First Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2006
In 2006, First Citizens Bank & Trust Co of Columbia, SC reported 6,531 mortgage applications totaling $798.9 million, up 7% from 2005. The average application was for $122,329, and applicants reported an average income of $85,178. 74% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Columbia, SC (1,034), Charleston-North Charleston, SC (587) and Greenville, SC (463) (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 | 6,531 |
| Total Mortgage Loan Application Amount | $798,933,000 |
| Average Mortgage Loan Application Amount | $122,329 |
| Highest Mortgage Loan Application Amount | $2,750,000 |
| Average Applicant Income | $85,178 |
| Highest Applicant Income | $5,403,000 |
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records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 459 | $ 63,665,000 | $ 138,703 | $ 91,000 |
| Spartanburg, South Carolina | 389 | $ 37,047,000 | $ 95,236 | $ 72,000 |
| Lexington, South Carolina | 378 | $ 49,254,000 | $ 130,301 | $ 87,000 |
| Aiken, South Carolina | 292 | $ 41,427,000 | $ 141,873 | $ 93,000 |
| Darlington, South Carolina | 259 | $ 25,767,000 | $ 99,486 | $ 70,000 |
| Charleston, South Carolina | 258 | $ 64,250,000 | $ 249,031 | $ 134,000 |
| Horry, South Carolina | 253 | $ 48,236,000 | $ 190,656 | $ 130,000 |
| Anderson, South Carolina | 248 | $ 25,305,000 | $ 102,036 | $ 78,000 |
| Greenville, South Carolina | 237 | $ 36,674,000 | $ 154,742 | $ 102,000 |
| Berkeley, South Carolina | 210 | $ 29,807,000 | $ 141,938 | $ 83,000 |
| Dillon, South Carolina | 204 | $ 10,745,000 | $ 52,671 | $ 77,000 |
| York, South Carolina | 197 | $ 24,187,000 | $ 122,776 | $ 62,000 |
| Chesterfield, South Carolina | 185 | $ 12,349,000 | $ 66,751 | $ 62,000 |
| Florence, South Carolina | 162 | $ 16,409,000 | $ 101,290 | $ 75,000 |
| Oconee, South Carolina | 157 | $ 21,978,000 | $ 139,987 | $ 77,000 |
| Pickens, South Carolina | 156 | $ 19,143,000 | $ 122,711 | $ 91,000 |
| Orangeburg, South Carolina | 153 | $ 14,350,000 | $ 93,790 | $ 81,000 |
| Chester, South Carolina | 144 | $ 14,361,000 | $ 99,729 | $ 67,000 |
| Marlboro, South Carolina | 139 | $ 6,789,000 | $ 48,841 | $ 57,000 |
| Lancaster, South Carolina | 121 | $ 14,789,000 | $ 122,223 | $ 83,000 |
| Hart, Georgia | 120 | $ 10,658,000 | $ 88,816 | $ 65,000 |
| Dorchester, South Carolina | 119 | $ 17,010,000 | $ 142,941 | $ 75,000 |
| Stephens, Georgia | 117 | $ 8,379,000 | $ 71,615 | $ 69,000 |
| Greenwood, South Carolina | 115 | $ 9,496,000 | $ 82,573 | $ 67,000 |
| Sumter, South Carolina | 110 | $ 11,184,000 | $ 101,672 | $ 104,000 |
| Kershaw, South Carolina | 100 | $ 11,397,000 | $ 113,970 | $ 81,000 |
| Newberry, South Carolina | 90 | $ 10,578,000 | $ 117,533 | $ 69,000 |
| Marion, South Carolina | 83 | $ 6,030,000 | $ 72,650 | $ 82,000 |
| Franklin, Georgia | 81 | $ 7,258,000 | $ 89,604 | $ 61,000 |
| Abbeville, South Carolina | 77 | $ 5,453,000 | $ 70,818 | $ 81,000 |
| Beaufort, South Carolina | 76 | $ 22,567,000 | $ 296,934 | $ 146,000 |
| Barnwell, South Carolina | 72 | $ 5,130,000 | $ 71,250 | $ 67,000 |
| Laurens, South Carolina | 70 | $ 6,439,000 | $ 91,985 | $ 66,000 |
| Georgetown, South Carolina | 68 | $ 18,285,000 | $ 268,897 | $ 138,000 |
| Edgefield, South Carolina | 65 | $ 7,485,000 | $ 115,153 | $ 81,000 |
| Saluda, South Carolina | 56 | $ 4,218,000 | $ 75,321 | $ 85,000 |
| Lee, South Carolina | 47 | $ 2,870,000 | $ 61,063 | $ 52,000 |
| Clarendon, South Carolina | 43 | $ 4,343,000 | $ 101,000 | $ 111,000 |
| McDuffie, Georgia | 38 | $ 3,206,000 | $ 84,368 | $ 61,000 |
| Fairfield, South Carolina | 31 | $ 3,176,000 | $ 102,451 | $ 76,000 |
| Warren, Georgia | 29 | $ 2,449,000 | $ 84,448 | $ 67,000 |
| Mecklenburg, North Carolina | 27 | $ 4,084,000 | $ 151,259 | $ 61,000 |
