First Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2003
In 2003, First Citizens Bank & Trust Co of Columbia, SC reported 9,007 mortgage applications totaling $956.0 million. The average application was for $106,142, and applicants reported an average income of $65,169. 85% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Columbia, SC (1,546), Greenville-Spartanburg-Anderson, SC (1,392) and Charleston-North Charleston, SC (847) (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 | 9,007 |
| Total Mortgage Loan Application Amount | $956,021,000 |
| Average Mortgage Loan Application Amount | $106,142 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $65,169 |
| Highest Applicant Income | $2,440,000 |
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records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 935 | $ 111,710,000 | $ 119,475 | $ 66,000 |
| Lexington, South Carolina | 611 | $ 64,986,000 | $ 106,360 | $ 65,000 |
| Spartanburg, South Carolina | 579 | $ 55,890,000 | $ 96,528 | $ 86,000 |
| Horry, South Carolina | 546 | $ 57,268,000 | $ 104,886 | $ 53,000 |
| Charleston, South Carolina | 412 | $ 68,866,000 | $ 167,150 | $ 81,000 |
| Darlington, South Carolina | 381 | $ 42,761,000 | $ 112,233 | $ 51,000 |
| Dillon, South Carolina | 343 | $ 23,314,000 | $ 67,970 | $ 53,000 |
| York, South Carolina | 341 | $ 40,518,000 | $ 118,821 | $ 60,000 |
| Chesterfield, South Carolina | 323 | $ 23,160,000 | $ 71,702 | $ 46,000 |
| Anderson, South Carolina | 320 | $ 32,689,000 | $ 102,153 | $ 56,000 |
| Aiken, South Carolina | 285 | $ 24,561,000 | $ 86,178 | $ 55,000 |
| Berkeley, South Carolina | 273 | $ 33,116,000 | $ 121,304 | $ 75,000 |
| Greenville, South Carolina | 267 | $ 31,103,000 | $ 116,490 | $ 59,000 |
| Florence, South Carolina | 247 | $ 21,967,000 | $ 88,935 | $ 57,000 |
| Pickens, South Carolina | 201 | $ 21,360,000 | $ 106,268 | $ 73,000 |
| Lancaster, South Carolina | 188 | $ 19,166,000 | $ 101,946 | $ 51,000 |
| Marion, South Carolina | 188 | $ 14,883,000 | $ 79,164 | $ 48,000 |
| Oconee, South Carolina | 186 | $ 26,277,000 | $ 141,274 | $ 72,000 |
| Greenwood, South Carolina | 177 | $ 17,932,000 | $ 101,310 | $ 50,000 |
| Barnwell, South Carolina | 176 | $ 14,908,000 | $ 84,704 | $ 56,000 |
| Dorchester, South Carolina | 162 | $ 19,626,000 | $ 121,148 | $ 62,000 |
| Chester, South Carolina | 154 | $ 13,081,000 | $ 84,941 | $ 51,000 |
| Sumter, South Carolina | 152 | $ 13,780,000 | $ 90,657 | $ 58,000 |
| Marlboro, South Carolina | 144 | $ 8,287,000 | $ 57,548 | $ 52,000 |
| Kershaw, South Carolina | 129 | $ 13,229,000 | $ 102,550 | $ 55,000 |
| Georgetown, South Carolina | 113 | $ 20,325,000 | $ 179,867 | $ 107,000 |
| Edgefield, South Carolina | 106 | $ 7,740,000 | $ 73,018 | $ 65,000 |
| Orangeburg, South Carolina | 102 | $ 8,299,000 | $ 81,362 | $ 62,000 |
| Newberry, South Carolina | 96 | $ 9,348,000 | $ 97,375 | $ 87,000 |
| Abbeville, South Carolina | 89 | $ 7,107,000 | $ 79,853 | $ 54,000 |
| Saluda, South Carolina | 87 | $ 5,961,000 | $ 68,517 | $ 58,000 |
| Beaufort, South Carolina | 83 | $ 14,720,000 | $ 177,349 | $ 89,000 |
| Lee, South Carolina | 76 | $ 4,876,000 | $ 64,157 | $ 41,000 |
| Clarendon, South Carolina | 56 | $ 5,371,000 | $ 95,910 | $ 43,000 |
| Laurens, South Carolina | 50 | $ 4,893,000 | $ 97,860 | $ 56,000 |
| Fairfield, South Carolina | 37 | $ 3,247,000 | $ 87,756 | $ 51,000 |
| Colleton, South Carolina | 30 | $ 5,092,000 | $ 169,733 | $ 149,000 |
| Williamsburg, South Carolina | 28 | $ 2,654,000 | $ 94,785 | $ 60,000 |
