Carolina First Bank Mortgage Lending & HMDA Data, 2010
In 2010, Carolina First Bank of Greenville, SC reported 2,704 mortgage applications totaling $512.3 million. The average application was for $189,462, and applicants reported an average income of $102,896. 56% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (301), Columbia, SC (212) and Asheville, NC (200) (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 | 2010 |
| Total Number of Mortgage Applications | 2,704 |
| Total Mortgage Loan Application Amount | $512,306,000 |
| Average Mortgage Loan Application Amount | $189,462 |
| Highest Mortgage Loan Application Amount | $7,500,000 |
| Average Applicant Income | $102,896 |
| 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Act (HMDA) records Carolina First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Orlando-Kissimmee-Sanford, FL | 301 | $ 53,481,000 | $ 177,677 | $ 90,000 |
| Columbia, SC | 212 | $ 37,113,000 | $ 175,061 | $ 86,000 |
| Asheville, NC | 200 | $ 40,014,000 | $ 200,070 | $ 90,000 |
| Tampa-St. Petersburg-Clearwater, FL | 198 | $ 35,157,000 | $ 177,560 | $ 82,000 |
| Greenville-Mauldin-Easley, SC | 189 | $ 32,339,000 | $ 171,105 | $ 80,000 |
| Jacksonville, FL | 165 | $ 31,510,000 | $ 190,969 | $ 101,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 137 | $ 25,898,000 | $ 189,036 | $ 188,000 |
| Ocala, FL | 90 | $ 11,313,000 | $ 125,700 | $ 65,000 |
| Charleston-North Charleston-Summerville, SC | 85 | $ 22,382,000 | $ 263,317 | $ 157,000 |
| Augusta-Richmond County, GA-SC | 76 | $ 10,745,000 | $ 141,381 | $ 75,921 |
| Gainesville, FL | 71 | $ 16,992,000 | $ 239,323 | $ 141,000 |
| Miami-Miami Beach-Kendall, FL | 69 | $ 23,709,000 | $ 343,608 | $ 194,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 56 | $ 9,476,000 | $ 169,214 | $ 71,428 |
| Spartanburg, SC | 47 | $ 9,043,000 | $ 192,404 | $ 73,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 44 | $ 11,993,000 | $ 272,568 | $ 109,000 |
| Wilmington, NC | 44 | $ 10,207,000 | $ 231,977 | $ 125,000 |
| Anderson, SC | 42 | $ 5,856,000 | $ 139,428 | $ 86,000 |
| Florence, SC | 33 | $ 4,534,000 | $ 137,393 | $ 53,000 |
| Lakeland-Winter Haven, FL | 23 | $ 2,207,000 | $ 95,956 | $ 83,000 |
| Hickory-Lenoir-Morganton, NC | 19 | $ 2,844,000 | $ 149,684 | $ 97,000 |
| Palm Coast, FL | 11 | $ 3,147,000 | $ 286,090 | $ 95,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 11 | $ 3,011,000 | $ 273,727 | $ 116,000 |
| Jacksonville, NC | 10 | $ 1,162,000 | $ 116,200 | $ 89,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 1,256,000 | $ 139,555 | $ 127,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 1,241,000 | $ 137,888 | $ 79,000 |
| Atlanta-Sandy Springs-Marietta, GA | 8 | $ 1,829,000 | $ 228,625 | $ 100,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 290,000 | $ 72,500 | $ 103,000 |
| Port St. Lucie, FL | 4 | $ 1,282,000 | $ 320,500 | $ 75,000 |
| Durham-Chapel Hill, NC | 2 | $ 397,000 | $ 198,500 | $ 106,000 |
| Greensboro-High Point, NC | 2 | $ 239,000 | $ 119,500 | $ 21,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 1,286,000 | $ 643,000 | $ 1,059,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 372,000 | $ 372,000 | $ 134,000 |
| Raleigh-Cary, NC | 1 | $ 313,000 | $ 313,000 | $ 145,000 |
| Richmond, VA | 1 | $ 113,000 | $ 113,000 | $ 148,000 |
| Rocky Mount, NC | 1 | $ 71,000 | $ 71,000 | $ 20,000 |
| Tallahassee, FL | 1 | $ 417,000 | $ 417,000 | $ 179,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Carolina First Bank in 2010
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 | 1,334 | $284,010,000 | $212,000 | $7,500,000 | $118,000 | $9,999,000 |
| Home Purchase | 1,333 | $226,004,000 | $169,000 | $5,000,000 | $89,000 | $3,704,000 |
| Home Improvement | 37 | $2,292,000 | $61,000 | $300,000 | $59,000 | $195,000 |
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 | 1,985 | $368,907,000 | $185,000 | $2,195,000 | $115,000 | $9,999,000 |
| Hispanic | 206 | $39,895,000 | $193,000 | $7,500,000 | $90,000 | $3,704,000 |
| Not Provided | 155 | $35,627,000 | $229,000 | $5,000,000 | $103,000 | $2,898,000 |
| Black or African American | 137 | $17,957,000 | $131,000 | $520,000 | $53,000 | $233,000 |
| Not applicable | 110 | $32,661,000 | $296,000 | $2,800,000 | $0 | $0 |
| Asian | 98 | $14,787,000 | $150,000 | $400,000 | $73,000 | $320,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,948,000 | $243,000 | $960,000 | $111,000 | $352,000 |
| American Indian or Alaskan Native | 5 | $524,000 | $104,000 | $187,000 | $44,000 | $77,000 |
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) | 2,049 | $415,846,000 | $202,000 | $7,500,000 | $118,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 586 | $82,865,000 | $141,000 | $407,000 | $53,000 | $350,000 |
| VA-guaranteed (Veterans Administration) | 69 | $13,595,000 | $197,000 | $429,000 | $63,000 | $205,000 |
| 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 | 1,502 | $278,557,000 | $185,000 | $2,800,000 | $110,000 | $9,999,000 |
| Application Denied By Financial Institution | 612 | $110,541,000 | $180,000 | $2,195,000 | $78,000 | $1,680,000 |
| File Closed For Incompleteness | 521 | $110,820,000 | $212,000 | $7,500,000 | $105,000 | $3,026,000 |
| Application Approved But Not Accepted | 35 | $5,688,000 | $162,000 | $624,000 | $74,000 | $236,000 |
| Application Withdrawn By Applicant | 34 | $6,700,000 | $197,000 | $600,000 | $212,000 | $3,704,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2010 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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