| Union, South Carolina | 22 | $ 1,246,000 | $ 56,636 | $ 84,000 |
| McCormick, South Carolina | 21 | $ 2,656,000 | $ 126,476 | $ 71,000 |
| Cherokee, South Carolina | 13 | $ 952,000 | $ 73,230 | $ 45,000 |
| Columbia, Georgia | 12 | $ 1,774,000 | $ 147,833 | $ 84,000 |
| Habersham, Georgia | 12 | $ 739,000 | $ 61,583 | $ 52,000 |
| Haywood, North Carolina | 12 | $ 1,741,000 | $ 145,083 | $ 130,000 |
| Williamsburg, South Carolina | 12 | $ 980,000 | $ 81,666 | $ 62,000 |
| Brunswick, North Carolina | 11 | $ 2,469,000 | $ 224,454 | $ 177,000 |
| Union, North Carolina | 11 | $ 1,620,000 | $ 147,272 | $ 72,000 |
| Colleton, South Carolina | 11 | $ 3,021,000 | $ 274,636 | $ 260,000 |
| Richmond, Georgia | 10 | $ 1,020,000 | $ 102,000 | $ 64,000 |
| Calhoun, South Carolina | 10 | $ 894,000 | $ 89,400 | $ 135,000 |
| Glascock, Georgia | 9 | $ 448,000 | $ 49,777 | $ 49,000 |
| Polk, North Carolina | 9 | $ 2,581,000 | $ 286,777 | $ 165,000 |
| Elbert, Georgia | 8 | $ 894,000 | $ 111,750 | $ 65,000 |
| Jefferson, Georgia | 7 | $ 615,000 | $ 87,857 | $ 178,000 |
| Jackson, North Carolina | 7 | $ 1,155,000 | $ 165,000 | $ 158,000 |
| Robeson, North Carolina | 6 | $ 353,000 | $ 58,833 | $ 40,000 |
| Allendale, South Carolina | 6 | $ 285,000 | $ 47,500 | $ 57,000 |
| Rutherford, North Carolina | 5 | $ 1,461,000 | $ 292,200 | $ 240,000 |
| Hampton, South Carolina | 5 | $ 201,000 | $ 40,200 | $ 163,000 |
| Gaston, North Carolina | 4 | $ 445,000 | $ 111,250 | $ 88,000 |
| Moore, North Carolina | 4 | $ 742,000 | $ 185,500 | $ 182,000 |
| Scotland, North Carolina | 4 | $ 278,000 | $ 69,500 | $ 92,000 |
| DeKalb, Georgia | 3 | $ 609,000 | $ 203,000 | $ 342,000 |
| Wake, North Carolina | 3 | $ 366,000 | $ 122,000 | $ 72,000 |
| Bamberg, South Carolina | 3 | $ 232,000 | $ 77,333 | $ 41,000 |
| Clarke, Georgia | 2 | $ 240,000 | $ 120,000 | $ 108,000 |
| Dougherty, Georgia | 2 | $ 300,000 | $ 150,000 | $ 240,000 |
| Fulton, Georgia | 2 | $ 401,000 | $ 200,500 | $ 81,000 |
| Jackson, Georgia | 2 | $ 438,000 | $ 219,000 | $ 81,000 |
| Durham, North Carolina | 2 | $ 290,000 | $ 145,000 | $ 68,000 |
| Macon, North Carolina | 2 | $ 338,000 | $ 169,000 | $ 118,000 |
| New Hanover, North Carolina | 2 | $ 455,000 | $ 227,500 | $ 128,000 |
| Watauga, North Carolina | 2 | $ 559,000 | $ 279,500 | $ 270,000 |
| Fairfield, Connecticut | 1 | $ 256,000 | $ 256,000 | $ 765,000 |
| Escambia, Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 2,750,000 | $ 2,750,000 | $ 0 |
| Volusia, Florida | 1 | $ 300,000 | $ 300,000 | $ 180,000 |
| Banks, Georgia | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Bibb, Georgia | 1 | $ 219,000 | $ 219,000 | $ 104,000 |
| Burke, Georgia | 1 | $ 34,000 | $ 34,000 | $ 161,000 |
| Chatham, Georgia | 1 | $ 300,000 | $ 300,000 | $ 72,000 |
| Coweta, Georgia | 1 | $ 164,000 | $ 164,000 | $ 62,000 |
| Dawson, Georgia | 1 | $ 110,000 | $ 110,000 | $ 49,000 |
| Douglas, Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 169,000 | $ 169,000 | $ 38,000 |
| Hall, Georgia | 1 | $ 208,000 | $ 208,000 | $ 95,000 |
| Lincoln, Georgia | 1 | $ 56,000 | $ 56,000 | $ 51,000 |
| Madison, Georgia | 1 | $ 67,000 | $ 67,000 | $ 159,000 |
| Oconee, Georgia | 1 | $ 234,000 | $ 234,000 | $ 78,000 |
| Peach, Georgia | 1 | $ 34,000 | $ 34,000 | $ 67,000 |
| Spalding, Georgia | 1 | $ 17,000 | $ 17,000 | $ 131,000 |
| Washington, Georgia | 1 | $ 24,000 | $ 24,000 | $ 16,000 |
| Avery, North Carolina | 1 | $ 188,000 | $ 188,000 | $ 161,000 |
| Buncombe, North Carolina | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Catawba, North Carolina | 1 | $ 156,000 | $ 156,000 | $ 69,000 |
| Cleveland, North Carolina | 1 | $ 7,000 | $ 7,000 | $ 29,000 |
| Cumberland, North Carolina | 1 | $ 260,000 | $ 260,000 | $ 226,000 |
| Davidson, North Carolina | 1 | $ 137,000 | $ 137,000 | $ 56,000 |
