Carolina First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Carolina First Bank 2005 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 | 5,591 |
| Total Mortgage Loan Application Amount | $1,017,994,000 |
| Average Mortgage Loan Application Amount | $309,692 |
| Highest Mortgage Loan Application Amount | $2,675,000 |
| Average Applicant Income | $84,076 |
| Highest Applicant Income | $3,588,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 590 | $ 100,838,000 | $ 170,000 | $ 117,000 |
| Richland County South Carolina | 518 | $ 80,574,000 | $ 155,000 | $ 73,000 |
| Greenville County South Carolina | 403 | $ 72,193,000 | $ 179,000 | $ 80,000 |
| Charleston County South Carolina | 230 | $ 78,309,000 | $ 340,000 | $ 112,000 |
| Buncombe County North Carolina | 216 | $ 40,864,000 | $ 189,000 | $ 105,000 |
| Henderson County North Carolina | 213 | $ 29,715,000 | $ 139,000 | $ 66,000 |
| Anderson County South Carolina | 191 | $ 21,703,000 | $ 113,000 | $ 56,000 |
| Lexington County South Carolina | 179 | $ 26,777,000 | $ 149,000 | $ 60,000 |
| Georgetown County South Carolina | 164 | $ 33,305,000 | $ 203,000 | $ 106,000 |
| Beaufort County South Carolina | 146 | $ 43,864,000 | $ 300,000 | $ 151,000 |
| Florence County South Carolina | 112 | $ 13,676,000 | $ 122,000 | $ 65,000 |
| Rutherford County North Carolina | 107 | $ 15,307,000 | $ 143,000 | $ 62,000 |
| Cleveland County North Carolina | 104 | $ 10,275,000 | $ 98,000 | $ 91,000 |
| Orange County Florida | 99 | $ 21,863,000 | $ 220,000 | $ 90,000 |
| Pickens County South Carolina | 96 | $ 15,312,000 | $ 159,000 | $ 104,000 |
| York County South Carolina | 90 | $ 14,012,000 | $ 155,000 | $ 131,000 |
| Duval County Florida | 87 | $ 21,891,000 | $ 251,000 | $ 106,000 |
| Baker County Florida | 81 | $ 12,049,000 | $ 148,000 | $ 55,000 |
| Aiken County South Carolina | 75 | $ 10,827,000 | $ 144,000 | $ 84,000 |
| Berkeley County South Carolina | 73 | $ 10,527,000 | $ 144,000 | $ 69,000 |
| Alachua County Florida | 69 | $ 16,675,000 | $ 241,000 | $ 93,000 |
| Kershaw County South Carolina | 62 | $ 10,265,000 | $ 165,000 | $ 74,000 |
| McDowell County North Carolina | 60 | $ 7,913,000 | $ 131,000 | $ 58,000 |
| Mecklenburg County North Carolina | 58 | $ 15,577,000 | $ 268,000 | $ 111,000 |
| Haywood County North Carolina | 56 | $ 8,850,000 | $ 158,000 | $ 71,000 |
| Pinellas County Florida | 51 | $ 11,645,000 | $ 228,000 | $ 109,000 |
| Yancey County North Carolina | 51 | $ 10,072,000 | $ 197,000 | $ 157,000 |
| Spartanburg County South Carolina | 50 | $ 6,313,000 | $ 126,000 | $ 50,000 |
| Mitchell County North Carolina | 49 | $ 5,249,000 | $ 107,000 | $ 73,000 |
| Laurens County South Carolina | 48 | $ 3,659,000 | $ 76,000 | $ 61,000 |
| Marion County South Carolina | 45 | $ 3,924,000 | $ 87,000 | $ 53,000 |
| Citrus County Florida | 42 | $ 6,196,000 | $ 147,000 | $ 69,000 |
| Clay County Florida | 41 | $ 8,768,000 | $ 213,000 | $ 63,000 |
| Marion County Florida | 41 | $ 12,420,000 | $ 302,000 | $ 251,000 |
| Seminole County Florida | 41 | $ 6,989,000 | $ 170,000 | $ 61,000 |
| Polk County North Carolina | 41 | $ 8,563,000 | $ 208,000 | $ 138,000 |
| Suwannee County Florida | 39 | $ 4,360,000 | $ 111,000 | $ 50,000 |
| Edgefield County South Carolina | 38 | $ 4,500,000 | $ 118,000 | $ 80,000 |
| Hillsborough County Florida | 37 | $ 10,330,000 | $ 279,000 | $ 125,000 |
| Columbia County Florida | 35 | $ 5,743,000 | $ 164,000 | $ 81,000 |
