First Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2007
In 2007, First Citizens Bank & Trust Co of Columbia, SC reported 7,003 mortgage applications totaling $971.4 million, up 7% from 2006. The average application was for $138,715, and applicants reported an average income of $91,929. 72% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Columbia, SC (1,105), Charleston-North Charleston, SC (645) and Greenville-Mauldin-Easley, SC (563) (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 | 7,003 |
| Total Mortgage Loan Application Amount | $971,424,000 |
| Average Mortgage Loan Application Amount | $138,715 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $91,929 |
| Highest Applicant Income | $6,000,000 |
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records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 527 | $ 78,110,000 | $ 148,216 | $ 106,000 |
| Spartanburg, South Carolina | 405 | $ 41,705,000 | $ 102,975 | $ 85,000 |
| Lexington, South Carolina | 386 | $ 56,973,000 | $ 147,598 | $ 80,000 |
| Greenville, South Carolina | 335 | $ 58,696,000 | $ 175,211 | $ 114,000 |
| Aiken, South Carolina | 297 | $ 43,304,000 | $ 145,804 | $ 80,000 |
| Horry, South Carolina | 286 | $ 48,789,000 | $ 170,590 | $ 129,000 |
| Charleston, South Carolina | 281 | $ 84,659,000 | $ 301,277 | $ 158,000 |
| Dillon, South Carolina | 248 | $ 14,508,000 | $ 58,500 | $ 64,000 |
| Anderson, South Carolina | 229 | $ 34,715,000 | $ 151,593 | $ 112,000 |
| Darlington, South Carolina | 229 | $ 24,794,000 | $ 108,270 | $ 65,000 |
| Berkeley, South Carolina | 224 | $ 36,093,000 | $ 161,129 | $ 112,000 |
| York, South Carolina | 220 | $ 33,527,000 | $ 152,395 | $ 83,000 |
| Orangeburg, South Carolina | 201 | $ 21,522,000 | $ 107,074 | $ 85,000 |
| Chester, South Carolina | 182 | $ 20,307,000 | $ 111,576 | $ 84,000 |
| Chesterfield, South Carolina | 181 | $ 13,536,000 | $ 74,784 | $ 58,000 |
| Pickens, South Carolina | 165 | $ 21,250,000 | $ 128,787 | $ 109,000 |
| Oconee, South Carolina | 159 | $ 22,953,000 | $ 144,358 | $ 80,000 |
| Florence, South Carolina | 156 | $ 17,545,000 | $ 112,467 | $ 68,000 |
| Stephens, Georgia | 153 | $ 14,511,000 | $ 94,843 | $ 63,000 |
| Dorchester, South Carolina | 140 | $ 23,316,000 | $ 166,542 | $ 79,000 |
| Lancaster, South Carolina | 135 | $ 19,130,000 | $ 141,703 | $ 80,000 |
| Beaufort, South Carolina | 127 | $ 36,125,000 | $ 284,448 | $ 139,000 |
| Marlboro, South Carolina | 116 | $ 6,382,000 | $ 55,017 | $ 52,000 |
| Sumter, South Carolina | 114 | $ 15,033,000 | $ 131,868 | $ 88,000 |
| Marion, South Carolina | 109 | $ 8,461,000 | $ 77,623 | $ 52,000 |
| Franklin, Georgia | 93 | $ 8,635,000 | $ 92,849 | $ 85,000 |
| Hart, Georgia | 90 | $ 11,317,000 | $ 125,744 | $ 118,000 |
| Kershaw, South Carolina | 90 | $ 12,953,000 | $ 143,922 | $ 76,000 |
| Greenwood, South Carolina | 89 | $ 8,021,000 | $ 90,123 | $ 61,000 |