| Guilford, North Carolina | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Henderson, North Carolina | 1 | $ 117,000 | $ 117,000 | $ 96,000 |
| Johnston, North Carolina | 1 | $ 109,000 | $ 109,000 | $ 44,000 |
| Lee, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 21,000 |
| Montgomery, North Carolina | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| Person, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 120,000 |
| Richmond, North Carolina | 1 | $ 36,000 | $ 36,000 | $ 43,000 |
| Rockingham, North Carolina | 1 | $ 43,000 | $ 43,000 | $ 60,000 |
| Sampson, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Transylvania, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 360,000 |
| Washington, North Carolina | 1 | $ 137,000 | $ 137,000 | $ 129,000 |
| Wayne, North Carolina | 1 | $ 40,000 | $ 40,000 | $ 86,000 |
| Yadkin, North Carolina | 1 | $ 23,000 | $ 23,000 | $ 30,000 |
| Jasper, South Carolina | 1 | $ 338,000 | $ 338,000 | $ 177,000 |
| Mercer, West Virginia | 1 | $ 51,000 | $ 51,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for First Citizens Bank & Trust Co in 2006
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 | 3,141 | $421,688,000 | $134,000 | $2,750,000 | $90,000 | $5,403,000 |
| Refinancing | 2,905 | $350,004,000 | $120,000 | $2,120,000 | $83,000 | $2,320,000 |
| Home Improvement | 485 | $27,241,000 | $56,000 | $599,000 | $67,000 | $778,000 |
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 | 5,087 | $647,832,000 | $127,000 | $2,425,000 | $88,000 | $5,403,000 |
| Black or African American | 711 | $52,360,000 | $73,000 | $974,000 | $59,000 | $1,500,000 |
| Not Provided | 481 | $57,385,000 | $119,000 | $830,000 | $114,000 | $2,320,000 |
| Hispanic | 76 | $6,245,000 | $82,000 | $283,000 | $59,000 | $360,000 |
| Not applicable | 74 | $18,346,000 | $247,000 | $2,750,000 | $0 | $0 |
| Asian | 71 | $12,955,000 | $182,000 | $2,120,000 | $82,000 | $475,000 |
| American Indian or Alaskan Native | 23 | $2,705,000 | $117,000 | $675,000 | $57,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,105,000 | $138,000 | $364,000 | $97,000 | $231,000 |
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) | 6,456 | $790,852,000 | $122,000 | $2,750,000 | $86,000 | $5,403,000 |
| FHA-insured (Federal Housing Administration) | 52 | $4,982,000 | $95,000 | $252,000 | $48,000 | $448,000 |
| VA-guaranteed (Veterans Administration) | 23 | $3,099,000 | $134,000 | $336,000 | $48,000 | $152,000 |
| 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 | 4,806 | $599,083,000 | $124,000 | $2,750,000 | $92,000 | $5,403,000 |
| Application Denied By Financial Institution | 886 | $82,899,000 | $93,000 | $1,136,000 | $52,000 | $567,000 |
| Application Approved But Not Accepted | 784 | $109,696,000 | $139,000 | $2,120,000 | $82,000 | $1,500,000 |
| Application Withdrawn By Applicant | 55 | $7,255,000 | $131,000 | $581,000 | $74,000 | $250,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 | 321 | $37,210,000 | $115,000 | $1,136,000 | $51,000 | $511,000 |
| Credit History | 319 | $24,346,000 | $76,000 | $417,000 | $47,000 | $567,000 |
| Other | 190 | $12,667,000 | $66,000 | $505,000 | $59,000 | $360,000 |
| Collateral | 27 | $3,407,000 | $126,000 | $499,000 | $65,000 | $223,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,975,000 | $164,000 | $699,000 | $70,000 | $300,000 |
| Employment History | 10 | $1,506,000 | $150,000 | $296,000 | $47,000 | $150,000 |
| Unverifiable Information | 5 | $1,193,000 | $238,000 | $750,000 | $72,000 | $197,000 |
| Mortgage Insurance Denied | 1 | $145,000 | $145,000 | $145,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 1 | $450,000 | $450,000 | $450,000 | $214,000 | $214,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Citizens Bank & Trust Co's 2006 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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