First Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2005
In 2005, First Citizens Bank & Trust Co of Columbia, SC reported 6,105 mortgage applications totaling $726.7 million, up 9% from 2004. The average application was for $119,038, and applicants reported an average income of $68,310. 73% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Columbia, SC (1,003), Charleston-North Charleston, SC (580) and Spartanburg, SC (395) (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 | 6,105 |
| Total Mortgage Loan Application Amount | $726,732,000 |
| Average Mortgage Loan Application Amount | $119,038 |
| Highest Mortgage Loan Application Amount | $1,643,000 |
| Average Applicant Income | $68,310 |
| Highest Applicant Income | $4,768,000 |
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records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 443 | $ 59,672,000 | $ 134,699 | $ 76,000 |
| Spartanburg, South Carolina | 395 | $ 43,017,000 | $ 108,903 | $ 58,000 |
| Lexington, South Carolina | 388 | $ 45,771,000 | $ 117,966 | $ 73,000 |
| Horry, South Carolina | 342 | $ 54,275,000 | $ 158,698 | $ 71,000 |
| Charleston, South Carolina | 267 | $ 60,901,000 | $ 228,093 | $ 108,000 |
| Darlington, South Carolina | 244 | $ 25,849,000 | $ 105,938 | $ 56,000 |
| Anderson, South Carolina | 218 | $ 22,816,000 | $ 104,660 | $ 55,000 |
| Chesterfield, South Carolina | 214 | $ 14,589,000 | $ 68,172 | $ 41,000 |
| Aiken, South Carolina | 192 | $ 25,064,000 | $ 130,541 | $ 65,000 |
| Berkeley, South Carolina | 190 | $ 28,811,000 | $ 151,636 | $ 71,000 |
| Stephens, Georgia | 180 | $ 12,680,000 | $ 70,444 | $ 56,000 |
| Greenville, South Carolina | 174 | $ 24,196,000 | $ 139,057 | $ 58,000 |
| Oconee, South Carolina | 166 | $ 22,631,000 | $ 136,331 | $ 63,000 |
| York, South Carolina | 166 | $ 20,192,000 | $ 121,638 | $ 66,000 |
| Dillon, South Carolina | 165 | $ 10,559,000 | $ 63,993 | $ 63,000 |
| Pickens, South Carolina | 148 | $ 16,841,000 | $ 113,790 | $ 57,000 |
| Orangeburg, South Carolina | 141 | $ 14,517,000 | $ 102,957 | $ 74,000 |
| Florence, South Carolina | 136 | $ 14,417,000 | $ 106,007 | $ 88,000 |
| Greenwood, South Carolina | 126 | $ 11,454,000 | $ 90,904 | $ 56,000 |
| Dorchester, South Carolina | 123 | $ 18,029,000 | $ 146,577 | $ 83,000 |
| Chester, South Carolina | 118 | $ 14,029,000 | $ 118,889 | $ 80,000 |
| Marlboro, South Carolina | 106 | $ 5,956,000 | $ 56,188 | $ 42,000 |
| Sumter, South Carolina | 100 | $ 9,288,000 | $ 92,880 | $ 63,000 |
| Marion, South Carolina | 86 | $ 6,764,000 | $ 78,651 | $ 51,000 |
| Lancaster, South Carolina | 85 | $ 7,969,000 | $ 93,752 | $ 46,000 |
| Barnwell, South Carolina | 82 | $ 5,999,000 | $ 73,158 | $ 53,000 |
| Franklin, Georgia | 79 | $ 8,154,000 | $ 103,215 | $ 65,000 |
| Kershaw, South Carolina | 79 | $ 8,386,000 | $ 106,151 | $ 50,000 |
| Newberry, South Carolina | 73 | $ 7,539,000 | $ 103,273 | $ 51,000 |
| Hart, Georgia | 72 | $ 6,914,000 | $ 96,027 | $ 59,000 |
| Georgetown, South Carolina | 69 | $ 12,404,000 | $ 179,768 | $ 159,000 |
| Laurens, South Carolina | 68 | $ 5,259,000 | $ 77,338 | $ 47,000 |
| Beaufort, South Carolina | 58 | $ 13,181,000 | $ 227,258 | $ 103,000 |
| Abbeville, South Carolina | 53 | $ 4,179,000 | $ 78,849 | $ 48,000 |
| Edgefield, South Carolina | 48 | $ 5,121,000 | $ 106,687 | $ 61,000 |
| McDuffie, Georgia | 47 | $ 3,669,000 | $ 78,063 | $ 43,000 |
| Clarendon, South Carolina | 43 | $ 4,984,000 | $ 115,906 | $ 73,000 |
| Saluda, South Carolina | 42 | $ 3,678,000 | $ 87,571 | $ 79,000 |
