First Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2014
In 2014, First Citizens Bank & Trust Co of Columbia, SC reported 5,876 mortgage applications totaling $985.2 million, down 35% from 2013. The average application was for $167,666, and applicants reported an average income of $94,449. 63% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Columbia, SC (1,029), Charleston-North Charleston, SC (661) and Greenville-Anderson-Mauldin, SC (607) (applications in parentheses).
| Mortgage Company & Address | First Citizens Bank & Trust Co 1230 Main Street Columbia, SC 29201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,876 |
| Total Mortgage Loan Application Amount | $985,209,000 |
| Average Mortgage Loan Application Amount | $167,666 |
| Highest Mortgage Loan Application Amount | $3,100,000 |
| Average Applicant Income | $94,449 |
| Highest Applicant Income | $1,644,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 487 | $ 76,636,000 | $ 157,363 | $ 95,000 |
| Charleston, South Carolina | 428 | $ 116,271,000 | $ 271,661 | $ 117,000 |
| Spartanburg, South Carolina | 340 | $ 44,461,000 | $ 130,767 | $ 76,000 |
| Lexington, South Carolina | 337 | $ 51,621,000 | $ 153,178 | $ 76,000 |
| Greenville, South Carolina | 295 | $ 61,327,000 | $ 207,888 | $ 122,000 |
| Horry, South Carolina | 232 | $ 39,769,000 | $ 171,418 | $ 92,000 |
| Orangeburg, South Carolina | 209 | $ 23,715,000 | $ 113,468 | $ 71,000 |
| York, South Carolina | 188 | $ 32,743,000 | $ 174,164 | $ 91,000 |
| Florence, South Carolina | 165 | $ 17,125,000 | $ 103,787 | $ 68,000 |
| Darlington, South Carolina | 157 | $ 22,137,000 | $ 141,000 | $ 79,000 |
| Sumter, South Carolina | 156 | $ 18,822,000 | $ 120,653 | $ 91,000 |
| Chesterfield, South Carolina | 154 | $ 15,041,000 | $ 97,668 | $ 63,000 |
| Anderson, South Carolina | 147 | $ 22,755,000 | $ 154,795 | $ 109,000 |
| Berkeley, South Carolina | 141 | $ 30,074,000 | $ 213,290 | $ 97,000 |
| Aiken, South Carolina | 129 | $ 18,769,000 | $ 145,496 | $ 84,000 |
| Pickens, South Carolina | 123 | $ 16,448,000 | $ 133,723 | $ 67,000 |
| Fulton, Georgia | 110 | $ 47,244,000 | $ 429,490 | $ 212,000 |
| Lancaster, South Carolina | 104 | $ 13,587,000 | $ 130,644 | $ 67,000 |
| Columbia, Georgia | 100 | $ 22,595,000 | $ 225,950 | $ 131,000 |
| Kershaw, South Carolina | 95 | $ 13,586,000 | $ 143,010 | $ 88,000 |
| Dorchester, South Carolina | 92 | $ 12,379,000 | $ 134,554 | $ 80,000 |
| Greenwood, South Carolina | 89 | $ 9,749,000 | $ 109,539 | $ 61,000 |
| Oconee, South Carolina | 79 | $ 11,698,000 | $ 148,075 | $ 85,000 |
| Beaufort, South Carolina | 73 | $ 22,518,000 | $ 308,465 | $ 177,000 |
| Dillon, South Carolina | 67 | $ 5,740,000 | $ 85,671 | $ 79,000 |
| Stephens, Georgia | 63 | $ 7,470,000 | $ 118,571 | $ 97,000 |
| Georgetown, South Carolina | 62 | $ 10,566,000 | $ 170,419 | $ 110,000 |
| Chester, South Carolina | 61 | $ 6,679,000 | $ 109,491 | $ 62,000 |
| DeKalb, Georgia | 58 | $ 19,820,000 | $ 341,724 | $ 144,000 |
| Madison, Georgia | 57 | $ 5,705,000 | $ 100,087 | $ 57,000 |
| Fairfield, South Carolina | 57 | $ 7,153,000 | $ 125,491 | $ 80,000 |
| Marlboro, South Carolina | 54 | $ 3,783,000 | $ 70,055 | $ 57,000 |
| Abbeville, South Carolina | 50 | $ 4,793,000 | $ 95,860 | $ 64,000 |
