First Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2009
In 2009, First Citizens Bank & Trust Co of Columbia, SC reported 8,900 mortgage applications totaling $1.3 billion, up 9% from 2008. The average application was for $145,684, and applicants reported an average income of $89,892. 59% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Columbia, SC (1,870), Greenville-Mauldin-Easley, SC (746) and Charleston-North Charleston-Summerville, SC (581) (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 | 8,900 |
| Total Mortgage Loan Application Amount | $1,296,590,000 |
| Average Mortgage Loan Application Amount | $145,684 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $89,892 |
| Highest Applicant Income | $6,880,000 |
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records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 901 | $ 145,067,000 | $ 161,006 | $ 103,000 |
| Lexington, South Carolina | 639 | $ 97,036,000 | $ 151,856 | $ 86,000 |
| Spartanburg, South Carolina | 570 | $ 71,626,000 | $ 125,659 | $ 69,000 |
| Greenville, South Carolina | 445 | $ 77,338,000 | $ 173,793 | $ 101,000 |
| Horry, South Carolina | 370 | $ 63,472,000 | $ 171,545 | $ 90,000 |
| Orangeburg, South Carolina | 349 | $ 44,484,000 | $ 127,461 | $ 90,000 |
| York, South Carolina | 342 | $ 53,804,000 | $ 157,321 | $ 75,000 |
| Aiken, South Carolina | 315 | $ 46,476,000 | $ 147,542 | $ 93,000 |
| Anderson, South Carolina | 311 | $ 46,898,000 | $ 150,797 | $ 95,000 |
| Charleston, South Carolina | 260 | $ 58,608,000 | $ 225,415 | $ 140,000 |
| Sumter, South Carolina | 248 | $ 28,100,000 | $ 113,306 | $ 82,000 |
| Darlington, South Carolina | 240 | $ 28,202,000 | $ 117,508 | $ 69,000 |
| Florence, South Carolina | 234 | $ 29,843,000 | $ 127,534 | $ 86,000 |
| Chesterfield, South Carolina | 227 | $ 22,183,000 | $ 97,722 | $ 65,000 |
| Pickens, South Carolina | 212 | $ 29,284,000 | $ 138,132 | $ 88,000 |
| Berkeley, South Carolina | 183 | $ 32,236,000 | $ 176,153 | $ 84,000 |
| Dillon, South Carolina | 182 | $ 15,826,000 | $ 86,956 | $ 72,000 |
| Oconee, South Carolina | 179 | $ 31,668,000 | $ 176,916 | $ 98,000 |
| Lancaster, South Carolina | 167 | $ 22,336,000 | $ 133,748 | $ 69,000 |
| Kershaw, South Carolina | 154 | $ 23,068,000 | $ 149,792 | $ 80,000 |
| Chester, South Carolina | 152 | $ 18,337,000 | $ 120,638 | $ 73,000 |
| Dorchester, South Carolina | 138 | $ 21,619,000 | $ 156,659 | $ 79,000 |
| Stephens, Georgia | 130 | $ 13,063,000 | $ 100,484 | $ 78,000 |
| Beaufort, South Carolina | 129 | $ 29,299,000 | $ 227,124 | $ 105,000 |
| Newberry, South Carolina | 110 | $ 14,495,000 | $ 131,772 | $ 64,000 |
| Greenwood, South Carolina | 102 | $ 12,128,000 | $ 118,901 | $ 94,000 |
| Barnwell, South Carolina | 97 | $ 8,357,000 | $ 86,154 | $ 75,000 |
| Fairfield, South Carolina | 94 | $ 13,033,000 | $ 138,648 | $ 78,000 |