| Barnwell, South Carolina | 83 | $ 7,991,000 | $ 96,277 | $ 84,000 |
| Newberry, South Carolina | 81 | $ 8,806,000 | $ 108,716 | $ 78,000 |
| McDuffie, Georgia | 76 | $ 8,150,000 | $ 107,236 | $ 59,000 |
| Laurens, South Carolina | 63 | $ 5,683,000 | $ 90,206 | $ 60,000 |
| Edgefield, South Carolina | 61 | $ 6,316,000 | $ 103,540 | $ 104,000 |
| Georgetown, South Carolina | 61 | $ 16,712,000 | $ 273,967 | $ 150,000 |
| Abbeville, South Carolina | 52 | $ 4,481,000 | $ 86,173 | $ 64,000 |
| Saluda, South Carolina | 51 | $ 4,353,000 | $ 85,352 | $ 92,000 |
| Fairfield, South Carolina | 41 | $ 6,542,000 | $ 159,560 | $ 99,000 |
| Lee, South Carolina | 40 | $ 2,656,000 | $ 66,400 | $ 75,000 |
| Clarendon, South Carolina | 36 | $ 3,826,000 | $ 106,277 | $ 88,000 |
| McCormick, South Carolina | 30 | $ 4,694,000 | $ 156,466 | $ 64,000 |
| Warren, Georgia | 28 | $ 1,279,000 | $ 45,678 | $ 60,000 |
| Union, South Carolina | 23 | $ 1,461,000 | $ 63,521 | $ 56,000 |
| Mecklenburg, North Carolina | 21 | $ 3,546,000 | $ 168,857 | $ 113,000 |
| Cherokee, South Carolina | 19 | $ 1,833,000 | $ 96,473 | $ 54,000 |
| Colleton, South Carolina | 18 | $ 3,250,000 | $ 180,555 | $ 126,000 |
| Elbert, Georgia | 11 | $ 1,167,000 | $ 106,090 | $ 55,000 |
| Jefferson, Georgia | 11 | $ 1,472,000 | $ 133,818 | $ 70,000 |
| Richmond, Georgia | 11 | $ 1,146,000 | $ 104,181 | $ 101,000 |
| Columbia, Georgia | 10 | $ 1,982,000 | $ 198,200 | $ 100,000 |
| Madison, Georgia | 10 | $ 1,506,000 | $ 150,600 | $ 85,000 |
| Brunswick, North Carolina | 10 | $ 2,547,000 | $ 254,700 | $ 193,000 |
| Calhoun, South Carolina | 10 | $ 799,000 | $ 79,900 | $ 70,000 |
| Glascock, Georgia | 9 | $ 581,000 | $ 64,555 | $ 83,000 |
| Habersham, Georgia | 9 | $ 1,256,000 | $ 139,555 | $ 63,000 |
| Union, North Carolina | 9 | $ 1,374,000 | $ 152,666 | $ 106,000 |
| Williamsburg, South Carolina | 8 | $ 920,000 | $ 115,000 | $ 81,000 |
| Polk, North Carolina | 7 | $ 578,000 | $ 82,571 | $ 74,000 |
| Banks, Georgia | 6 | $ 1,984,000 | $ 330,666 | $ 140,000 |
| Fulton, Georgia | 6 | $ 1,374,000 | $ 229,000 | $ 321,000 |
| Robeson, North Carolina | 6 | $ 610,000 | $ 101,666 | $ 83,000 |
| Scotland, North Carolina | 6 | $ 801,000 | $ 133,500 | $ 61,000 |
| Bamberg, South Carolina | 6 | $ 576,000 | $ 96,000 | $ 59,000 |
| Gwinnett, Georgia | 5 | $ 1,144,000 | $ 228,800 | $ 65,000 |
| Buncombe, North Carolina | 5 | $ 1,052,000 | $ 210,400 | $ 92,000 |
| Clarke, Georgia | 4 | $ 404,000 | $ 101,000 | $ 106,000 |
| Columbus, North Carolina | 4 | $ 416,000 | $ 104,000 | $ 55,000 |
| Guilford, North Carolina | 4 | $ 738,000 | $ 184,500 | $ 129,000 |
| Haywood, North Carolina | 4 | $ 486,000 | $ 121,500 | $ 128,000 |
| McDowell, North Carolina | 4 | $ 758,000 | $ 189,500 | $ 138,000 |
| Wake, North Carolina | 4 | $ 566,000 | $ 141,500 | $ 113,000 |
| Watauga, North Carolina | 4 | $ 870,000 | $ 217,500 | $ 198,000 |
| Hampton, South Carolina | 4 | $ 664,000 | $ 166,000 | $ 140,000 |