| St. Johns County Florida | 32 | $ 9,233,000 | $ 288,000 | $ 199,000 |
| New Hanover County North Carolina | 32 | $ 6,614,000 | $ 206,000 | $ 87,000 |
| Pender County North Carolina | 29 | $ 4,867,000 | $ 167,000 | $ 64,000 |
| Greenwood County South Carolina | 29 | $ 2,029,000 | $ 69,000 | $ 60,000 |
| Transylvania County North Carolina | 27 | $ 8,354,000 | $ 309,000 | $ 108,000 |
| Palm Beach County Florida | 26 | $ 12,042,000 | $ 463,000 | $ 220,000 |
| Pasco County Florida | 26 | $ 5,661,000 | $ 217,000 | $ 76,000 |
| Jackson County North Carolina | 26 | $ 5,496,000 | $ 211,000 | $ 70,000 |
| Dorchester County South Carolina | 25 | $ 3,645,000 | $ 145,000 | $ 49,000 |
| Broward County Florida | 24 | $ 9,481,000 | $ 395,000 | $ 185,000 |
| Miami-Dade County Florida | 24 | $ 8,928,000 | $ 372,000 | $ 202,000 |
| Putnam County Florida | 24 | $ 2,968,000 | $ 123,000 | $ 64,000 |
| Oconee County South Carolina | 24 | $ 5,324,000 | $ 221,000 | $ 88,000 |
| Sarasota County Florida | 23 | $ 7,402,000 | $ 321,000 | $ 136,000 |
| Macon County North Carolina | 23 | $ 3,852,000 | $ 167,000 | $ 69,000 |
| Onslow County North Carolina | 22 | $ 2,967,000 | $ 134,000 | $ 120,000 |
| Darlington County South Carolina | 21 | $ 1,929,000 | $ 91,000 | $ 70,000 |
| Gaston County North Carolina | 19 | $ 2,583,000 | $ 135,000 | $ 108,000 |
| Burke County North Carolina | 17 | $ 1,868,000 | $ 109,000 | $ 49,000 |
| Osceola County Florida | 16 | $ 2,173,000 | $ 135,000 | $ 76,000 |
| Brunswick County North Carolina | 15 | $ 4,315,000 | $ 287,000 | $ 161,000 |
| Madison County North Carolina | 14 | $ 2,399,000 | $ 171,000 | $ 76,000 |
| Polk County Florida | 13 | $ 2,048,000 | $ 157,000 | $ 40,000 |
| Newberry County South Carolina | 13 | $ 1,601,000 | $ 123,000 | $ 78,000 |
| Bradford County Florida | 12 | $ 1,929,000 | $ 160,000 | $ 75,000 |
| Lake County Florida | 12 | $ 2,812,000 | $ 234,000 | $ 104,000 |
| Manatee County Florida | 12 | $ 4,073,000 | $ 339,000 | $ 110,000 |
| Union County Florida | 12 | $ 1,432,000 | $ 119,000 | $ 45,000 |
| Sumter County South Carolina | 12 | $ 1,352,000 | $ 112,000 | $ 50,000 |
| Volusia County Florida | 11 | $ 1,525,000 | $ 138,000 | $ 68,000 |
| Lee County Florida | 10 | $ 2,440,000 | $ 244,000 | $ 78,000 |
| Iredell County North Carolina | 10 | $ 2,573,000 | $ 257,000 | $ 166,000 |
| Nassau County Florida | 8 | $ 1,744,000 | $ 218,000 | $ 75,000 |
| Lincoln County North Carolina | 8 | $ 496,000 | $ 62,000 | $ 133,000 |
| Abbeville County South Carolina | 8 | $ 460,000 | $ 57,000 | $ 67,000 |
| Colleton County South Carolina | 8 | $ 2,518,000 | $ 314,000 | $ 120,000 |
| Marlboro County South Carolina | 8 | $ 432,000 | $ 54,000 | $ 63,000 |
| Catawba County North Carolina | 7 | $ 2,031,000 | $ 290,000 | $ 169,000 |
| Union County North Carolina | 7 | $ 3,106,000 | $ 443,000 | $ 175,000 |
| Columbia County Georgia | 6 | $ 1,259,000 | $ 209,000 | $ 150,000 |
| Fulton County Georgia | 6 | $ 1,004,000 | $ 167,000 | $ 113,000 |
| Clarendon County South Carolina | 6 | $ 866,000 | $ 144,000 | $ 121,000 |
| Williamsburg County South Carolina | 6 | $ 1,212,000 | $ 202,000 | $ 138,000 |
| Hernando County Florida | 5 | $ 637,000 | $ 127,000 | $ 63,000 |
| Avery County North Carolina | 5 | $ 406,000 | $ 81,000 | $ 98,000 |
| Cabarrus County North Carolina | 5 | $ 610,000 | $ 122,000 | $ 78,000 |
| Fairfield County South Carolina | 5 | $ 1,353,000 | $ 270,000 | $ 142,000 |
| Orangeburg County South Carolina | 5 | $ 689,000 | $ 137,000 | $ 85,000 |
