First Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2004
In 2004, First Citizens Bank & Trust Co of Columbia, SC reported 5,598 mortgage applications totaling $590.8 million, down 38% from 2003. The average application was for $105,535, and applicants reported an average income of $58,255. 85% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Columbia, SC (893), Charleston-North Charleston, SC (477) and Spartanburg, SC (343) (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 | 5,598 |
| Total Mortgage Loan Application Amount | $590,790,000 |
| Average Mortgage Loan Application Amount | $105,535 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $58,255 |
| Highest Applicant Income | $2,300,000 |
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records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 409 | $ 51,862,000 | $ 126,801 | $ 59,000 |
| Spartanburg, South Carolina | 343 | $ 33,393,000 | $ 97,355 | $ 58,000 |
| Lexington, South Carolina | 333 | $ 34,044,000 | $ 102,234 | $ 52,000 |
| Horry, South Carolina | 309 | $ 42,897,000 | $ 138,825 | $ 77,000 |
| Darlington, South Carolina | 207 | $ 21,242,000 | $ 102,618 | $ 54,000 |
| Stephens, Georgia | 198 | $ 12,205,000 | $ 61,641 | $ 54,000 |
| Berkeley, South Carolina | 193 | $ 23,004,000 | $ 119,191 | $ 58,000 |
| Dillon, South Carolina | 185 | $ 11,327,000 | $ 61,227 | $ 53,000 |
| Charleston, South Carolina | 178 | $ 33,619,000 | $ 188,870 | $ 72,000 |
| Aiken, South Carolina | 177 | $ 15,869,000 | $ 89,655 | $ 43,000 |
| Chesterfield, South Carolina | 176 | $ 11,085,000 | $ 62,982 | $ 63,000 |
| Anderson, South Carolina | 175 | $ 19,726,000 | $ 112,720 | $ 49,000 |
| York, South Carolina | 159 | $ 17,343,000 | $ 109,075 | $ 47,000 |
| Greenwood, South Carolina | 151 | $ 13,133,000 | $ 86,973 | $ 63,000 |
| Greenville, South Carolina | 150 | $ 20,403,000 | $ 136,020 | $ 55,000 |
| Oconee, South Carolina | 135 | $ 16,658,000 | $ 123,392 | $ 75,000 |
| Pickens, South Carolina | 132 | $ 14,334,000 | $ 108,590 | $ 56,000 |
| Florence, South Carolina | 127 | $ 14,068,000 | $ 110,771 | $ 48,000 |
| Orangeburg, South Carolina | 122 | $ 9,989,000 | $ 81,877 | $ 59,000 |
| Lancaster, South Carolina | 118 | $ 10,497,000 | $ 88,957 | $ 43,000 |
| Franklin, Georgia | 112 | $ 7,942,000 | $ 70,910 | $ 36,000 |
| Dorchester, South Carolina | 106 | $ 14,098,000 | $ 133,000 | $ 54,000 |
| Sumter, South Carolina | 105 | $ 10,284,000 | $ 97,942 | $ 54,000 |
| Barnwell, South Carolina | 97 | $ 6,944,000 | $ 71,587 | $ 38,000 |
| Chester, South Carolina | 97 | $ 7,617,000 | $ 78,525 | $ 40,000 |
| Marlboro, South Carolina | 81 | $ 4,588,000 | $ 56,641 | $ 40,000 |
| Georgetown, South Carolina | 78 | $ 16,278,000 | $ 208,692 | $ 104,000 |
| Hart, Georgia | 75 | $ 8,973,000 | $ 119,640 | $ 78,000 |
| Marion, South Carolina | 75 | $ 5,249,000 | $ 69,986 | $ 49,000 |
| Kershaw, South Carolina | 72 | $ 6,962,000 | $ 96,694 | $ 44,000 |
| Newberry, South Carolina | 71 | $ 5,862,000 | $ 82,563 | $ 54,000 |
| Abbeville, South Carolina | 60 | $ 4,792,000 | $ 79,866 | $ 50,000 |
| Laurens, South Carolina | 57 | $ 4,219,000 | $ 74,017 | $ 44,000 |
| Edgefield, South Carolina | 52 | $ 4,654,000 | $ 89,500 | $ 47,000 |
| Clarendon, South Carolina | 47 | $ 4,882,000 | $ 103,872 | $ 66,000 |
| Saluda, South Carolina | 45 | $ 3,071,000 | $ 68,244 | $ 42,000 |
| Lee, South Carolina | 43 | $ 2,531,000 | $ 58,860 | $ 46,000 |
| McDuffie, Georgia | 32 | $ 3,022,000 | $ 94,437 | $ 58,000 |
| Beaufort, South Carolina | 32 | $ 9,263,000 | $ 289,468 | $ 87,000 |
| Fairfield, South Carolina | 25 | $ 2,599,000 | $ 103,960 | $ 87,000 |
| Colleton, South Carolina | 21 | $ 4,306,000 | $ 205,047 | $ 70,000 |