| Edgefield, South Carolina | 50 | $ 5,173,000 | $ 103,460 | $ 72,000 |
| Chatham, Georgia | 49 | $ 15,276,000 | $ 311,755 | $ 158,000 |
| Richmond, Georgia | 48 | $ 6,821,000 | $ 142,104 | $ 101,000 |
| Hart, Georgia | 45 | $ 4,425,000 | $ 98,333 | $ 55,000 |
| Newberry, South Carolina | 44 | $ 4,977,000 | $ 113,113 | $ 70,000 |
| Cobb, Georgia | 43 | $ 13,898,000 | $ 323,209 | $ 204,000 |
| Marion, South Carolina | 43 | $ 3,575,000 | $ 83,139 | $ 58,000 |
| Laurens, South Carolina | 42 | $ 4,284,000 | $ 102,000 | $ 88,000 |
| Clarendon, South Carolina | 41 | $ 5,142,000 | $ 125,414 | $ 111,000 |
| Franklin, Georgia | 35 | $ 4,502,000 | $ 128,628 | $ 80,000 |
| Saluda, South Carolina | 34 | $ 3,874,000 | $ 113,941 | $ 78,000 |
| Gwinnett, Georgia | 33 | $ 10,206,000 | $ 309,272 | $ 142,000 |
| Mecklenburg, North Carolina | 28 | $ 5,345,000 | $ 190,892 | $ 93,000 |
| Williamsburg, South Carolina | 25 | $ 1,988,000 | $ 79,520 | $ 86,000 |
| Barnwell, South Carolina | 23 | $ 1,652,000 | $ 71,826 | $ 53,000 |
| Lee, South Carolina | 23 | $ 1,957,000 | $ 85,086 | $ 60,000 |
| McCormick, South Carolina | 20 | $ 2,897,000 | $ 144,850 | $ 79,000 |
| McDuffie, Georgia | 19 | $ 2,234,000 | $ 117,578 | $ 69,000 |
| Calhoun, South Carolina | 19 | $ 3,282,000 | $ 172,736 | $ 89,000 |
| Colleton, South Carolina | 15 | $ 3,870,000 | $ 258,000 | $ 119,000 |
| Union, North Carolina | 11 | $ 2,428,000 | $ 220,727 | $ 120,000 |
| Cherokee, Georgia | 10 | $ 3,428,000 | $ 342,800 | $ 179,000 |
| Clarke, Georgia | 9 | $ 1,008,000 | $ 112,000 | $ 57,000 |
| Forsyth, Georgia | 8 | $ 2,065,000 | $ 258,125 | $ 256,000 |
| Oglethorpe, Georgia | 8 | $ 892,000 | $ 111,500 | $ 50,000 |
| Rockdale, Georgia | 7 | $ 1,490,000 | $ 212,857 | $ 81,000 |
| Cherokee, South Carolina | 7 | $ 486,000 | $ 69,428 | $ 27,000 |
| Clayton, Georgia | 6 | $ 318,000 | $ 53,000 | $ 112,000 |
| Polk, North Carolina | 6 | $ 1,234,000 | $ 205,666 | $ 146,000 |
| Bamberg, South Carolina | 6 | $ 602,000 | $ 100,333 | $ 68,000 |
| Union, South Carolina | 6 | $ 541,000 | $ 90,166 | $ 56,000 |
| Carroll, Georgia | 5 | $ 790,000 | $ 158,000 | $ 109,000 |
| Coweta, Georgia | 5 | $ 585,000 | $ 117,000 | $ 40,000 |
| Hall, Georgia | 5 | $ 1,237,000 | $ 247,400 | $ 178,000 |
| Union, Georgia | 5 | $ 713,000 | $ 142,600 | $ 43,000 |
| Douglas, Georgia | 4 | $ 652,000 | $ 163,000 | $ 110,000 |
| Elbert, Georgia | 4 | $ 596,000 | $ 149,000 | $ 34,000 |
| Lincoln, Georgia | 4 | $ 724,000 | $ 181,000 | $ 81,000 |
| Paulding, Georgia | 4 | $ 1,160,000 | $ 290,000 | $ 122,000 |
| Towns, Georgia | 4 | $ 833,000 | $ 208,250 | $ 125,000 |
| Warren, Georgia | 4 | $ 444,000 | $ 111,000 | $ 92,000 |
| Brunswick, North Carolina | 4 | $ 1,058,000 | $ 264,500 | $ 192,000 |
| Gaston, North Carolina | 4 | $ 632,000 | $ 158,000 | $ 61,000 |
| Transylvania, North Carolina | 4 | $ 1,054,000 | $ 263,500 | $ 120,000 |
| Barrow, Georgia | 3 | $ 624,000 | $ 208,000 | $ 105,000 |
| Effingham, Georgia | 3 | $ 651,000 | $ 217,000 | $ 107,000 |
| Fayette, Georgia | 3 | $ 1,318,000 | $ 439,333 | $ 152,000 |
| Habersham, Georgia | 3 | $ 304,000 | $ 101,333 | $ 61,000 |
| Henry, Georgia | 3 | $ 598,000 | $ 199,333 | $ 135,000 |
| Rabun, Georgia | 3 | $ 775,000 | $ 258,333 | $ 206,000 |