| Georgetown, South Carolina | 90 | $ 22,563,000 | $ 250,700 | $ 144,000 |
| Laurens, South Carolina | 89 | $ 11,098,000 | $ 124,696 | $ 86,000 |
| Franklin, Georgia | 88 | $ 12,616,000 | $ 143,363 | $ 87,000 |
| Madison, Georgia | 88 | $ 9,881,000 | $ 112,284 | $ 72,000 |
| Marlboro, South Carolina | 88 | $ 5,601,000 | $ 63,647 | $ 64,000 |
| Hart, Georgia | 79 | $ 10,344,000 | $ 130,936 | $ 85,000 |
| Marion, South Carolina | 76 | $ 7,160,000 | $ 94,210 | $ 65,000 |
| Clarendon, South Carolina | 68 | $ 8,732,000 | $ 128,411 | $ 112,000 |
| Edgefield, South Carolina | 68 | $ 9,751,000 | $ 143,397 | $ 75,000 |
| Abbeville, South Carolina | 57 | $ 5,247,000 | $ 92,052 | $ 59,000 |
| Lee, South Carolina | 52 | $ 4,451,000 | $ 85,596 | $ 66,000 |
| Calhoun, South Carolina | 44 | $ 6,281,000 | $ 142,750 | $ 96,000 |
| Columbia, Georgia | 40 | $ 8,313,000 | $ 207,825 | $ 341,000 |
| Cherokee, South Carolina | 38 | $ 3,659,000 | $ 96,289 | $ 59,000 |
| Saluda, South Carolina | 38 | $ 3,799,000 | $ 99,973 | $ 63,000 |
| Richmond, Georgia | 35 | $ 5,908,000 | $ 168,800 | $ 170,000 |
| Colleton, South Carolina | 32 | $ 8,056,000 | $ 251,750 | $ 131,000 |
| McCormick, South Carolina | 28 | $ 4,905,000 | $ 175,178 | $ 74,000 |
| McDuffie, Georgia | 23 | $ 2,174,000 | $ 94,521 | $ 55,000 |
| Mecklenburg, North Carolina | 22 | $ 4,936,000 | $ 224,363 | $ 142,000 |
| Warren, Georgia | 19 | $ 1,511,000 | $ 79,526 | $ 72,000 |
| Williamsburg, South Carolina | 16 | $ 1,580,000 | $ 98,750 | $ 52,000 |
| Union, South Carolina | 14 | $ 920,000 | $ 65,714 | $ 53,000 |
| Clarke, Georgia | 13 | $ 1,753,000 | $ 134,846 | $ 83,000 |
| Polk, North Carolina | 13 | $ 1,861,000 | $ 143,153 | $ 107,000 |
| Elbert, Georgia | 10 | $ 1,072,000 | $ 107,200 | $ 64,000 |
| Jackson, Georgia | 10 | $ 1,519,000 | $ 151,900 | $ 59,000 |
| Brunswick, North Carolina | 10 | $ 3,105,000 | $ 310,500 | $ 172,000 |
| Rutherford, North Carolina | 9 | $ 1,212,000 | $ 134,666 | $ 110,000 |
| Scotland, North Carolina | 9 | $ 637,000 | $ 70,777 | $ 82,000 |
| Union, North Carolina | 9 | $ 2,073,000 | $ 230,333 | $ 92,000 |
| Jefferson, Georgia | 8 | $ 1,181,000 | $ 147,625 | $ 60,000 |
| Oglethorpe, Georgia | 8 | $ 1,287,000 | $ 160,875 | $ 58,000 |
| Glascock, Georgia | 7 | $ 436,000 | $ 62,285 | $ 48,000 |
| Gwinnett, Georgia | 6 | $ 894,000 | $ 149,000 | $ 67,000 |
| Haywood, North Carolina | 6 | $ 1,366,000 | $ 227,666 | $ 142,000 |
| DeKalb, Georgia | 5 | $ 1,013,000 | $ 202,600 | $ 439,000 |
| Habersham, Georgia | 5 | $ 649,000 | $ 129,800 | $ 47,000 |
| Robeson, North Carolina | 5 | $ 207,000 | $ 41,400 | $ 45,000 |
| Watauga, North Carolina | 5 | $ 916,000 | $ 183,200 | $ 340,000 |
| Bamberg, South Carolina | 5 | $ 430,000 | $ 86,000 | $ 51,000 |
| Gaston, North Carolina | 4 | $ 494,000 | $ 123,500 | $ 46,000 |
