Carolina First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Carolina First 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 | 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 | 4,933 |
| Total Mortgage Loan Application Amount | $776,576,000 |
| Average Mortgage Loan Application Amount | $149,687 |
| Highest Mortgage Loan Application Amount | $12,800,000 |
| Average Applicant Income | $83,187 |
| Highest Applicant Income | $6,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 625 | $ 88,077,000 | $ 140,000 | $ 92,000 |
| Richland County South Carolina | 394 | $ 58,861,000 | $ 149,000 | $ 92,000 |
| Greenville County South Carolina | 387 | $ 61,241,000 | $ 158,000 | $ 73,000 |
| Anderson County South Carolina | 275 | $ 29,594,000 | $ 107,000 | $ 60,000 |
| Charleston County South Carolina | 236 | $ 60,417,000 | $ 256,000 | $ 122,000 |
| Lexington County South Carolina | 207 | $ 29,898,000 | $ 144,000 | $ 96,000 |
| Henderson County North Carolina | 169 | $ 28,186,000 | $ 166,000 | $ 71,000 |
| Georgetown County South Carolina | 142 | $ 21,798,000 | $ 153,000 | $ 97,000 |
| York County South Carolina | 136 | $ 20,953,000 | $ 154,000 | $ 63,000 |
| Buncombe County North Carolina | 134 | $ 24,998,000 | $ 186,000 | $ 162,000 |
| Beaufort County South Carolina | 134 | $ 38,675,000 | $ 288,000 | $ 126,000 |
| Duval County Florida | 108 | $ 21,340,000 | $ 197,000 | $ 93,000 |
| Florence County South Carolina | 104 | $ 12,832,000 | $ 123,000 | $ 68,000 |
| Pickens County South Carolina | 99 | $ 12,320,000 | $ 124,000 | $ 79,000 |
| Rutherford County North Carolina | 82 | $ 11,198,000 | $ 136,000 | $ 76,000 |
| Greenwood County South Carolina | 80 | $ 7,436,000 | $ 92,000 | $ 57,000 |
| Laurens County South Carolina | 80 | $ 6,246,000 | $ 78,000 | $ 67,000 |
| Pinellas County Florida | 63 | $ 11,450,000 | $ 181,000 | $ 114,000 |
| Marion County South Carolina | 62 | $ 4,138,000 | $ 66,000 | $ 48,000 |
| Polk County North Carolina | 61 | $ 9,262,000 | $ 151,000 | $ 65,000 |
| Hillsborough County Florida | 60 | $ 10,279,000 | $ 171,000 | $ 97,000 |
| Orange County Florida | 60 | $ 11,804,000 | $ 196,000 | $ 71,000 |
| Spartanburg County South Carolina | 60 | $ 7,689,000 | $ 128,000 | $ 72,000 |
| Berkeley County South Carolina | 59 | $ 7,491,000 | $ 126,000 | $ 63,000 |
| Aiken County South Carolina | 58 | $ 7,166,000 | $ 123,000 | $ 80,000 |
| McDowell County North Carolina | 57 | $ 5,868,000 | $ 102,000 | $ 67,000 |
| Clay County Florida | 52 | $ 8,548,000 | $ 164,000 | $ 65,000 |
| Kershaw County South Carolina | 52 | $ 9,255,000 | $ 177,000 | $ 64,000 |
| Citrus County Florida | 45 | $ 4,760,000 | $ 105,000 | $ 63,000 |
| Haywood County North Carolina | 41 | $ 7,145,000 | $ 174,000 | $ 98,000 |
| Edgefield County South Carolina | 33 | $ 2,944,000 | $ 89,000 | $ 65,000 |
| Cleveland County North Carolina | 32 | $ 5,870,000 | $ 183,000 | $ 79,000 |
| Macon County North Carolina | 29 | $ 4,574,000 | $ 157,000 | $ 68,000 |
| Mitchell County North Carolina | 29 | $ 2,662,000 | $ 91,000 | $ 62,000 |
| Yancey County North Carolina | 27 | $ 2,898,000 | $ 107,000 | $ 53,000 |
| Baker County Florida | 26 | $ 3,321,000 | $ 127,000 | $ 83,000 |
| Oconee County South Carolina | 26 | $ 4,882,000 | $ 187,000 | $ 105,000 |
| Onslow County North Carolina | 24 | $ 2,792,000 | $ 116,000 | $ 72,000 |