| Cherokee, South Carolina | 19 | $ 1,125,000 | $ 59,210 | $ 43,000 |
| Warren, Georgia | 16 | $ 725,000 | $ 45,312 | $ 45,000 |
| McCormick, South Carolina | 15 | $ 1,748,000 | $ 116,533 | $ 57,000 |
| Williamsburg, South Carolina | 12 | $ 1,223,000 | $ 101,916 | $ 56,000 |
| Union, South Carolina | 11 | $ 1,163,000 | $ 105,727 | $ 43,000 |
| Polk, North Carolina | 10 | $ 1,255,000 | $ 125,500 | $ 96,000 |
| Robeson, North Carolina | 9 | $ 530,000 | $ 58,888 | $ 57,000 |
| Calhoun, South Carolina | 9 | $ 1,100,000 | $ 122,222 | $ 62,000 |
| Elbert, Georgia | 8 | $ 641,000 | $ 80,125 | $ 54,000 |
| Mecklenburg, North Carolina | 8 | $ 1,344,000 | $ 168,000 | $ 109,000 |
| Union, North Carolina | 8 | $ 1,184,000 | $ 148,000 | $ 41,000 |
| Habersham, Georgia | 7 | $ 858,000 | $ 122,571 | $ 76,000 |
| Scotland, North Carolina | 7 | $ 727,000 | $ 103,857 | $ 34,000 |
| Allendale, South Carolina | 7 | $ 194,000 | $ 27,714 | $ 57,000 |
| Jackson, Georgia | 5 | $ 222,000 | $ 44,400 | $ 134,000 |
| Brunswick, North Carolina | 5 | $ 656,000 | $ 131,200 | $ 152,000 |
| Watauga, North Carolina | 5 | $ 1,401,000 | $ 280,200 | $ 222,000 |
| Columbia, Georgia | 3 | $ 324,000 | $ 108,000 | $ 66,000 |
| Glascock, Georgia | 3 | $ 162,000 | $ 54,000 | $ 58,000 |
| Richmond, Georgia | 3 | $ 196,000 | $ 65,333 | $ 61,000 |
| White, Georgia | 3 | $ 255,000 | $ 85,000 | $ 62,000 |
| Columbus, North Carolina | 3 | $ 176,000 | $ 58,666 | $ 53,000 |
| Haywood, North Carolina | 3 | $ 330,000 | $ 110,000 | $ 41,000 |
| Nassau, New York | 2 | $ 76,000 | $ 38,000 | $ 88,000 |
| Avery, North Carolina | 2 | $ 160,000 | $ 80,000 | $ 63,000 |
| Carteret, North Carolina | 2 | $ 339,000 | $ 169,500 | $ 138,000 |
| Henderson, North Carolina | 2 | $ 1,300,000 | $ 650,000 | $ 320,000 |
| Jackson, North Carolina | 2 | $ 305,000 | $ 152,500 | $ 87,000 |
| Richmond, North Carolina | 2 | $ 83,000 | $ 41,500 | $ 37,000 |
| Rowan, North Carolina | 2 | $ 249,000 | $ 124,500 | $ 279,000 |
| Rutherford, North Carolina | 2 | $ 326,000 | $ 163,000 | $ 67,000 |
| Transylvania, North Carolina | 2 | $ 211,000 | $ 105,500 | $ 207,000 |
| Yancey, North Carolina | 2 | $ 396,000 | $ 198,000 | $ 270,000 |
| Bamberg, South Carolina | 2 | $ 153,000 | $ 76,500 | $ 42,000 |
| Hampton, South Carolina | 2 | $ 152,000 | $ 76,000 | $ 62,000 |
| Mobile, Alabama | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Fairfield, Connecticut | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Banks, Georgia | 1 | $ 149,000 | $ 149,000 | $ 38,000 |
| Carroll, Georgia | 1 | $ 131,000 | $ 131,000 | $ 96,000 |
| Chatham, Georgia | 1 | $ 54,000 | $ 54,000 | $ 72,000 |
| Clarke, Georgia | 1 | $ 229,000 | $ 229,000 | $ 345,000 |
| Clayton, Georgia | 1 | $ 38,000 | $ 38,000 | $ 27,000 |
| Cobb, Georgia | 1 | $ 325,000 | $ 325,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Glynn, Georgia | 1 | $ 183,000 | $ 183,000 | $ 118,000 |
| Gwinnett, Georgia | 1 | $ 29,000 | $ 29,000 | $ 69,000 |
| Jefferson, Georgia | 1 | $ 185,000 | $ 185,000 | $ 34,000 |
| Lamar, Georgia | 1 | $ 111,000 | $ 111,000 | $ 68,000 |
| Madison, Georgia | 1 | $ 170,000 | $ 170,000 | $ 45,000 |
| Rabun, Georgia | 1 | $ 80,000 | $ 80,000 | $ 150,000 |
| Thomas, Georgia | 1 | $ 51,000 | $ 51,000 | $ 72,000 |
| Towns, Georgia | 1 | $ 144,000 | $ 144,000 | $ 205,000 |
| Wayne, Georgia | 1 | $ 104,000 | $ 104,000 | $ 43,000 |
| Sussex, New Jersey | 1 | $ 388,000 | $ 388,000 | $ 44,000 |
| Anson, North Carolina | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Ashe, North Carolina | 1 | $ 247,000 | $ 247,000 | $ 126,000 |
| Bladen, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 64,000 |