| Fairfield, South Carolina | 36 | $ 5,075,000 | $ 140,972 | $ 74,000 |
| Lee, South Carolina | 36 | $ 2,022,000 | $ 56,166 | $ 39,000 |
| McCormick, South Carolina | 33 | $ 3,682,000 | $ 111,575 | $ 61,000 |
| Warren, Georgia | 26 | $ 1,460,000 | $ 56,153 | $ 44,000 |
| Cherokee, South Carolina | 20 | $ 1,823,000 | $ 91,150 | $ 50,000 |
| Calhoun, South Carolina | 15 | $ 1,322,000 | $ 88,133 | $ 94,000 |
| Mecklenburg, North Carolina | 14 | $ 2,410,000 | $ 172,142 | $ 86,000 |
| Colleton, South Carolina | 14 | $ 3,354,000 | $ 239,571 | $ 184,000 |
| Columbia, Georgia | 13 | $ 1,602,000 | $ 123,230 | $ 82,000 |
| Union, North Carolina | 13 | $ 1,729,000 | $ 133,000 | $ 87,000 |
| Union, South Carolina | 13 | $ 1,854,000 | $ 142,615 | $ 62,000 |
| Brunswick, North Carolina | 12 | $ 3,870,000 | $ 322,500 | $ 181,000 |
| Jefferson, Georgia | 10 | $ 1,102,000 | $ 110,200 | $ 45,000 |
| Elbert, Georgia | 9 | $ 972,000 | $ 108,000 | $ 88,000 |
| Williamsburg, South Carolina | 9 | $ 1,274,000 | $ 141,555 | $ 106,000 |
| Polk, North Carolina | 8 | $ 846,000 | $ 105,750 | $ 53,000 |
| Habersham, Georgia | 5 | $ 566,000 | $ 113,200 | $ 232,000 |
| Madison, Georgia | 5 | $ 682,000 | $ 136,400 | $ 47,000 |
| Jackson, North Carolina | 5 | $ 1,109,000 | $ 221,800 | $ 151,000 |
| Scotland, North Carolina | 5 | $ 242,000 | $ 48,400 | $ 36,000 |
| Jackson, Georgia | 4 | $ 437,000 | $ 109,250 | $ 59,000 |
| Gaston, North Carolina | 4 | $ 377,000 | $ 94,250 | $ 34,000 |
| Allendale, South Carolina | 4 | $ 132,000 | $ 33,000 | $ 71,000 |
| Hampton, South Carolina | 4 | $ 232,000 | $ 58,000 | $ 43,000 |
| Glascock, Georgia | 3 | $ 70,000 | $ 23,333 | $ 55,000 |
| Robeson, North Carolina | 3 | $ 151,000 | $ 50,333 | $ 29,000 |
| Rutherford, North Carolina | 3 | $ 454,000 | $ 151,333 | $ 99,000 |
| Watauga, North Carolina | 3 | $ 770,000 | $ 256,666 | $ 201,000 |
| Bamberg, South Carolina | 3 | $ 125,000 | $ 41,666 | $ 32,000 |
| Jasper, South Carolina | 3 | $ 595,000 | $ 198,333 | $ 131,000 |
| Clarke, Georgia | 2 | $ 205,000 | $ 102,500 | $ 325,000 |
| Fulton, Georgia | 2 | $ 502,000 | $ 251,000 | $ 149,000 |
| Morgan, Georgia | 2 | $ 342,000 | $ 171,000 | $ 41,000 |
| Richmond, Georgia | 2 | $ 301,000 | $ 150,500 | $ 123,000 |
| Anson, North Carolina | 2 | $ 10,000 | $ 5,000 | $ 32,000 |
| Orange, North Carolina | 2 | $ 404,000 | $ 202,000 | $ 92,000 |
| Richmond, North Carolina | 2 | $ 260,000 | $ 130,000 | $ 93,000 |
| Wake, North Carolina | 2 | $ 505,000 | $ 252,500 | $ 41,000 |
| Fairfield, Connecticut | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Baldwin, Georgia | 1 | $ 74,000 | $ 74,000 | $ 78,000 |
| Banks, Georgia | 1 | $ 13,000 | $ 13,000 | $ 54,000 |
| Burke, Georgia | 1 | $ 112,000 | $ 112,000 | $ 94,000 |
| Cobb, Georgia | 1 | $ 150,000 | $ 150,000 | $ 91,000 |
| Greene, Georgia | 1 | $ 484,000 | $ 484,000 | $ 340,000 |
| Gwinnett, Georgia | 1 | $ 280,000 | $ 280,000 | $ 103,000 |
| Hancock, Georgia | 1 | $ 50,000 | $ 50,000 | $ 10,000 |
| Henry, Georgia | 1 | $ 109,000 | $ 109,000 | $ 101,000 |
| Oconee, Georgia | 1 | $ 279,000 | $ 279,000 | $ 78,000 |
| Rabun, Georgia | 1 | $ 13,000 | $ 13,000 | $ 17,000 |
| Towns, Georgia | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Washington, Georgia | 1 | $ 141,000 | $ 141,000 | $ 159,000 |
| Cabarrus, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 81,000 |
| Caldwell, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 101,000 |
| Carteret, North Carolina | 1 | $ 109,000 | $ 109,000 | $ 144,000 |
| Forsyth, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Guilford, North Carolina | 1 | $ 154,000 | $ 154,000 | $ 85,000 |