| Franklin, Georgia | 26 | $ 3,575,000 | $ 137,500 | $ 56,000 |
| Cherokee, South Carolina | 25 | $ 1,970,000 | $ 78,800 | $ 49,000 |
| Hart, Georgia | 23 | $ 3,142,000 | $ 136,608 | $ 81,000 |
| McCormick, South Carolina | 22 | $ 2,312,000 | $ 105,090 | $ 73,000 |
| Mecklenburg, North Carolina | 21 | $ 3,390,000 | $ 161,428 | $ 92,000 |
| Stephens, Georgia | 20 | $ 2,731,000 | $ 136,550 | $ 81,000 |
| Union, North Carolina | 20 | $ 2,174,000 | $ 108,700 | $ 72,000 |
| Polk, North Carolina | 19 | $ 2,629,000 | $ 138,368 | $ 57,000 |
| Brunswick, North Carolina | 15 | $ 2,218,000 | $ 147,866 | $ 150,000 |
| McDuffie, Georgia | 10 | $ 1,030,000 | $ 103,000 | $ 57,000 |
| Robeson, North Carolina | 9 | $ 300,000 | $ 33,333 | $ 42,000 |
| Allendale, South Carolina | 9 | $ 465,000 | $ 51,666 | $ 56,000 |
| Calhoun, South Carolina | 7 | $ 830,000 | $ 118,571 | $ 88,000 |
| Union, South Carolina | 7 | $ 730,000 | $ 104,285 | $ 33,000 |
| Guilford, North Carolina | 6 | $ 589,000 | $ 98,166 | $ 29,000 |
| Columbia, Georgia | 5 | $ 617,000 | $ 123,400 | $ 59,000 |
| Buncombe, North Carolina | 5 | $ 850,000 | $ 170,000 | $ 105,000 |
| McDowell, North Carolina | 4 | $ 461,000 | $ 115,250 | $ 182,000 |
| Scotland, North Carolina | 4 | $ 149,000 | $ 37,250 | $ 33,000 |
| Transylvania, North Carolina | 4 | $ 627,000 | $ 156,750 | $ 156,000 |
| Watauga, North Carolina | 4 | $ 785,000 | $ 196,250 | $ 166,000 |
| Bamberg, South Carolina | 4 | $ 237,000 | $ 59,250 | $ 16,000 |
| Avery, North Carolina | 3 | $ 567,000 | $ 189,000 | $ 105,000 |
| Durham, North Carolina | 3 | $ 397,000 | $ 132,333 | $ 57,000 |
| Henderson, North Carolina | 3 | $ 317,000 | $ 105,666 | $ 123,000 |
| Macon, North Carolina | 3 | $ 611,000 | $ 203,666 | $ 268,000 |
| Orange, North Carolina | 3 | $ 723,000 | $ 241,000 | $ 217,000 |
| Hampton, South Carolina | 3 | $ 184,000 | $ 61,333 | $ 48,000 |
| Jasper, South Carolina | 3 | $ 511,000 | $ 170,333 | $ 57,000 |
| Cobb, Georgia | 2 | $ 493,000 | $ 246,500 | $ 219,000 |
| DeKalb, Georgia | 2 | $ 264,000 | $ 132,000 | $ 36,000 |
| Elbert, Georgia | 2 | $ 119,000 | $ 59,500 | $ 71,000 |
| Oglethorpe, Georgia | 2 | $ 598,000 | $ 299,000 | $ 120,000 |
| Anson, North Carolina | 2 | $ 218,000 | $ 109,000 | $ 75,000 |
| Cabarrus, North Carolina | 2 | $ 260,000 | $ 130,000 | $ 87,000 |
| Catawba, North Carolina | 2 | $ 200,000 | $ 100,000 | $ 31,000 |
| Haywood, North Carolina | 2 | $ 286,000 | $ 143,000 | $ 0 |
| Swain, North Carolina | 2 | $ 285,000 | $ 142,500 | $ 450,000 |
| Wake, North Carolina | 2 | $ 202,000 | $ 101,000 | $ 99,000 |
| Bulloch, Georgia | 1 | $ 113,000 | $ 113,000 | $ 119,000 |
| Chatham, Georgia | 1 | $ 243,000 | $ 243,000 | $ 233,000 |
| Douglas, Georgia | 1 | $ 146,000 | $ 146,000 | $ 136,000 |
| Gwinnett, Georgia | 1 | $ 275,000 | $ 275,000 | $ 78,000 |
| Madison, Georgia | 1 | $ 168,000 | $ 168,000 | $ 69,000 |
| Richmond, Georgia | 1 | $ 92,000 | $ 92,000 | $ 37,000 |
| Warren, Georgia | 1 | $ 61,000 | $ 61,000 | $ 38,000 |
| Wayne, Georgia | 1 | $ 21,000 | $ 21,000 | $ 85,000 |
| Alamance, North Carolina | 1 | $ 169,000 | $ 169,000 | $ 47,000 |
| Alexander, North Carolina | 1 | $ 108,000 | $ 108,000 | $ 28,000 |
| Cleveland, North Carolina | 1 | $ 199,000 | $ 199,000 | $ 355,000 |
| Columbus, North Carolina | 1 | $ 67,000 | $ 67,000 | $ 52,000 |
| Craven, North Carolina | 1 | $ 173,000 | $ 173,000 | $ 73,000 |
| Cumberland, North Carolina | 1 | $ 120,000 | $ 120,000 | $ 77,000 |
| Forsyth, North Carolina | 1 | $ 80,000 | $ 80,000 | $ 46,000 |
| Gaston, North Carolina | 1 | $ 117,000 | $ 117,000 | $ 355,000 |