| Cabarrus, North Carolina | 3 | $ 820,000 | $ 273,333 | $ 111,000 |
| Forsyth, North Carolina | 3 | $ 332,000 | $ 110,666 | $ 75,000 |
| Henderson, North Carolina | 3 | $ 436,000 | $ 145,333 | $ 76,000 |
| Robeson, North Carolina | 3 | $ 258,000 | $ 86,000 | $ 55,000 |
| Watauga, North Carolina | 3 | $ 1,530,000 | $ 510,000 | $ 367,000 |
| Banks, Georgia | 2 | $ 202,000 | $ 101,000 | $ 70,000 |
| Bartow, Georgia | 2 | $ 315,000 | $ 157,500 | $ 92,000 |
| Bulloch, Georgia | 2 | $ 236,000 | $ 118,000 | $ 56,000 |
| Glascock, Georgia | 2 | $ 165,000 | $ 82,500 | $ 49,000 |
| Jackson, Georgia | 2 | $ 160,000 | $ 80,000 | $ 39,000 |
| Oconee, Georgia | 2 | $ 626,000 | $ 313,000 | $ 131,000 |
| Walton, Georgia | 2 | $ 847,000 | $ 423,500 | $ 487,000 |
| Haywood, North Carolina | 2 | $ 476,000 | $ 238,000 | $ 248,000 |
| Jackson, North Carolina | 2 | $ 625,000 | $ 312,500 | $ 210,000 |
| Lincoln, North Carolina | 2 | $ 203,000 | $ 101,500 | $ 72,000 |
| Macon, North Carolina | 2 | $ 3,180,000 | $ 1,590,000 | $ 40,000 |
| McDowell, North Carolina | 2 | $ 286,000 | $ 143,000 | $ 58,000 |
| Mitchell, North Carolina | 2 | $ 160,000 | $ 80,000 | $ 61,000 |
| New Hanover, North Carolina | 2 | $ 172,000 | $ 86,000 | $ 51,000 |
| Rutherford, North Carolina | 2 | $ 345,000 | $ 172,500 | $ 73,000 |
| Scotland, North Carolina | 2 | $ 196,000 | $ 98,000 | $ 12,000 |
| Jasper, South Carolina | 2 | $ 251,000 | $ 125,500 | $ 90,000 |
| Eagle, Colorado | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Broward, Florida | 1 | $ 177,000 | $ 177,000 | $ 19,000 |
| Manatee, Florida | 1 | $ 380,000 | $ 380,000 | $ 260,000 |
| Nassau, Florida | 1 | $ 212,000 | $ 212,000 | $ 320,000 |
| Walton, Florida | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Bacon, Georgia | 1 | $ 171,000 | $ 171,000 | $ 94,000 |
| Brantley, Georgia | 1 | $ 32,000 | $ 32,000 | $ 26,000 |
| Dawson, Georgia | 1 | $ 85,000 | $ 85,000 | $ 366,000 |
| Glynn, Georgia | 1 | $ 407,000 | $ 407,000 | $ 232,000 |
| Jeff Davis, Georgia | 1 | $ 306,000 | $ 306,000 | $ 180,000 |
| Jefferson, Georgia | 1 | $ 74,000 | $ 74,000 | $ 33,000 |
| Jenkins, Georgia | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Laurens, Georgia | 1 | $ 333,000 | $ 333,000 | $ 140,000 |
| McIntosh, Georgia | 1 | $ 175,000 | $ 175,000 | $ 93,000 |
| Muscogee, Georgia | 1 | $ 248,000 | $ 248,000 | $ 61,000 |
| Newton, Georgia | 1 | $ 171,000 | $ 171,000 | $ 68,000 |
| Anson, North Carolina | 1 | $ 32,000 | $ 32,000 | $ 23,000 |
| Buncombe, North Carolina | 1 | $ 92,000 | $ 92,000 | $ 126,000 |
| Caswell, North Carolina | 1 | $ 112,000 | $ 112,000 | $ 50,000 |
| Catawba, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Clay, North Carolina | 1 | $ 70,000 | $ 70,000 | $ 197,000 |
| Craven, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 1,088,000 |
| Davie, North Carolina | 1 | $ 256,000 | $ 256,000 | $ 138,000 |
| Edgecombe, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Guilford, North Carolina | 1 | $ 148,000 | $ 148,000 | $ 122,000 |
| Lee, North Carolina | 1 | $ 193,000 | $ 193,000 | $ 106,000 |
| Pitt, North Carolina | 1 | $ 168,000 | $ 168,000 | $ 87,000 |
| Rowan, North Carolina | 1 | $ 448,000 | $ 448,000 | $ 248,000 |
| Warren, North Carolina | 1 | $ 318,000 | $ 318,000 | $ 110,000 |