| Henderson, North Carolina | 1 | $ 120,000 | $ 120,000 | $ 89,000 |
| Iredell, North Carolina | 1 | $ 118,000 | $ 118,000 | $ 60,000 |
| Johnston, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Macon, North Carolina | 1 | $ 120,000 | $ 120,000 | $ 138,000 |
| McDowell, North Carolina | 1 | $ 180,000 | $ 180,000 | $ 93,000 |
| Moore, North Carolina | 1 | $ 162,000 | $ 162,000 | $ 62,000 |
| Stanly, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| Swain, North Carolina | 1 | $ 51,000 | $ 51,000 | $ 52,000 |
| Transylvania, North Carolina | 1 | $ 123,000 | $ 123,000 | $ 124,000 |
| Warren, North Carolina | 1 | $ 106,000 | $ 106,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for First Citizens Bank & Trust Co in 2005
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 | 2,961 | $377,425,000 | $140,000 | $1,643,000 | $80,333 | $4,768,000 |
| Refinancing | 2,777 | $328,430,000 | $153,500 | $1,151,000 | $54,250 | $1,380,000 |
| Home Improvement | 367 | $20,877,000 | $46,666 | $706,000 | $58,333 | $1,445,000 |
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 | 4,765 | $596,412,000 | $129,666 | $1,643,000 | $78,666 | $4,768,000 |
| Black or African American | 646 | $48,845,000 | $51,333 | $800,000 | $42,000 | $1,500,000 |
| Not Provided | 431 | $47,454,000 | $90,000 | $1,151,000 | $80,000 | $810,000 |
| Hispanic | 93 | $10,062,000 | $148,000 | $650,000 | $82,666 | $375,000 |
| Asian | 87 | $10,137,000 | $111,666 | $500,000 | $128,666 | $1,360,000 |
| Not applicable | 54 | $9,800,000 | $223,500 | $961,000 | $0 | $0 |
| American Indian or Alaskan Native | 25 | $3,170,000 | $126,000 | $535,000 | $69,000 | $397,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $852,000 | $213,000 | $360,000 | $146,000 | $373,000 |
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) | 6,032 | $719,253,000 | $159,250 | $1,643,000 | $56,250 | $4,768,000 |
| FHA-insured (Federal Housing Administration) | 44 | $4,036,000 | $107,000 | $192,000 | $38,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 29 | $3,443,000 | $116,000 | $250,000 | $41,500 | $108,000 |
| 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 | 4,445 | $534,480,000 | $164,000 | $1,643,000 | $65,250 | $3,600,000 |
| Application Approved But Not Accepted | 849 | $110,406,000 | $118,666 | $800,000 | $75,000 | $4,768,000 |
| Application Denied By Financial Institution | 760 | $74,350,000 | $100,666 | $978,000 | $39,666 | $1,200,000 |
| Application Withdrawn By Applicant | 50 | $7,396,000 | $174,000 | $585,000 | $92,500 | $750,000 |
| File Closed For Incompleteness | 1 | $100,000 | $100,000 | $100,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 299 | $34,324,000 | $111,666 | $978,000 | $32,000 | $550,000 |
| Credit History | 279 | $25,932,000 | $95,666 | $600,000 | $37,666 | $468,000 |
| Other | 153 | $10,356,000 | $80,000 | $305,000 | $58,666 | $793,000 |
| Collateral | 21 | $2,557,000 | $91,000 | $304,000 | $82,000 | $1,200,000 |
| Employment History | 5 | $582,000 | $121,500 | $192,000 | $31,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $217,000 | $108,000 | $129,000 | $51,000 | $54,000 |
| Unverifiable Information | 1 | $382,000 | $382,000 | $382,000 | $227,000 | $227,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $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 2005 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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with aggregated HMDA statistics today.
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