First Citizens Bank & Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First Citizens Bank & Trust Co 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $117,400 |
| Highest Mortgage Loan Application Amount | $1,643,000 |
| Average Applicant Income | $63,300 |
| Highest Applicant Income | $4,768,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First Citizens Bank & Trust Co. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Citizens Bank & Trust Co's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down First Citizens Bank & Trust Co's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Citizens Bank & Trust Co serves its applicants.
Each category highlights the total number of mortgage applications processed by First Citizens Bank & Trust Co, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Citizens Bank & Trust Co's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Richland County South Carolina | 443 | $ 59,672,000 | $ 134,000 | $ 76,000 |
| Spartanburg County South Carolina | 395 | $ 43,017,000 | $ 108,000 | $ 58,000 |
| Lexington County South Carolina | 388 | $ 45,771,000 | $ 117,000 | $ 73,000 |
| Horry County South Carolina | 342 | $ 54,275,000 | $ 158,000 | $ 71,000 |
| Charleston County South Carolina | 267 | $ 60,901,000 | $ 228,000 | $ 108,000 |
| Darlington County South Carolina | 244 | $ 25,849,000 | $ 105,000 | $ 56,000 |
| Anderson County South Carolina | 218 | $ 22,816,000 | $ 104,000 | $ 55,000 |
| Chesterfield County South Carolina | 214 | $ 14,589,000 | $ 68,000 | $ 41,000 |
| Aiken County South Carolina | 192 | $ 25,064,000 | $ 130,000 | $ 65,000 |
| Berkeley County South Carolina | 190 | $ 28,811,000 | $ 151,000 | $ 71,000 |
| Stephens County Georgia | 180 | $ 12,680,000 | $ 70,000 | $ 56,000 |
| Greenville County South Carolina | 174 | $ 24,196,000 | $ 139,000 | $ 58,000 |
| Oconee County South Carolina | 166 | $ 22,631,000 | $ 136,000 | $ 63,000 |
| York County South Carolina | 166 | $ 20,192,000 | $ 121,000 | $ 66,000 |
| Dillon County South Carolina | 165 | $ 10,559,000 | $ 63,000 | $ 63,000 |
| Pickens County South Carolina | 148 | $ 16,841,000 | $ 113,000 | $ 57,000 |
| Orangeburg County South Carolina | 141 | $ 14,517,000 | $ 102,000 | $ 74,000 |
| Florence County South Carolina | 136 | $ 14,417,000 | $ 106,000 | $ 88,000 |
| Greenwood County South Carolina | 126 | $ 11,454,000 | $ 90,000 | $ 56,000 |
| Dorchester County South Carolina | 123 | $ 18,029,000 | $ 146,000 | $ 83,000 |
| Chester County South Carolina | 118 | $ 14,029,000 | $ 118,000 | $ 80,000 |
| Marlboro County South Carolina | 106 | $ 5,956,000 | $ 56,000 | $ 42,000 |
| Sumter County South Carolina | 100 | $ 9,288,000 | $ 92,000 | $ 63,000 |
| Marion County South Carolina | 86 | $ 6,764,000 | $ 78,000 | $ 51,000 |
| Lancaster County South Carolina | 85 | $ 7,969,000 | $ 93,000 | $ 46,000 |
| Barnwell County South Carolina | 82 | $ 5,999,000 | $ 73,000 | $ 53,000 |
| Franklin County Georgia | 79 | $ 8,154,000 | $ 103,000 | $ 65,000 |
| Kershaw County South Carolina | 79 | $ 8,386,000 | $ 106,000 | $ 50,000 |
| Newberry County South Carolina | 73 | $ 7,539,000 | $ 103,000 | $ 51,000 |
| Hart County Georgia | 72 | $ 6,914,000 | $ 96,000 | $ 59,000 |
| Georgetown County South Carolina | 69 | $ 12,404,000 | $ 179,000 | $ 159,000 |
| Laurens County South Carolina | 68 | $ 5,259,000 | $ 77,000 | $ 47,000 |
| Beaufort County South Carolina | 58 | $ 13,181,000 | $ 227,000 | $ 103,000 |
| Abbeville County South Carolina | 53 | $ 4,179,000 | $ 78,000 | $ 48,000 |
| Edgefield County South Carolina | 48 | $ 5,121,000 | $ 106,000 | $ 61,000 |
| McDuffie County Georgia | 47 | $ 3,669,000 | $ 78,000 | $ 43,000 |
| Clarendon County South Carolina | 43 | $ 4,984,000 | $ 115,000 | $ 73,000 |
| Saluda County South Carolina | 42 | $ 3,678,000 | $ 87,000 | $ 79,000 |
| Fairfield County South Carolina | 36 | $ 5,075,000 | $ 140,000 | $ 74,000 |
| Lee County South Carolina | 36 | $ 2,022,000 | $ 56,000 | $ 39,000 |
| McCormick County South Carolina | 33 | $ 3,682,000 | $ 111,000 | $ 61,000 |
| Warren County Georgia | 26 | $ 1,460,000 | $ 56,000 | $ 44,000 |
| Cherokee County South Carolina | 20 | $ 1,823,000 | $ 91,000 | $ 50,000 |
| Calhoun County South Carolina | 15 | $ 1,322,000 | $ 88,000 | $ 94,000 |
| Mecklenburg County North Carolina | 14 | $ 2,410,000 | $ 172,000 | $ 86,000 |
