Carolina National Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Carolina National Bank & Trust of Columbia, SC reported 98 mortgage applications totaling $11.0 million, up 42% from 2005. The average application was for $112,285, and applicants reported an average income of $153,469. 98% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Columbia, SC (72), Sumter, SC (5) and Charleston-North Charleston, SC (3) (applications in parentheses).
| 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 | 98 |
| Total Mortgage Loan Application Amount | $11,004,000 |
| Average Mortgage Loan Application Amount | $112,285 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $153,469 |
| Highest Applicant Income | $767,000 |
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records Carolina National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 51 | $ 4,948,000 | $ 97,019 | $ 140,000 |
| Lexington, South Carolina | 17 | $ 2,223,000 | $ 130,764 | $ 170,000 |
| Beaufort, South Carolina | 5 | $ 235,000 | $ 47,000 | $ 169,000 |
| Sumter, South Carolina | 5 | $ 431,000 | $ 86,200 | $ 52,000 |
| Kershaw, South Carolina | 3 | $ 164,000 | $ 54,666 | $ 129,000 |
| Spartanburg, South Carolina | 3 | $ 199,000 | $ 66,333 | $ 64,000 |
| Sevier, Tennessee | 3 | $ 273,000 | $ 91,000 | $ 0 |
| Charleston, South Carolina | 2 | $ 724,000 | $ 362,000 | $ 124,000 |
| Fulton, Georgia | 1 | $ 300,000 | $ 300,000 | $ 103,000 |
| Berkeley, South Carolina | 1 | $ 141,000 | $ 141,000 | $ 459,000 |
| Georgetown, South Carolina | 1 | $ 800,000 | $ 800,000 | $ 767,000 |
| Greenville, South Carolina | 1 | $ 99,000 | $ 99,000 | $ 83,000 |
| Horry, South Carolina | 1 | $ 250,000 | $ 250,000 | $ 585,000 |
| Laurens, South Carolina | 1 | $ 30,000 | $ 30,000 | $ 88,000 |
| Newberry, South Carolina | 1 | $ 59,000 | $ 59,000 | $ 324,000 |
| Orangeburg, South Carolina | 1 | $ 72,000 | $ 72,000 | $ 454,000 |
| Saluda, South Carolina | 1 | $ 56,000 | $ 56,000 | $ 203,000 |
Mortgage Loan Application Detail Totals for Carolina National Bank & Trust 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 | 87 | $9,463,000 | $108,000 | $577,000 | $147,000 | $585,000 |
| Home Improvement | 9 | $597,000 | $66,000 | $240,000 | $129,000 | $411,000 |
| Refinancing | 2 | $944,000 | $472,000 | $800,000 | $545,000 | $767,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 49 | $6,038,000 | $123,000 | $800,000 | $153,000 | $767,000 |
| White | 39 | $4,401,000 | $112,000 | $577,000 | $153,000 | $454,000 |
| Black or African American | 8 | $462,000 | $57,000 | $131,000 | $175,000 | $362,000 |
| Asian | 2 | $103,000 | $51,000 | $75,000 | $86,000 | $155,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 98 | $11,004,000 | $112,000 | $800,000 | $153,000 | $767,000 |
| 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 | 96 | $10,962,000 | $114,000 | $800,000 | $156,000 | $767,000 |
| Application Denied By Financial Institution | 2 | $42,000 | $21,000 | $32,000 | $43,000 | $68,000 |
| 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 | 1 | $32,000 | $32,000 | $32,000 | $68,000 | $68,000 |
| Debt-To-Income Ratio | 1 | $10,000 | $10,000 | $10,000 | $19,000 | $19,000 |
| 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 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 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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