| Hyde, North Carolina | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Jackson, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 52,000 |
| New Hanover, North Carolina | 1 | $ 157,000 | $ 157,000 | $ 95,000 |
| Pender, North Carolina | 1 | $ 102,000 | $ 102,000 | $ 70,000 |
| Richmond, North Carolina | 1 | $ 169,000 | $ 169,000 | $ 78,000 |
| Rutherford, North Carolina | 1 | $ 455,000 | $ 455,000 | $ 115,000 |
| Berks, Pennsylvania | 1 | $ 297,000 | $ 297,000 | $ 104,000 |
| Chesterfield, Virginia | 1 | $ 74,000 | $ 74,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for First Citizens Bank & Trust Co in 2003
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 (home purchase or home improvement, one-to-four family) | 6,586 | $684,740,000 | $125,333 | $1,279,000 | $79,000 | $1,902,000 |
| Home Purchase (one-to-four family) | 2,215 | $260,186,000 | $114,750 | $1,800,000 | $72,500 | $2,440,000 |
| Home Improvement (one-to-four family) | 197 | $9,299,000 | $125,666 | $324,000 | $86,333 | $1,140,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 9 | $1,796,000 | $199,000 | $384,000 | $0 | $0 |
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 | 6,388 | $676,460,000 | $148,600 | $1,500,000 | $79,200 | $2,440,000 |
| Information not provided by applicant in mail or telephone application | 1,775 | $209,266,000 | $143,000 | $930,000 | $81,333 | $1,443,000 |
| Black | 622 | $44,552,000 | $81,666 | $385,000 | $54,333 | $235,000 |
| Asian or Pacific Islander | 68 | $7,253,000 | $114,000 | $350,000 | $52,000 | $211,000 |
| Not applicable | 65 | $10,578,000 | $148,500 | $1,800,000 | $1,000 | $211,000 |
| Hispanic | 52 | $4,378,000 | $79,500 | $300,000 | $35,000 | $141,000 |
| American Indian or Alaskan Native | 19 | $1,726,000 | $90,000 | $320,000 | $51,000 | $120,000 |
| Other | 18 | $1,808,000 | $100,000 | $500,000 | $85,000 | $424,000 |
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) | 8,955 | $951,863,000 | $168,250 | $1,800,000 | $87,000 | $2,440,000 |
| FHA-insured (Federal Housing Administration) | 37 | $2,616,000 | $72,000 | $128,000 | $27,500 | $73,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,542,000 | $102,000 | $160,000 | $40,000 | $77,000 |
| 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 | 7,623 | $792,520,000 | $167,000 | $1,800,000 | $90,000 | $1,902,000 |
| Application Withdrawn By Applicant | 788 | $102,915,000 | $144,000 | $890,000 | $68,333 | $496,000 |
| Application Denied By Financial Institution | 484 | $46,093,000 | $101,000 | $500,000 | $34,500 | $2,440,000 |
| Application Approved But Not Accepted | 83 | $10,736,000 | $100,666 | $1,388,000 | $42,000 | $450,000 |
| File Closed For Incompleteness | 29 | $3,757,000 | $143,000 | $390,000 | $80,000 | $375,000 |
| Loan Purchased By The 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 | 222 | $16,955,000 | $46,500 | $447,000 | $33,000 | $231,000 |
| Debt-To-Income Ratio | 201 | $23,174,000 | $140,500 | $500,000 | $28,000 | $206,000 |
| Collateral | 29 | $2,888,000 | $99,000 | $371,000 | $60,000 | $171,000 |
| Other | 20 | $1,514,000 | $75,000 | $188,000 | $149,000 | $2,440,000 |
| Unverifiable Information | 4 | $635,000 | $158,000 | $253,000 | $58,000 | $100,000 |
| Employment History | 4 | $381,000 | $95,000 | $207,000 | $18,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $546,000 | $136,000 | $173,000 | $53,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Citizens Bank & Trust Co's 2003 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.
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