| Seminole County Florida | 23 | $ 3,611,000 | $ 157,000 | $ 75,000 |
| Brunswick County North Carolina | 23 | $ 2,940,000 | $ 127,000 | $ 77,000 |
| Pasco County Florida | 22 | $ 2,429,000 | $ 110,000 | $ 56,000 |
| Transylvania County North Carolina | 21 | $ 4,978,000 | $ 237,000 | $ 582,000 |
| Putnam County Florida | 20 | $ 1,920,000 | $ 96,000 | $ 71,000 |
| Dorchester County South Carolina | 20 | $ 3,319,000 | $ 165,000 | $ 51,000 |
| Jackson County North Carolina | 19 | $ 3,104,000 | $ 163,000 | $ 163,000 |
| Newberry County South Carolina | 18 | $ 1,682,000 | $ 93,000 | $ 64,000 |
| St. Johns County Florida | 17 | $ 4,768,000 | $ 280,000 | $ 153,000 |
| Pender County North Carolina | 17 | $ 1,802,000 | $ 106,000 | $ 52,000 |
| New Hanover County North Carolina | 16 | $ 2,006,000 | $ 125,000 | $ 163,000 |
| Marion County Florida | 15 | $ 2,491,000 | $ 166,000 | $ 167,000 |
| Osceola County Florida | 14 | $ 1,661,000 | $ 118,000 | $ 56,000 |
| Mecklenburg County North Carolina | 14 | $ 4,192,000 | $ 299,000 | $ 463,000 |
| Alachua County Florida | 13 | $ 2,543,000 | $ 195,000 | $ 118,000 |
| Columbia County Florida | 13 | $ 2,012,000 | $ 154,000 | $ 62,000 |
| Marlboro County South Carolina | 13 | $ 480,000 | $ 36,000 | $ 37,000 |
| Burke County North Carolina | 12 | $ 1,929,000 | $ 160,000 | $ 81,000 |
| Abbeville County South Carolina | 11 | $ 760,000 | $ 69,000 | $ 62,000 |
| Volusia County Florida | 10 | $ 1,450,000 | $ 145,000 | $ 60,000 |
| Madison County North Carolina | 10 | $ 2,122,000 | $ 212,000 | $ 145,000 |
| Fairfield County South Carolina | 10 | $ 1,529,000 | $ 152,000 | $ 74,000 |
| Williamsburg County South Carolina | 9 | $ 1,135,000 | $ 126,000 | $ 63,000 |
| Suwannee County Florida | 8 | $ 982,000 | $ 122,000 | $ 66,000 |
| Chester County South Carolina | 8 | $ 893,000 | $ 111,000 | $ 53,000 |
| Sumter County South Carolina | 8 | $ 781,000 | $ 97,000 | $ 49,000 |
| Palm Beach County Florida | 7 | $ 1,511,000 | $ 215,000 | $ 68,000 |
| Darlington County South Carolina | 7 | $ 844,000 | $ 120,000 | $ 41,000 |
| Avery County North Carolina | 6 | $ 588,000 | $ 98,000 | $ 72,000 |
| Union County North Carolina | 6 | $ 1,584,000 | $ 264,000 | $ 113,000 |
| Colleton County South Carolina | 6 | $ 2,391,000 | $ 398,000 | $ 106,000 |
| Orangeburg County South Carolina | 6 | $ 719,000 | $ 119,000 | $ 151,000 |
| Lake County Florida | 5 | $ 377,000 | $ 75,000 | $ 113,000 |
| Jasper County South Carolina | 5 | $ 532,000 | $ 106,000 | $ 115,000 |
| McCormick County South Carolina | 5 | $ 583,000 | $ 116,000 | $ 103,000 |
| Travis County Texas | 5 | $ 1,328,000 | $ 265,000 | $ 0 |
| Bradford County Florida | 4 | $ 353,000 | $ 88,000 | $ 10,000 |
| Brevard County Florida | 4 | $ 680,000 | $ 170,000 | $ 81,000 |
| Broward County Florida | 4 | $ 686,000 | $ 171,000 | $ 69,000 |
| Miami-Dade County Florida | 4 | $ 1,018,000 | $ 254,000 | $ 278,000 |
| Monroe County Florida | 4 | $ 2,311,000 | $ 577,000 | $ 775,000 |
| Nassau County Florida | 4 | $ 1,269,000 | $ 317,000 | $ 122,000 |
| Polk County Florida | 4 | $ 798,000 | $ 199,000 | $ 162,000 |
| St. Lucie County Florida | 4 | $ 727,000 | $ 181,000 | $ 39,000 |
| Fulton County Georgia | 4 | $ 1,085,000 | $ 271,000 | $ 163,000 |
| Caldwell County North Carolina | 4 | $ 1,210,000 | $ 302,000 | $ 56,000 |