| Collier County Florida | 4 | $ 824,000 | $ 206,000 | $ 234,000 |
| Flagler County Florida | 4 | $ 995,000 | $ 248,000 | $ 108,000 |
| Chatham County Georgia | 4 | $ 586,000 | $ 146,000 | $ 64,000 |
| Carteret County North Carolina | 4 | $ 615,000 | $ 153,000 | $ 207,000 |
| Swain County North Carolina | 4 | $ 566,000 | $ 141,000 | $ 0 |
| Charlotte County Florida | 3 | $ 513,000 | $ 171,000 | $ 58,000 |
| Leon County Florida | 3 | $ 727,000 | $ 242,000 | $ 84,000 |
| Sumter County Florida | 3 | $ 305,000 | $ 101,000 | $ 80,000 |
| Gilmer County Georgia | 3 | $ 424,000 | $ 141,000 | $ 59,000 |
| Laurens County Georgia | 3 | $ 251,000 | $ 83,000 | $ 33,000 |
| Stephens County Georgia | 3 | $ 469,000 | $ 156,000 | $ 15,000 |
| Craven County North Carolina | 3 | $ 315,000 | $ 105,000 | $ 39,000 |
| Barnwell County South Carolina | 3 | $ 461,000 | $ 153,000 | $ 152,000 |
| Chester County South Carolina | 3 | $ 265,000 | $ 88,000 | $ 111,000 |
| Lancaster County South Carolina | 3 | $ 329,000 | $ 109,000 | $ 41,000 |
| Lee County South Carolina | 3 | $ 357,000 | $ 119,000 | $ 57,000 |
| Saluda County South Carolina | 3 | $ 54,000 | $ 18,000 | $ 28,000 |
| Brevard County Florida | 2 | $ 418,000 | $ 209,000 | $ 83,000 |
| Dixie County Florida | 2 | $ 211,000 | $ 105,000 | $ 117,000 |
| Hamilton County Florida | 2 | $ 303,000 | $ 151,000 | $ 46,000 |
| Highlands County Florida | 2 | $ 204,000 | $ 102,000 | $ 40,000 |
| Levy County Florida | 2 | $ 106,000 | $ 53,000 | $ 27,000 |
| St. Lucie County Florida | 2 | $ 619,000 | $ 309,000 | $ 64,000 |
| Cobb County Georgia | 2 | $ 324,000 | $ 162,000 | $ 123,000 |
| Alexander County North Carolina | 2 | $ 1,326,000 | $ 663,000 | $ 316,000 |
| Ashe County North Carolina | 2 | $ 123,000 | $ 61,000 | $ 91,000 |
| Duplin County North Carolina | 2 | $ 75,000 | $ 37,000 | $ 47,000 |
| Orange County North Carolina | 2 | $ 469,000 | $ 234,000 | $ 21,000 |
| Pitt County North Carolina | 2 | $ 464,000 | $ 232,000 | $ 100,000 |
| Wake County North Carolina | 2 | $ 562,000 | $ 281,000 | $ 62,000 |
| Calhoun County South Carolina | 2 | $ 310,000 | $ 155,000 | $ 86,000 |
| Cherokee County South Carolina | 2 | $ 161,000 | $ 80,000 | $ 50,000 |
| Dillon County South Carolina | 2 | $ 209,000 | $ 104,000 | $ 38,000 |
| Jasper County South Carolina | 2 | $ 924,000 | $ 462,000 | $ 203,000 |
| McCormick County South Carolina | 2 | $ 438,000 | $ 219,000 | $ 142,000 |
| Eagle County Colorado | 1 | $ 602,000 | $ 602,000 | $ 130,000 |
| Hendry County Florida | 1 | $ 106,000 | $ 106,000 | $ 33,000 |
| Indian River County Florida | 1 | $ 167,000 | $ 167,000 | $ 84,000 |
| Lafayette County Florida | 1 | $ 119,000 | $ 119,000 | $ 25,000 |
| Liberty County Florida | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Martin County Florida | 1 | $ 150,000 | $ 150,000 | $ 130,000 |
| Okaloosa County Florida | 1 | $ 76,000 | $ 76,000 | $ 27,000 |
| Taylor County Florida | 1 | $ 89,000 | $ 89,000 | $ 33,000 |
| Bibb County Georgia | 1 | $ 120,000 | $ 120,000 | $ 85,000 |
| Charlton County Georgia | 1 | $ 151,000 | $ 151,000 | $ 57,000 |
| DeKalb County Georgia | 1 | $ 184,000 | $ 184,000 | $ 99,000 |
| Effingham County Georgia | 1 | $ 200,000 | $ 200,000 | $ 100,000 |
| Gwinnett County Georgia | 1 | $ 58,000 | $ 58,000 | $ 18,000 |
| Houston County Georgia | 1 | $ 64,000 | $ 64,000 | $ 32,000 |
| Muscogee County Georgia | 1 | $ 71,000 | $ 71,000 | $ 54,000 |
| Richmond County Georgia | 1 | $ 300,000 | $ 300,000 | $ 147,000 |