| Anson, North Carolina | 3 | $ 469,000 | $ 156,333 | $ 44,000 |
| Henderson, North Carolina | 3 | $ 643,000 | $ 214,333 | $ 148,000 |
| Jackson, North Carolina | 3 | $ 1,480,000 | $ 493,333 | $ 256,000 |
| Rutherford, North Carolina | 3 | $ 666,000 | $ 222,000 | $ 184,000 |
| Grayson, Virginia | 3 | $ 441,000 | $ 147,000 | $ 138,000 |
| Gilmer, Georgia | 2 | $ 289,000 | $ 144,500 | $ 69,000 |
| Glynn, Georgia | 2 | $ 278,000 | $ 139,000 | $ 96,000 |
| Oconee, Georgia | 2 | $ 2,334,000 | $ 1,167,000 | $ 302,000 |
| Rabun, Georgia | 2 | $ 133,000 | $ 66,500 | $ 53,000 |
| Beaufort, North Carolina | 2 | $ 90,000 | $ 45,000 | $ 55,000 |
| Cleveland, North Carolina | 2 | $ 110,000 | $ 55,000 | $ 125,000 |
| Macon, North Carolina | 2 | $ 199,000 | $ 99,500 | $ 84,000 |
| New Hanover, North Carolina | 2 | $ 2,299,000 | $ 1,149,500 | $ 405,000 |
| Transylvania, North Carolina | 2 | $ 314,000 | $ 157,000 | $ 99,000 |
| Allendale, South Carolina | 2 | $ 102,000 | $ 51,000 | $ 23,000 |
| Clarke, Alabama | 1 | $ 120,000 | $ 120,000 | $ 27,000 |
| Barrow, Georgia | 1 | $ 78,000 | $ 78,000 | $ 60,000 |
| Bulloch, Georgia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 182,000 | $ 182,000 | $ 792,000 |
| Greene, Georgia | 1 | $ 924,000 | $ 924,000 | $ 690,000 |
| Jackson, Georgia | 1 | $ 152,000 | $ 152,000 | $ 125,000 |
| Jasper, Georgia | 1 | $ 300,000 | $ 300,000 | $ 100,000 |
| Lincoln, Georgia | 1 | $ 199,000 | $ 199,000 | $ 132,000 |
| Muscogee, Georgia | 1 | $ 75,000 | $ 75,000 | $ 112,000 |
| Oglethorpe, Georgia | 1 | $ 64,000 | $ 64,000 | $ 125,000 |
| Union, Georgia | 1 | $ 162,000 | $ 162,000 | $ 340,000 |
| White, Georgia | 1 | $ 87,000 | $ 87,000 | $ 30,000 |
| Marion, Indiana | 1 | $ 123,000 | $ 123,000 | $ 50,000 |
| Alamance, North Carolina | 1 | $ 132,000 | $ 132,000 | $ 70,000 |
| Cabarrus, North Carolina | 1 | $ 122,000 | $ 122,000 | $ 40,000 |
| Caswell, North Carolina | 1 | $ 113,000 | $ 113,000 | $ 40,000 |
| Catawba, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Cumberland, North Carolina | 1 | $ 144,000 | $ 144,000 | $ 125,000 |
| Forsyth, North Carolina | 1 | $ 268,000 | $ 268,000 | $ 911,000 |
| Iredell, North Carolina | 1 | $ 82,000 | $ 82,000 | $ 40,000 |
| Moore, North Carolina | 1 | $ 183,000 | $ 183,000 | $ 87,000 |
| Randolph, North Carolina | 1 | $ 168,000 | $ 168,000 | $ 76,000 |
| Richmond, North Carolina | 1 | $ 66,000 | $ 66,000 | $ 48,000 |
| Rockingham, North Carolina | 1 | $ 77,000 | $ 77,000 | $ 576,000 |
| Swain, North Carolina | 1 | $ 88,000 | $ 88,000 | $ 38,000 |
| Clark, South Dakota | 1 | $ 255,000 | $ 255,000 | $ 212,000 |
| Davidson, Tennessee | 1 | $ 365,000 | $ 365,000 | $ 96,000 |
| Sevier, Tennessee | 1 | $ 118,000 | $ 118,000 | $ 32,000 |
| Albemarle, Virginia | 1 | $ 160,000 | $ 160,000 | $ 43,000 |
| Kanawha, West Virginia | 1 | $ 250,000 | $ 250,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for First Citizens Bank & Trust Co in 2007
