 $ 186,000 $ 186,000 $ 53,000
Lincoln County North Carolina 1 $ 280,000 $ 280,000 $ 113,000
Nash County North Carolina 1 $ 362,000 $ 362,000 $ 390,000
Orange County North Carolina 1 $ 137,000 $ 137,000 $ 131,000
Pitt County North Carolina 1 $ 229,000 $ 229,000 $ 66,000
Randolph County North Carolina 1 $ 80,000 $ 80,000 $ 66,000
Rockingham County North Carolina 1 $ 63,000 $ 63,000 $ 174,000
Greene County Tennessee 1 $ 69,000 $ 69,000 $ 36,000
McMinn County Tennessee 1 $ 61,000 $ 61,000 $ 36,000
Sevier County Tennessee 1 $ 150,000 $ 150,000 $ 130,000
Washington County Tennessee 1 $ 200,000 $ 200,000 $ 77,000
Gloucester County Virginia 1 $ 166,000 $ 166,000 $ 61,000
James City County Virginia 1 $ 177,000 $ 177,000 $ 86,000
Virginia Beach County Virginia 1 $ 110,000 $ 110,000 $ 95,000

Mortgage Loan Application Detail Totals for Carolina First Bank in 2003

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 (home purchase or home improvement, one-to-four family) 4,678 $665,266,000 $123,636 $2,408,000 $91,272 $2,267,000
Home Purchase (one-to-four family) 2,403 $341,729,000 $162,125 $1,800,000 $60,250 $2,528,000
Home Improvement (one-to-four family) 203 $14,467,000 $92,000 $1,140,000 $63,000 $824,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 15 $19,399,000 $901,500 $11,600,000 $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 5,283 $734,548,000 $135,272 $2,408,000 $86,454 $2,267,000
Information not provided by applicant in mail or telephone application 1,331 $217,246,000 $121,555 $1,000,000 $79,888 $2,528,000
Black 398 $34,727,000 $111,400 $465,000 $54,600 $369,000
Not applicable 134 $34,387,000 $236,333 $11,600,000 $0 $25,000
Hispanic 77 $8,437,000 $119,666 $336,000 $53,000 $175,000
Asian or Pacific Islander 43 $6,922,000 $169,250 $618,000 $109,250 $390,000
Other 28 $4,175,000 $162,666 $1,000,000 $115,000 $294,000
American Indian or Alaskan Native 5 $419,000 $83,000 $119,000 $34,000 $79,000

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) 7,051 $1,013,388,000 $144,153 $11,600,000 $80,538 $2,528,000
FHA-insured (Federal Housing Administration) 164 $15,713,000 $93,666 $199,000 $49,000 $311,000
VA-guaranteed (Veterans Administration) 84 $11,760,000 $120,666 $323,000 $43,666 $121,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 4,520 $651,477,000 $161,545 $11,600,000 $93,000 $2,528,000
Application Denied By Financial Institution 1,409 $186,482,000 $117,444 $1,253,000 $60,333 $1,500,000
Loan Purchased By The Institution 857 $126,782,000 $152,000 $1,300,000 $191,666 $1,040,000
Application Withdrawn By Applicant 268 $40,181,000 $118,400 $2,408,000 $61,800 $1,246,000
File Closed For Incompleteness 152 $22,204,000 $133,400 $750,000 $71,600 $479,000
Application Approved But Not Accepted 93 $13,735,000 $118,500 $1,500,000 $57,500 $605,000

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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 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
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Carolina First Bank's 2003 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 Carolina 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.

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