| Catawba County North Carolina | 4 | $ 415,000 | $ 103,000 | $ 97,000 |
| Gaston County North Carolina | 4 | $ 652,000 | $ 163,000 | $ 159,000 |
| Calhoun County South Carolina | 4 | $ 409,000 | $ 102,000 | $ 63,000 |
| Clarendon County South Carolina | 4 | $ 281,000 | $ 70,000 | $ 101,000 |
| Lancaster County South Carolina | 4 | $ 248,000 | $ 62,000 | $ 71,000 |
| Lee County South Carolina | 4 | $ 1,109,000 | $ 277,000 | $ 198,000 |
| Charlotte County Florida | 3 | $ 796,000 | $ 265,000 | $ 86,000 |
| Manatee County Florida | 3 | $ 659,000 | $ 219,000 | $ 125,000 |
| Chatham County Georgia | 3 | $ 675,000 | $ 225,000 | $ 114,000 |
| Cobb County Georgia | 3 | $ 781,000 | $ 260,000 | $ 160,000 |
| Gwinnett County Georgia | 3 | $ 422,000 | $ 140,000 | $ 61,000 |
| Guilford County North Carolina | 3 | $ 316,000 | $ 105,000 | $ 14,000 |
| Lincoln County North Carolina | 3 | $ 113,000 | $ 37,000 | $ 162,000 |
| Hernando County Florida | 2 | $ 497,000 | $ 248,000 | $ 79,000 |
| Levy County Florida | 2 | $ 263,000 | $ 131,000 | $ 33,000 |
| Union County Florida | 2 | $ 252,000 | $ 126,000 | $ 37,000 |
| Franklin County Georgia | 2 | $ 540,000 | $ 270,000 | $ 73,000 |
| Rabun County Georgia | 2 | $ 281,000 | $ 140,000 | $ 131,000 |
| Scotland County North Carolina | 2 | $ 144,000 | $ 72,000 | $ 152,000 |
| Wake County North Carolina | 2 | $ 368,000 | $ 184,000 | $ 122,000 |
| Watauga County North Carolina | 2 | $ 507,000 | $ 253,000 | $ 198,000 |
| Dillon County South Carolina | 2 | $ 312,000 | $ 156,000 | $ 44,000 |
| Jefferson County Alabama | 1 | $ 321,000 | $ 321,000 | $ 108,000 |
| Madison County Alabama | 1 | $ 133,000 | $ 133,000 | $ 97,000 |
| St. Clair County Alabama | 1 | $ 191,000 | $ 191,000 | $ 72,000 |
| Collier County Florida | 1 | $ 80,000 | $ 80,000 | $ 196,000 |
| Flagler County Florida | 1 | $ 300,000 | $ 300,000 | $ 92,000 |
| Franklin County Florida | 1 | $ 750,000 | $ 750,000 | $ 2,346,000 |
| Lee County Florida | 1 | $ 150,000 | $ 150,000 | $ 90,000 |
| Sarasota County Florida | 1 | $ 210,000 | $ 210,000 | $ 793,000 |
| Sumter County Florida | 1 | $ 225,000 | $ 225,000 | $ 187,000 |
| Baldwin County Georgia | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Bibb County Georgia | 1 | $ 91,000 | $ 91,000 | $ 56,000 |
| DeKalb County Georgia | 1 | $ 564,000 | $ 564,000 | $ 0 |
| Effingham County Georgia | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Forsyth County Georgia | 1 | $ 152,000 | $ 152,000 | $ 68,000 |
| Lincoln County Georgia | 1 | $ 100,000 | $ 100,000 | $ 41,000 |
| Richmond County Georgia | 1 | $ 100,000 | $ 100,000 | $ 309,000 |
| Tattnall County Georgia | 1 | $ 112,000 | $ 112,000 | $ 53,000 |
| Ashe County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 89,000 |
| Carteret County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 200,000 |
| Clay County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 34,000 |
| Craven County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 39,000 |
| Dare County North Carolina | 1 | $ 218,000 | $ 218,000 | $ 68,000 |
| Davidson County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Duplin County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Forsyth County North Carolina | 1 | $ 128,000 | $ 128,000 | $ 75,000 |
