Carolina National Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Carolina National Bank & Trust of Columbia, SC reported 79 mortgage applications totaling $7.5 million, up 49% from 2003. The average application was for $94,329, and applicants reported an average income of $193,126. 96% of its applications resulted in an originated loan and 4% were denied. Its largest market was Columbia, SC (78).
| Mortgage Company & Address | Carolina National Bank & Trust 1350 Main Street Columbia, SC 29201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 79 |
| Total Mortgage Loan Application Amount | $7,452,000 |
| Average Mortgage Loan Application Amount | $94,329 |
| Highest Mortgage Loan Application Amount | $657,000 |
| Average Applicant Income | $193,126 |
| Highest Applicant Income | $1,349,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Carolina National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Richland, South Carolina | 63 | $ 5,786,000 | $ 91,841 | $ 150,000 |
| Lexington, South Carolina | 13 | $ 955,000 | $ 73,461 | $ 82,000 |
| Beaufort, South Carolina | 1 | $ 355,000 | $ 355,000 | $ 731,000 |
| Calhoun, South Carolina | 1 | $ 311,000 | $ 311,000 | $ 324,000 |
| Fairfield, South Carolina | 1 | $ 45,000 | $ 45,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Carolina National Bank & Trust 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 | 44 | $2,816,000 | $64,000 | $355,000 | $251,000 | $1,349,000 |
| Refinancing | 32 | $4,502,000 | $140,000 | $657,000 | $119,000 | $577,000 |
| Home Improvement | 3 | $134,000 | $44,000 | $90,000 | $135,000 | $201,000 |
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 | 40 | $4,426,000 | $110,000 | $657,000 | $136,000 | $577,000 |
| Not applicable | 34 | $2,719,000 | $79,000 | $355,000 | $287,000 | $1,349,000 |
| Black or African American | 2 | $194,000 | $97,000 | $189,000 | $36,000 | $39,000 |
| Asian | 1 | $23,000 | $23,000 | $23,000 | $34,000 | $34,000 |
| Not Provided | 1 | $60,000 | $60,000 | $60,000 | $69,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $30,000 | $30,000 | $30,000 | $64,000 | $64,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 79 | $7,452,000 | $94,000 | $657,000 | $171,000 | $1,349,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 76 | $7,235,000 | $95,000 | $657,000 | $191,000 | $1,349,000 |
| Application Denied By Financial Institution | 3 | $217,000 | $72,000 | $189,000 | $35,000 | $39,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $217,000 | $72,000 | $189,000 | $35,000 | $39,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Carolina National Bank & Trust'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 National Bank & Trust'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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