First Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2008
In 2008, First Citizens Bank & Trust Co of Columbia, SC reported 8,153 mortgage applications totaling $1.1 billion, up 16% from 2007. The average application was for $137,180, and applicants reported an average income of $89,287. 65% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Columbia, SC (1,536), Charleston-North Charleston-Summerville, SC (652) and Greenville-Mauldin-Easley, SC (650) (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 | 8,153 |
| Total Mortgage Loan Application Amount | $1,118,435,000 |
| Average Mortgage Loan Application Amount | $137,180 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $89,287 |
| Highest Applicant Income | $5,908,000 |
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records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 732 | $ 99,845,000 | $ 136,400 | $ 85,000 |
| Lexington, South Carolina | 542 | $ 80,156,000 | $ 147,889 | $ 91,000 |
| Spartanburg, South Carolina | 475 | $ 55,508,000 | $ 116,858 | $ 72,000 |
| Greenville, South Carolina | 373 | $ 63,022,000 | $ 168,959 | $ 116,000 |
| Horry, South Carolina | 335 | $ 54,839,000 | $ 163,698 | $ 91,000 |
| Charleston, South Carolina | 288 | $ 84,144,000 | $ 292,166 | $ 159,000 |
| York, South Carolina | 259 | $ 37,428,000 | $ 144,509 | $ 90,000 |
| Aiken, South Carolina | 255 | $ 33,966,000 | $ 133,200 | $ 102,000 |
| Dillon, South Carolina | 250 | $ 16,141,000 | $ 64,564 | $ 63,000 |
| Anderson, South Carolina | 238 | $ 34,093,000 | $ 143,247 | $ 95,000 |
| Chesterfield, South Carolina | 236 | $ 21,473,000 | $ 90,987 | $ 68,000 |
| Berkeley, South Carolina | 229 | $ 36,065,000 | $ 157,489 | $ 89,000 |
| Darlington, South Carolina | 229 | $ 25,874,000 | $ 112,986 | $ 72,000 |
| Florence, South Carolina | 212 | $ 24,721,000 | $ 116,608 | $ 107,000 |
| Pickens, South Carolina | 204 | $ 28,889,000 | $ 141,612 | $ 102,000 |
| Chester, South Carolina | 195 | $ 20,494,000 | $ 105,097 | $ 61,000 |
| Oconee, South Carolina | 188 | $ 26,242,000 | $ 139,585 | $ 91,000 |
| Lancaster, South Carolina | 187 | $ 21,126,000 | $ 112,973 | $ 62,000 |
| Orangeburg, South Carolina | 178 | $ 19,497,000 | $ 109,533 | $ 74,000 |
| Sumter, South Carolina | 166 | $ 18,868,000 | $ 113,662 | $ 88,000 |
| Stephens, Georgia | 153 | $ 12,875,000 | $ 84,150 | $ 68,000 |
| Beaufort, South Carolina | 151 | $ 38,415,000 | $ 254,403 | $ 148,000 |
| Hart, Georgia | 148 | $ 19,519,000 | $ 131,885 | $ 98,000 |
| Kershaw, South Carolina | 140 | $ 17,817,000 | $ 127,264 | $ 76,000 |
| Dorchester, South Carolina | 135 | $ 24,454,000 | $ 181,140 | $ 96,000 |
| Marlboro, South Carolina | 119 | $ 7,942,000 | $ 66,739 | $ 57,000 |
| Newberry, South Carolina | 113 | $ 12,849,000 | $ 113,707 | $ 85,000 |
| Marion, South Carolina | 112 | $ 7,908,000 | $ 70,607 | $ 61,000 |
| Franklin, Georgia | 100 | $ 9,055,000 | $ 90,550 | $ 66,000 |
| Greenwood, South Carolina | 94 | $ 11,827,000 | $ 125,819 | $ 87,000 |