| Rockdale County Georgia | 1 | $ 131,000 | $ 131,000 | $ 71,000 |
| Towns County Georgia | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Union County Georgia | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Alamance County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Alleghany County North Carolina | 1 | $ 260,000 | $ 260,000 | $ 282,000 |
| Clay County North Carolina | 1 | $ 143,000 | $ 143,000 | $ 67,000 |
| Columbus County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 46,000 |
| Davie County North Carolina | 1 | $ 78,000 | $ 78,000 | $ 30,000 |
| Durham County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Forsyth County North Carolina | 1 | $ 93,000 | $ 93,000 | $ 35,000 |
| Hoke County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 40,000 |
| Moore County North Carolina | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Pasquotank County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 19,000 |
| Rockingham County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 103,000 |
| Surry County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 46,000 |
| Vance County North Carolina | 1 | $ 122,000 | $ 122,000 | $ 43,000 |
| Washington County Tennessee | 1 | $ 1,594,000 | $ 1,594,000 | $ 0 |
Mortgage Loan Application Detail Totals for Carolina First Bank in 2005
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 | 3,427 | $615,239,000 | $177,500 | $2,500,000 | $90,500 | $3,588,000 |
| Refinancing | 2,053 | $394,455,000 | $490,333 | $2,675,000 | $82,833 | $2,400,000 |
| Home Improvement | 111 | $8,300,000 | $124,666 | $425,000 | $78,000 | $550,000 |
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 | 4,053 | $760,788,000 | $263,400 | $2,675,000 | $94,000 | $3,523,000 |
| Not Provided | 851 | $150,673,000 | $193,000 | $1,500,000 | $94,750 | $3,588,000 |
| Black or African American | 347 | $38,155,000 | $133,333 | $1,000,000 | $72,333 | $456,000 |
| Hispanic | 162 | $29,862,000 | $178,250 | $1,785,000 | $81,750 | $1,279,000 |
| Not applicable | 91 | $17,172,000 | $567,500 | $1,594,000 | $165,500 | $1,013,000 |
| Asian | 71 | $17,540,000 | $212,000 | $900,000 | $126,750 | $820,000 |
| American Indian or Alaskan Native | 11 | $3,146,000 | $233,750 | $1,240,000 | $99,750 | $872,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $658,000 | $125,666 | $162,000 | $39,000 | $53,000 |
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) | 5,304 | $984,185,000 | $487,333 | $2,675,000 | $84,000 | $3,588,000 |
| FHA-insured (Federal Housing Administration) | 211 | $22,995,000 | $114,000 | $193,000 | $41,333 | $145,000 |
| VA-guaranteed (Veterans Administration) | 76 | $10,814,000 | $143,000 | $320,000 | $46,333 | $160,000 |
| 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 | 3,028 | $542,414,000 | $486,500 | $2,675,000 | $83,333 | $2,400,000 |
| Application Denied By Financial Institution | 1,010 | $145,333,000 | $157,750 | $1,521,000 | $67,500 | $975,000 |
| Loan Purchased By The Institution | 960 | $215,363,000 | $176,000 | $2,500,000 | $133,000 | $3,523,000 |
| Application Withdrawn By Applicant | 230 | $52,595,000 | $222,000 | $1,855,000 | $95,500 | $864,000 |
| File Closed For Incompleteness | 209 | $37,494,000 | $163,000 | $1,785,000 | $68,750 | $660,000 |
| Application Approved But Not Accepted | 154 | $24,795,000 | $159,500 | $1,000,000 | $128,000 | $3,588,000 |
| 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 2005 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.