| Colleton County South Carolina | 14 | $ 3,354,000 | $ 239,000 | $ 184,000 |
| Columbia County Georgia | 13 | $ 1,602,000 | $ 123,000 | $ 82,000 |
| Union County North Carolina | 13 | $ 1,729,000 | $ 133,000 | $ 87,000 |
| Union County South Carolina | 13 | $ 1,854,000 | $ 142,000 | $ 62,000 |
| Brunswick County North Carolina | 12 | $ 3,870,000 | $ 322,000 | $ 181,000 |
| Jefferson County Georgia | 10 | $ 1,102,000 | $ 110,000 | $ 45,000 |
| Elbert County Georgia | 9 | $ 972,000 | $ 108,000 | $ 88,000 |
| Williamsburg County South Carolina | 9 | $ 1,274,000 | $ 141,000 | $ 106,000 |
| Polk County North Carolina | 8 | $ 846,000 | $ 105,000 | $ 53,000 |
| Habersham County Georgia | 5 | $ 566,000 | $ 113,000 | $ 232,000 |
| Madison County Georgia | 5 | $ 682,000 | $ 136,000 | $ 47,000 |
| Jackson County North Carolina | 5 | $ 1,109,000 | $ 221,000 | $ 151,000 |
| Scotland County North Carolina | 5 | $ 242,000 | $ 48,000 | $ 36,000 |
| Jackson County Georgia | 4 | $ 437,000 | $ 109,000 | $ 59,000 |
| Gaston County North Carolina | 4 | $ 377,000 | $ 94,000 | $ 34,000 |
| Allendale County South Carolina | 4 | $ 132,000 | $ 33,000 | $ 71,000 |
| Hampton County South Carolina | 4 | $ 232,000 | $ 58,000 | $ 43,000 |
| Glascock County Georgia | 3 | $ 70,000 | $ 23,000 | $ 55,000 |
| Robeson County North Carolina | 3 | $ 151,000 | $ 50,000 | $ 29,000 |
| Rutherford County North Carolina | 3 | $ 454,000 | $ 151,000 | $ 99,000 |
| Watauga County North Carolina | 3 | $ 770,000 | $ 256,000 | $ 201,000 |
| Bamberg County South Carolina | 3 | $ 125,000 | $ 41,000 | $ 32,000 |
| Jasper County South Carolina | 3 | $ 595,000 | $ 198,000 | $ 131,000 |
| Clarke County Georgia | 2 | $ 205,000 | $ 102,000 | $ 325,000 |
| Fulton County Georgia | 2 | $ 502,000 | $ 251,000 | $ 149,000 |
| Morgan County Georgia | 2 | $ 342,000 | $ 171,000 | $ 41,000 |
| Richmond County Georgia | 2 | $ 301,000 | $ 150,000 | $ 123,000 |
| Anson County North Carolina | 2 | $ 10,000 | $ 5,000 | $ 32,000 |
| Orange County North Carolina | 2 | $ 404,000 | $ 202,000 | $ 92,000 |
| Richmond County North Carolina | 2 | $ 260,000 | $ 130,000 | $ 93,000 |
| Wake County North Carolina | 2 | $ 505,000 | $ 252,000 | $ 41,000 |
| Fairfield County Connecticut | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Baldwin County Georgia | 1 | $ 74,000 | $ 74,000 | $ 78,000 |
| Banks County Georgia | 1 | $ 13,000 | $ 13,000 | $ 54,000 |
| Burke County Georgia | 1 | $ 112,000 | $ 112,000 | $ 94,000 |
| Cobb County Georgia | 1 | $ 150,000 | $ 150,000 | $ 91,000 |
| Greene County Georgia | 1 | $ 484,000 | $ 484,000 | $ 340,000 |
| Gwinnett County Georgia | 1 | $ 280,000 | $ 280,000 | $ 103,000 |
| Hancock County Georgia | 1 | $ 50,000 | $ 50,000 | $ 10,000 |
| Henry County Georgia | 1 | $ 109,000 | $ 109,000 | $ 101,000 |
| Oconee County Georgia | 1 | $ 279,000 | $ 279,000 | $ 78,000 |
| Rabun County Georgia | 1 | $ 13,000 | $ 13,000 | $ 17,000 |
| Towns County Georgia | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Washington County Georgia | 1 | $ 141,000 | $ 141,000 | $ 159,000 |
| Cabarrus County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 81,000 |
| Caldwell County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 101,000 |
| Carteret County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 144,000 |
| Forsyth County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Guilford County North Carolina | 1 | $ 154,000 | $ 154,000 | $ 85,000 |
| Henderson County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 89,000 |
| Iredell County North Carolina | 1 | $ 118,000 | $ 118,000 | $ 60,000 |
| Johnston County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Macon County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 138,000 |
| McDowell County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 93,000 |
| Moore County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 62,000 |
| Stanly County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| Swain County North Carolina | 1 | $ 51,000 | $ 51,000 | $ 52,000 |
| Transylvania County North Carolina | 1 | $ 123,000 | $ 123,000 | $ 124,000 |
| Warren County 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.
For a list of all lenders in South Carolina, download the full spreadsheet
with aggregated HMDA statistics today.