| Yancey, North Carolina | 1 | $ 87,000 | $ 87,000 | $ 44,000 |
| Allendale, South Carolina | 1 | $ 33,000 | $ 33,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for First Citizens Bank & Trust Co in 2014
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 | 2,860 | $528,420,000 | $184,000 | $1,800,000 | $98,000 | $1,455,000 |
| Refinancing | 2,479 | $409,832,000 | $165,000 | $3,100,000 | $95,000 | $1,644,000 |
| Home Improvement | 537 | $46,957,000 | $87,000 | $550,000 | $73,000 | $664,000 |
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 | 4,373 | $746,681,000 | $170,000 | $3,100,000 | $99,000 | $1,644,000 |
| Not Provided | 636 | $110,613,000 | $173,000 | $1,387,000 | $102,000 | $1,306,000 |
| Black or African American | 493 | $52,590,000 | $106,000 | $1,000,000 | $70,000 | $1,102,000 |
| Asian | 138 | $26,415,000 | $191,000 | $2,137,000 | $121,000 | $884,000 |
| Not applicable | 128 | $34,322,000 | $268,000 | $3,031,000 | $0 | $0 |
| Hispanic | 85 | $11,427,000 | $134,000 | $812,000 | $61,000 | $402,000 |
| American Indian or Alaskan Native | 15 | $1,953,000 | $130,000 | $312,000 | $64,000 | $193,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,208,000 | $151,000 | $412,000 | $74,000 | $121,000 |
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) | 5,450 | $928,898,000 | $170,000 | $3,100,000 | $98,000 | $1,644,000 |
| FHA-insured (Federal Housing Administration) | 202 | $25,216,000 | $124,000 | $290,000 | $53,000 | $218,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 128 | $13,486,000 | $105,000 | $281,000 | $39,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 96 | $17,609,000 | $183,000 | $391,000 | $72,000 | $193,000 |
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 | 3,700 | $619,326,000 | $167,000 | $3,100,000 | $102,000 | $1,638,000 |
| Application Denied By Financial Institution | 1,389 | $200,787,000 | $144,000 | $1,800,000 | $70,000 | $815,000 |
| File Closed For Incompleteness | 387 | $81,381,000 | $210,000 | $1,800,000 | $98,000 | $996,000 |
| Application Withdrawn By Applicant | 201 | $55,458,000 | $275,000 | $3,031,000 | $120,000 | $1,455,000 |
| Application Approved But Not Accepted | 199 | $28,257,000 | $141,000 | $2,137,000 | $92,000 | $1,644,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 614 | $95,187,000 | $155,000 | $1,800,000 | $53,000 | $552,000 |
| Credit History | 496 | $58,021,000 | $116,000 | $1,387,000 | $75,000 | $815,000 |
| Collateral | 189 | $34,796,000 | $184,000 | $1,093,000 | $109,000 | $761,000 |
| Other | 31 | $3,942,000 | $127,000 | $340,000 | $81,000 | $376,000 |
| Employment History | 31 | $4,316,000 | $139,000 | $300,000 | $62,000 | $218,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $1,549,000 | $103,000 | $600,000 | $61,000 | $315,000 |
| Unverifiable Information | 12 | $2,836,000 | $236,000 | $600,000 | $90,000 | $205,000 |
| Mortgage Insurance Denied | 1 | $140,000 | $140,000 | $140,000 | $73,000 | $73,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Citizens Bank & Trust Co's 2014 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 First Citizens Bank & Trust Co'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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