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 | 3,331 | $470,991,000 | $141,000 | $2,060,000 | $92,000 | $3,280,000 |
| Refinancing | 3,261 | $477,544,000 | $146,000 | $2,400,000 | $95,000 | $6,000,000 |
| Home Improvement | 411 | $22,889,000 | $55,000 | $932,000 | $67,000 | $686,000 |
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 | 5,348 | $778,255,000 | $145,000 | $2,100,000 | $98,000 | $6,000,000 |
| Black or African American | 780 | $63,866,000 | $81,000 | $700,000 | $58,000 | $1,656,000 |
| Not Provided | 590 | $77,540,000 | $131,000 | $1,500,000 | $98,000 | $1,250,000 |
| Hispanic | 92 | $12,153,000 | $132,000 | $648,000 | $83,000 | $600,000 |
| Asian | 88 | $13,850,000 | $157,000 | $575,000 | $88,000 | $435,000 |
| Not applicable | 71 | $20,705,000 | $291,000 | $2,400,000 | $0 | $0 |
| American Indian or Alaskan Native | 24 | $3,254,000 | $135,000 | $485,000 | $81,000 | $249,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,801,000 | $180,000 | $354,000 | $88,000 | $150,000 |
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) | 6,911 | $960,516,000 | $138,000 | $2,400,000 | $93,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 58 | $5,553,000 | $95,000 | $203,000 | $41,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 34 | $5,355,000 | $157,000 | $312,000 | $57,000 | $142,000 |
| 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 | 5,056 | $721,572,000 | $142,000 | $2,400,000 | $101,000 | $6,000,000 |
| Application Denied By Financial Institution | 977 | $101,657,000 | $104,000 | $2,070,000 | $55,000 | $3,000,000 |
| Application Approved But Not Accepted | 910 | $136,850,000 | $150,000 | $1,650,000 | $80,000 | $2,495,000 |
| Application Withdrawn By Applicant | 58 | $11,189,000 | $192,000 | $2,100,000 | $126,000 | $1,425,000 |
| File Closed For Incompleteness | 2 | $156,000 | $78,000 | $96,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 567 | $47,728,000 | $84,000 | $2,070,000 | $55,000 | $648,000 |
| Debt-To-Income Ratio | 336 | $43,063,000 | $128,000 | $1,615,000 | $44,000 | $360,000 |
| Collateral | 32 | $4,051,000 | $126,000 | $1,000,000 | $175,000 | $3,000,000 |
| Other | 15 | $2,469,000 | $164,000 | $360,000 | $60,000 | $207,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,437,000 | $119,000 | $257,000 | $63,000 | $332,000 |
| Employment History | 8 | $1,240,000 | $155,000 | $285,000 | $56,000 | $180,000 |
| Unverifiable Information | 3 | $295,000 | $98,000 | $120,000 | $45,000 | $80,000 |
| Mortgage Insurance Denied | 2 | $214,000 | $107,000 | $135,000 | $57,000 | $89,000 |
| Credit Application Incomplete | 2 | $1,160,000 | $580,000 | $960,000 | $125,000 | $250,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Citizens Bank & Trust Co's 2007 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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