| Graham County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 114,000 |
| Iredell County North Carolina | 1 | $ 334,000 | $ 334,000 | $ 106,000 |
| Moore County North Carolina | 1 | $ 199,000 | $ 199,000 | $ 212,000 |
| Pitt County North Carolina | 1 | $ 12,800,000 | $ 12,800,000 | $ 0 |
| Robeson County North Carolina | 1 | $ 103,000 | $ 103,000 | $ 42,000 |
| Rowan County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Swain County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 28,000 |
| Wilson County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 144,000 |
| Pike County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 31,000 |
| Barnwell County South Carolina | 1 | $ 16,000 | $ 16,000 | $ 24,000 |
| Hampton County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Saluda County South Carolina | 1 | $ 112,000 | $ 112,000 | $ 57,000 |
| Hamilton County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 45,000 |
| Sullivan County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 33,000 |
| Wayne County Tennessee | 1 | $ 118,000 | $ 118,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for Carolina First 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,677 | $435,538,000 | $190,333 | $12,800,000 | $82,500 | $5,000,000 |
| Refinancing | 2,075 | $325,238,000 | $157,333 | $1,950,000 | $85,500 | $6,000,000 |
| Home Improvement | 181 | $15,800,000 | $77,250 | $600,000 | $80,750 | $667,000 |
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 | 3,683 | $567,632,000 | $133,142 | $1,950,000 | $83,285 | $6,000,000 |
| Not Provided | 670 | $115,731,000 | $217,800 | $2,000,000 | $116,400 | $5,000,000 |
| Black or African American | 293 | $26,777,000 | $118,000 | $650,000 | $74,333 | $624,000 |
| Not applicable | 153 | $44,351,000 | $279,250 | $12,800,000 | $47,250 | $791,000 |
| Hispanic | 75 | $10,784,000 | $131,000 | $592,000 | $73,333 | $490,000 |
| Asian | 44 | $8,890,000 | $184,000 | $895,000 | $137,333 | $925,000 |
| American Indian or Alaskan Native | 9 | $1,428,000 | $128,666 | $290,000 | $70,333 | $199,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $983,000 | $153,500 | $312,000 | $104,500 | $164,000 |
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) | 4,708 | $750,957,000 | $162,250 | $12,800,000 | $76,125 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 132 | $13,151,000 | $120,000 | $209,000 | $48,250 | $229,000 |
| VA-guaranteed (Veterans Administration) | 93 | $12,468,000 | $170,000 | $323,000 | $95,750 | $418,000 |
| 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 | 2,919 | $466,580,000 | $189,333 | $12,800,000 | $113,166 | $6,000,000 |
| Application Denied By Financial Institution | 1,123 | $160,949,000 | $139,142 | $1,950,000 | $63,714 | $2,400,000 |
| Loan Purchased By The Institution | 619 | $107,073,000 | $207,250 | $1,600,000 | $178,750 | $1,711,000 |
| Application Withdrawn By Applicant | 151 | $24,452,000 | $166,750 | $916,000 | $171,250 | $2,400,000 |
| File Closed For Incompleteness | 66 | $8,974,000 | $156,750 | $725,000 | $88,500 | $580,000 |
| Application Approved But Not Accepted | 55 | $8,548,000 | $207,250 | $1,000,000 | $46,000 | $335,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 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 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.