| Buncombe, North Carolina | 1 | $ 197,000 | $ 197,000 | $ 346,000 |
| Burke, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Cabarrus, North Carolina | 1 | $ 76,000 | $ 76,000 | $ 36,000 |
| Caldwell, North Carolina | 1 | $ 190,000 | $ 190,000 | $ 138,000 |
| Caswell, North Carolina | 1 | $ 98,000 | $ 98,000 | $ 118,000 |
| Craven, North Carolina | 1 | $ 43,000 | $ 43,000 | $ 18,000 |
| Forsyth, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 90,000 |
| McDowell, North Carolina | 1 | $ 80,000 | $ 80,000 | $ 160,000 |
| Moore, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 32,000 |
| New Hanover, North Carolina | 1 | $ 114,000 | $ 114,000 | $ 55,000 |
| Wake, North Carolina | 1 | $ 73,000 | $ 73,000 | $ 120,000 |
| Sevier, Tennessee | 1 | $ 142,000 | $ 142,000 | $ 66,000 |
| Montgomery, Virginia | 1 | $ 181,000 | $ 181,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for First Citizens Bank & Trust Co 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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,771 | $282,144,000 | $73,200 | $1,184,000 | $69,800 | $1,342,000 |
| Home Purchase | 2,377 | $279,352,000 | $173,125 | $1,500,000 | $56,000 | $2,300,000 |
| Home Improvement | 450 | $29,294,000 | $64,333 | $1,400,000 | $78,000 | $834,000 |
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 | 4,370 | $479,145,000 | $151,142 | $1,500,000 | $57,857 | $2,300,000 |
| Black or African American | 568 | $42,248,000 | $67,000 | $725,000 | $50,666 | $1,342,000 |
| Not Provided | 435 | $45,542,000 | $96,250 | $668,000 | $106,750 | $1,094,000 |
| Not applicable | 78 | $9,949,000 | $164,666 | $468,000 | $2,000 | $100,000 |
| Hispanic | 63 | $5,012,000 | $77,666 | $563,000 | $48,000 | $240,000 |
| Asian | 57 | $6,842,000 | $146,000 | $500,000 | $36,333 | $421,000 |
| American Indian or Alaskan Native | 17 | $1,481,000 | $87,000 | $210,000 | $49,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $571,000 | $53,000 | $87,000 | $61,000 | $120,000 |
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) | 5,527 | $584,704,000 | $152,111 | $1,500,000 | $54,555 | $2,300,000 |
| FHA-insured (Federal Housing Administration) | 55 | $4,336,000 | $76,500 | $180,000 | $26,500 | $118,000 |
| VA-guaranteed (Veterans Administration) | 16 | $1,750,000 | $109,000 | $185,000 | $34,000 | $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 | 4,735 | $489,237,000 | $134,142 | $1,400,000 | $53,285 | $2,300,000 |
| Application Denied By Financial Institution | 411 | $35,411,000 | $170,000 | $489,000 | $38,000 | $572,000 |
| Application Withdrawn By Applicant | 370 | $56,091,000 | $117,750 | $1,500,000 | $88,250 | $648,000 |
| Application Approved But Not Accepted | 78 | $9,592,000 | $105,333 | $525,000 | $48,333 | $420,000 |
| File Closed For Incompleteness | 4 | $459,000 | $114,000 | $134,000 | $55,000 | $146,000 |
| 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 | 172 | $18,226,000 | $184,500 | $489,000 | $34,500 | $144,000 |
| Credit History | 168 | $11,871,000 | $63,666 | $395,000 | $43,000 | $572,000 |
| Other | 53 | $3,816,000 | $72,000 | $252,000 | $53,000 | $250,000 |
| Collateral | 10 | $737,000 | $73,000 | $134,000 | $38,000 | $110,000 |
| Employment History | 3 | $290,000 | $86,000 | $150,000 | $42,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $374,000 | $124,000 | $250,000 | $44,000 | $100,000 |
| Credit Application Incomplete | 1 | $62,000 | $62,000 | $62,000 | $77,000 | $77,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Citizens Bank & Trust Co'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 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
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