| Barnwell, South Carolina | 83 | $ 7,666,000 | $ 92,361 | $ 75,000 |
| Edgefield, South Carolina | 74 | $ 8,718,000 | $ 117,810 | $ 88,000 |
| Laurens, South Carolina | 73 | $ 7,480,000 | $ 102,465 | $ 67,000 |
| McDuffie, Georgia | 67 | $ 5,467,000 | $ 81,597 | $ 58,000 |
| Abbeville, South Carolina | 64 | $ 6,113,000 | $ 95,515 | $ 64,000 |
| Clarendon, South Carolina | 59 | $ 9,981,000 | $ 169,169 | $ 93,000 |
| Georgetown, South Carolina | 59 | $ 12,238,000 | $ 207,423 | $ 136,000 |
| Saluda, South Carolina | 55 | $ 5,533,000 | $ 100,600 | $ 78,000 |
| Fairfield, South Carolina | 51 | $ 5,982,000 | $ 117,294 | $ 87,000 |
| Lee, South Carolina | 46 | $ 3,465,000 | $ 75,326 | $ 71,000 |
| Madison, Georgia | 32 | $ 4,501,000 | $ 140,656 | $ 64,000 |
| Richmond, Georgia | 28 | $ 3,256,000 | $ 116,285 | $ 98,000 |
| Warren, Georgia | 26 | $ 1,469,000 | $ 56,500 | $ 50,000 |
| Columbia, Georgia | 22 | $ 6,055,000 | $ 275,227 | $ 123,000 |
| Mecklenburg, North Carolina | 21 | $ 3,778,000 | $ 179,904 | $ 91,000 |
| Cherokee, South Carolina | 20 | $ 2,045,000 | $ 102,250 | $ 63,000 |
| McCormick, South Carolina | 20 | $ 2,270,000 | $ 113,500 | $ 89,000 |
| Union, North Carolina | 18 | $ 6,064,000 | $ 336,888 | $ 159,000 |
| Union, South Carolina | 17 | $ 871,000 | $ 51,235 | $ 55,000 |
| Calhoun, South Carolina | 16 | $ 2,207,000 | $ 137,937 | $ 112,000 |
| Elbert, Georgia | 15 | $ 2,570,000 | $ 171,333 | $ 104,000 |
| Colleton, South Carolina | 15 | $ 4,069,000 | $ 271,266 | $ 192,000 |
| Glascock, Georgia | 14 | $ 1,035,000 | $ 73,928 | $ 55,000 |
| Brunswick, North Carolina | 14 | $ 3,142,000 | $ 224,428 | $ 105,000 |
| Polk, North Carolina | 14 | $ 3,160,000 | $ 225,714 | $ 131,000 |
| Williamsburg, South Carolina | 14 | $ 1,763,000 | $ 125,928 | $ 139,000 |
| Jefferson, Georgia | 9 | $ 2,211,000 | $ 245,666 | $ 113,000 |
| Robeson, North Carolina | 8 | $ 802,000 | $ 100,250 | $ 67,000 |
| Bamberg, South Carolina | 8 | $ 543,000 | $ 67,875 | $ 52,000 |
| Habersham, Georgia | 6 | $ 914,000 | $ 152,333 | $ 129,000 |
| Lincoln, Georgia | 6 | $ 884,000 | $ 147,333 | $ 133,000 |
| Anson, North Carolina | 6 | $ 719,000 | $ 119,833 | $ 44,000 |
| Haywood, North Carolina | 6 | $ 734,000 | $ 122,333 | $ 148,000 |
| Henderson, North Carolina | 6 | $ 1,318,000 | $ 219,666 | $ 232,000 |
| Jasper, South Carolina | 6 | $ 1,230,000 | $ 205,000 | $ 60,000 |
| Gwinnett, Georgia | 5 | $ 1,327,000 | $ 265,400 | $ 109,000 |
| Richmond, North Carolina | 5 | $ 223,000 | $ 44,600 | $ 40,000 |
| Rutherford, North Carolina | 5 | $ 1,069,000 | $ 213,800 | $ 177,000 |
| Scotland, North Carolina | 5 | $ 503,000 | $ 100,600 | $ 82,000 |
| Allendale, South Carolina | 5 | $ 351,000 | $ 70,200 | $ 61,000 |
| Hampton, South Carolina | 5 | $ 366,000 | $ 73,200 | $ 40,000 |
| Burke, Georgia | 4 | $ 715,000 | $ 178,750 | $ 84,000 |
| Jackson, Georgia | 4 | $ 667,000 | $ 166,750 | $ 84,000 |
| Watauga, North Carolina | 4 | $ 2,121,000 | $ 530,250 | $ 446,000 |
| Chatham, Georgia | 3 | $ 407,000 | $ 135,666 | $ 94,000 |
