Carolina First Bank Mortgage Lending & HMDA Data, 2006
In 2006, Carolina First Bank of Greenville, SC reported 5,321 mortgage applications totaling $1.1 billion, down 5% from 2005. The average application was for $213,783, and applicants reported an average income of $124,139. 52% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Columbia, SC (667), Asheville, NC (579) and Myrtle Beach-Conway-North Myrtle Beach, SC (557) (applications in parentheses).
| 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 | 5,321 |
| Total Mortgage Loan Application Amount | $1,137,544,000 |
| Average Mortgage Loan Application Amount | $213,783 |
| Highest Mortgage Loan Application Amount | $65,600,000 |
| Average Applicant Income | $124,139 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Carolina First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Columbia, SC | 667 | $ 171,704,000 | $ 257,427 | $ 90,000 |
| Asheville, NC | 579 | $ 119,461,000 | $ 206,322 | $ 127,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 557 | $ 109,154,000 | $ 195,967 | $ 139,000 |
| Greenville, SC | 545 | $ 81,330,000 | $ 149,229 | $ 92,000 |
| Charleston-North Charleston, SC | 232 | $ 74,510,000 | $ 321,163 | $ 155,000 |
| Jacksonville, FL | 231 | $ 44,646,000 | $ 193,272 | $ 104,000 |
| Charlotte-Gastonia-Concord, NC-SC | 175 | $ 27,981,000 | $ 159,891 | $ 120,588 |
| Anderson, SC | 165 | $ 18,205,000 | $ 110,333 | $ 100,000 |
| Tampa-St. Petersburg-Clearwater, FL | 141 | $ 39,922,000 | $ 283,134 | $ 135,000 |
| Florence, SC | 119 | $ 13,638,000 | $ 114,605 | $ 70,000 |
| Wilmington, NC | 114 | $ 24,103,000 | $ 211,429 | $ 131,000 |
| Orlando-Kissimmee, FL | 110 | $ 33,489,000 | $ 304,445 | $ 111,000 |
| Augusta-Richmond County, GA-SC | 107 | $ 17,515,000 | $ 163,691 | $ 81,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 49 | $ 32,898,000 | $ 671,387 | $ 617,000 |
| Spartanburg, SC | 48 | $ 8,707,000 | $ 181,395 | $ 86,000 |
| Gainesville, FL | 40 | $ 9,820,000 | $ 245,500 | $ 162,000 |
| Cape Coral-Fort Myers, FL | 34 | $ 5,478,000 | $ 161,117 | $ 56,000 |
| Hickory-Lenoir-Morganton, NC | 33 | $ 8,245,000 | $ 249,848 | $ 126,000 |
| Ocala, FL | 30 | $ 11,892,000 | $ 396,400 | $ 143,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 25 | $ 6,618,000 | $ 264,720 | $ 102,000 |
| Jacksonville, NC | 23 | $ 3,710,000 | $ 161,304 | $ 149,000 |
| Lakeland, FL | 23 | $ 3,150,000 | $ 136,956 | $ 50,000 |
| Miami-Miami Beach-Kendall, FL | 23 | $ 11,216,000 | $ 487,652 | $ 750,000 |
| Sumter, SC | 16 | $ 2,014,000 | $ 125,875 | $ 57,000 |
| Sarasota-Bradenton-Venice, FL | 11 | $ 5,588,000 | $ 508,000 | $ 176,000 |
| Naples-Marco Island, FL | 6 | $ 848,000 | $ 141,333 | $ 41,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,011,000 | $ 202,200 | $ 138,000 |
| Port St. Lucie-Fort Pierce, FL | 5 | $ 2,271,000 | $ 454,200 | $ 306,000 |
| Punta Gorda, FL | 5 | $ 995,000 | $ 199,000 | $ 75,000 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 1,166,000 | $ 291,500 | $ 82,000 |
| Greensboro-High Point, NC | 4 | $ 361,000 | $ 90,250 | $ 69,000 |
| Durham, NC | 3 | $ 547,000 | $ 182,333 | $ 102,000 |
| Savannah, GA | 3 | $ 932,000 | $ 310,666 | $ 219,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 273,000 | $ 136,500 | $ 48,000 |
| Raleigh-Cary, NC | 2 | $ 389,000 | $ 194,500 | $ 25,000 |
| Winston-Salem, NC | 2 | $ 388,000 | $ 194,000 | $ 119,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 135,000 | $ 67,500 | $ 250,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Danville, VA | 1 | $ 1,500,000 | $ 1,500,000 | $ 300,000 |
| Fayetteville, NC | 1 | $ 54,000 | $ 54,000 | $ 41,000 |
| Gainesville, GA | 1 | $ 493,000 | $ 493,000 | $ 250,000 |
| Greenville, NC | 1 | $ 90,000 | $ 90,000 | $ 275,000 |
| Rocky Mount, NC | 1 | $ 31,000 | $ 31,000 | $ 89,000 |
| Valdosta, GA | 1 | $ 648,000 | $ 648,000 | $ 321,000 |
Mortgage Loan Application Detail Totals for Carolina First Bank in 2006
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 | 2,897 | $631,848,000 | $218,000 | $65,600,000 | $123,000 | $9,999,000 |
| Refinancing | 2,264 | $497,342,000 | $219,000 | $3,360,000 | $129,000 | $3,480,000 |
| Home Improvement | 160 | $8,354,000 | $52,000 | $974,000 | $76,000 | $1,000,000 |
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 | 3,495 | $731,839,000 | $209,000 | $4,072,000 | $130,000 | $9,999,000 |
| Not Provided | 1,155 | $222,302,000 | $192,000 | $2,000,000 | $109,000 | $1,164,000 |
| Black or African American | 322 | $41,075,000 | $127,000 | $825,000 | $58,000 | $540,000 |
| Not applicable | 167 | $106,156,000 | $635,000 | $65,600,000 | $265,000 | $2,297,000 |
| Hispanic | 127 | $26,277,000 | $206,000 | $1,287,000 | $98,000 | $900,000 |
| Asian | 42 | $8,153,000 | $194,000 | $680,000 | $129,000 | $2,400,000 |
| American Indian or Alaskan Native | 8 | $1,211,000 | $151,000 | $417,000 | $52,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $531,000 | $106,000 | $236,000 | $48,000 | $72,000 |
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) | 4,940 | $1,091,675,000 | $220,000 | $65,600,000 | $130,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 293 | $32,726,000 | $111,000 | $205,000 | $46,000 | $420,000 |
| VA-guaranteed (Veterans Administration) | 88 | $13,143,000 | $149,000 | $408,000 | $50,000 | $131,000 |
| 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 | 2,785 | $619,105,000 | $222,000 | $65,600,000 | $136,000 | $9,999,000 |
| Application Denied By Financial Institution | 1,012 | $162,567,000 | $160,000 | $2,875,000 | $89,000 | $2,720,000 |
| Loan Purchased By The Institution | 898 | $235,510,000 | $262,000 | $4,072,000 | $154,000 | $7,016,000 |
| File Closed For Incompleteness | 244 | $49,257,000 | $201,000 | $1,180,000 | $86,000 | $732,000 |
| Application Approved But Not Accepted | 199 | $20,733,000 | $104,000 | $744,000 | $84,000 | $429,000 |
| Application Withdrawn By Applicant | 183 | $50,372,000 | $275,000 | $1,950,000 | $86,000 | $770,000 |
| 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 2006 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About