| Clarke, Georgia | 3 | $ 1,606,000 | $ 535,333 | $ 241,000 |
| Cobb, Georgia | 3 | $ 773,000 | $ 257,666 | $ 144,000 |
| Fulton, Georgia | 3 | $ 369,000 | $ 123,000 | $ 65,000 |
| Oglethorpe, Georgia | 3 | $ 445,000 | $ 148,333 | $ 41,000 |
| Wilkes, Georgia | 3 | $ 205,000 | $ 68,333 | $ 67,000 |
| Buncombe, North Carolina | 3 | $ 1,858,000 | $ 619,333 | $ 241,000 |
| Columbus, North Carolina | 3 | $ 190,000 | $ 63,333 | $ 39,000 |
| Wake, North Carolina | 3 | $ 624,000 | $ 208,000 | $ 109,000 |
| Banks, Georgia | 2 | $ 74,000 | $ 37,000 | $ 169,000 |
| Cherokee, Georgia | 2 | $ 477,000 | $ 238,500 | $ 80,000 |
| Greene, Georgia | 2 | $ 823,000 | $ 411,500 | $ 331,000 |
| Hall, Georgia | 2 | $ 412,000 | $ 206,000 | $ 85,000 |
| Harnett, North Carolina | 2 | $ 172,000 | $ 86,000 | $ 63,000 |
| Jackson, North Carolina | 2 | $ 560,000 | $ 280,000 | $ 86,000 |
| McDowell, North Carolina | 2 | $ 316,000 | $ 158,000 | $ 113,000 |
| Transylvania, North Carolina | 2 | $ 552,000 | $ 276,000 | $ 325,000 |
| Sevier, Tennessee | 2 | $ 263,000 | $ 131,500 | $ 59,000 |
| Brevard, Florida | 1 | $ 110,000 | $ 110,000 | $ 181,000 |
| Marion, Florida | 1 | $ 192,000 | $ 192,000 | $ 89,000 |
| Baldwin, Georgia | 1 | $ 59,000 | $ 59,000 | $ 12,000 |
| Bibb, Georgia | 1 | $ 179,000 | $ 179,000 | $ 78,000 |
| DeKalb, Georgia | 1 | $ 313,000 | $ 313,000 | $ 40,000 |
| Gilmer, Georgia | 1 | $ 104,000 | $ 104,000 | $ 76,000 |
| Henry, Georgia | 1 | $ 96,000 | $ 96,000 | $ 72,000 |
| Macon, Georgia | 1 | $ 50,000 | $ 50,000 | $ 92,000 |
| Morgan, Georgia | 1 | $ 303,000 | $ 303,000 | $ 215,000 |
| Newton, Georgia | 1 | $ 132,000 | $ 132,000 | $ 63,000 |
| Oconee, Georgia | 1 | $ 276,000 | $ 276,000 | $ 100,000 |
| Rabun, Georgia | 1 | $ 247,000 | $ 247,000 | $ 240,000 |
| Rockdale, Georgia | 1 | $ 150,000 | $ 150,000 | $ 242,000 |
| Union, Georgia | 1 | $ 113,000 | $ 113,000 | $ 101,000 |
| Washington, Georgia | 1 | $ 37,000 | $ 37,000 | $ 246,000 |
| Alamance, North Carolina | 1 | $ 53,000 | $ 53,000 | $ 70,000 |
| Beaufort, North Carolina | 1 | $ 490,000 | $ 490,000 | $ 234,000 |
| Catawba, North Carolina | 1 | $ 90,000 | $ 90,000 | $ 45,000 |
| Craven, North Carolina | 1 | $ 143,000 | $ 143,000 | $ 45,000 |
| Cumberland, North Carolina | 1 | $ 172,000 | $ 172,000 | $ 142,000 |
| Davidson, North Carolina | 1 | $ 104,000 | $ 104,000 | $ 25,000 |
| Davie, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 48,000 |
| Gaston, North Carolina | 1 | $ 59,000 | $ 59,000 | $ 48,000 |
| Guilford, North Carolina | 1 | $ 56,000 | $ 56,000 | $ 64,000 |
| Johnston, North Carolina | 1 | $ 339,000 | $ 339,000 | $ 267,000 |
| Lincoln, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Macon, North Carolina | 1 | $ 60,000 | $ 60,000 | $ 156,000 |
| Moore, North Carolina | 1 | $ 595,000 | $ 595,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 232,000 | $ 232,000 | $ 68,000 |
| Swain, North Carolina | 1 | $ 191,000 | $ 191,000 | $ 132,000 |
| Rutherford, Tennessee | 1 | $ 202,000 | $ 202,000 | $ 188,000 |
| New Kent, Virginia | 1 | $ 110,000 | $ 110,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Citizens Bank & Trust Co in 2008
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 | 4,630 | $667,334,000 | $144,000 | $3,000,000 | $90,000 | $3,278,000 |
| Home Purchase | 3,110 | $424,948,000 | $136,000 | $2,025,000 | $88,000 | $5,908,000 |
| Home Improvement | 413 | $26,153,000 | $63,000 | $1,000,000 | $91,000 | $2,009,000 |
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 | 6,340 | $911,417,000 | $143,000 | $3,000,000 | $95,000 | $5,908,000 |
| Black or African American | 857 | $70,744,000 | $82,000 | $1,600,000 | $57,000 | $2,009,000 |
| Not Provided | 586 | $79,578,000 | $135,000 | $1,190,000 | $97,000 | $2,496,000 |
| Hispanic | 119 | $13,782,000 | $115,000 | $662,000 | $78,000 | $793,000 |
| Not applicable | 114 | $22,718,000 | $199,000 | $2,295,000 | $1,000 | $80,000 |
| Asian | 113 | $16,180,000 | $143,000 | $585,000 | $93,000 | $1,855,000 |
| American Indian or Alaskan Native | 13 | $2,329,000 | $179,000 | $404,000 | $98,000 | $320,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,687,000 | $153,000 | $290,000 | $96,000 | $164,000 |
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) | 7,528 | $1,039,241,000 | $138,000 | $3,000,000 | $92,000 | $5,908,000 |
| FHA-insured (Federal Housing Administration) | 576 | $71,201,000 | $123,000 | $296,000 | $51,000 | $362,000 |
| VA-guaranteed (Veterans Administration) | 49 | $7,993,000 | $163,000 | $490,000 | $63,000 | $232,000 |
| 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 | 5,269 | $738,916,000 | $140,000 | $3,000,000 | $100,000 | $5,908,000 |
| Application Denied By Financial Institution | 1,547 | $181,503,000 | $117,000 | $2,025,000 | $59,000 | $655,000 |
| Application Approved But Not Accepted | 1,235 | $187,702,000 | $151,000 | $1,200,000 | $80,000 | $786,000 |
| Application Withdrawn By Applicant | 102 | $10,314,000 | $101,000 | $580,000 | $106,000 | $1,800,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 756 | $64,292,000 | $85,000 | $990,000 | $55,000 | $510,000 |
| Debt-To-Income Ratio | 576 | $83,501,000 | $144,000 | $2,025,000 | $53,000 | $501,000 |
| Collateral | 131 | $20,935,000 | $159,000 | $980,000 | $94,000 | $595,000 |
| Other | 25 | $3,322,000 | $132,000 | $399,000 | $129,000 | $655,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 21 | $3,222,000 | $153,000 | $417,000 | $87,000 | $602,000 |
| Employment History | 18 | $3,409,000 | $189,000 | $831,000 | $79,000 | $240,000 |
| Unverifiable Information | 13 | $2,024,000 | $155,000 | $399,000 | $86,000 | $480,000 |
| Mortgage Insurance Denied | 6 | $713,000 | $118,000 | $217,000 | $57,000 | $97,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $49,000 | $49,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Citizens Bank & Trust Co's 2008 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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