| Jackson, North Carolina | 4 | $ 3,994,000 | $ 998,500 | $ 1,639,000 |
| Wake, North Carolina | 4 | $ 623,000 | $ 155,750 | $ 112,000 |
| Jasper, South Carolina | 4 | $ 1,096,000 | $ 274,000 | $ 79,000 |
| Durham, North Carolina | 3 | $ 347,000 | $ 115,666 | $ 59,000 |
| Transylvania, North Carolina | 3 | $ 639,000 | $ 213,000 | $ 109,000 |
| Allendale, South Carolina | 3 | $ 119,000 | $ 39,666 | $ 74,000 |
| Banks, Georgia | 2 | $ 242,000 | $ 121,000 | $ 538,000 |
| Chatham, Georgia | 2 | $ 227,000 | $ 113,500 | $ 126,000 |
| Cobb, Georgia | 2 | $ 805,000 | $ 402,500 | $ 178,000 |
| Fulton, Georgia | 2 | $ 213,000 | $ 106,500 | $ 244,000 |
| Lincoln, Georgia | 2 | $ 322,000 | $ 161,000 | $ 94,000 |
| Oconee, Georgia | 2 | $ 309,000 | $ 154,500 | $ 63,000 |
| Rabun, Georgia | 2 | $ 394,000 | $ 197,000 | $ 208,000 |
| Buncombe, North Carolina | 2 | $ 476,000 | $ 238,000 | $ 87,000 |
| Catawba, North Carolina | 2 | $ 213,000 | $ 106,500 | $ 84,000 |
| Henderson, North Carolina | 2 | $ 817,000 | $ 408,500 | $ 379,000 |
| Johnston, North Carolina | 2 | $ 289,000 | $ 144,500 | $ 92,000 |
| Orange, North Carolina | 2 | $ 280,000 | $ 140,000 | $ 70,000 |
| Sevier, Tennessee | 2 | $ 243,000 | $ 121,500 | $ 35,000 |
| Burke, Georgia | 1 | $ 92,000 | $ 92,000 | $ 86,000 |
| Carroll, Georgia | 1 | $ 101,000 | $ 101,000 | $ 310,000 |
| Dawson, Georgia | 1 | $ 149,000 | $ 149,000 | $ 112,000 |
| Dougherty, Georgia | 1 | $ 180,000 | $ 180,000 | $ 154,000 |
| Forsyth, Georgia | 1 | $ 330,000 | $ 330,000 | $ 108,000 |
| Gilmer, Georgia | 1 | $ 104,000 | $ 104,000 | $ 63,000 |
| Glynn, Georgia | 1 | $ 417,000 | $ 417,000 | $ 327,000 |
| Greene, Georgia | 1 | $ 143,000 | $ 143,000 | $ 96,000 |
| Hancock, Georgia | 1 | $ 31,000 | $ 31,000 | $ 43,000 |
| Houston, Georgia | 1 | $ 78,000 | $ 78,000 | $ 27,000 |
| Jones, Georgia | 1 | $ 139,000 | $ 139,000 | $ 60,000 |
| Lumpkin, Georgia | 1 | $ 88,000 | $ 88,000 | $ 204,000 |
| Rockdale, Georgia | 1 | $ 35,000 | $ 35,000 | $ 127,000 |
| Towns, Georgia | 1 | $ 59,000 | $ 59,000 | $ 58,000 |
| Wilkes, Georgia | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Anson, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 10,000 |
| Ashe, North Carolina | 1 | $ 236,000 | $ 236,000 | $ 89,000 |
| Cabarrus, North Carolina | 1 | $ 306,000 | $ 306,000 | $ 263,000 |
| Cherokee, North Carolina | 1 | $ 143,000 | $ 143,000 | $ 74,000 |
| Columbus, North Carolina | 1 | $ 162,000 | $ 162,000 | $ 42,000 |
| Cumberland, North Carolina | 1 | $ 47,000 | $ 47,000 | $ 54,000 |
| Graham, North Carolina | 1 | $ 108,000 | $ 108,000 | $ 73,000 |
| Guilford, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 116,000 |
| Iredell, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 100,000 |
| Macon, North Carolina | 1 | $ 410,000 | $ 410,000 | $ 456,000 |
| Madison, North Carolina | 1 | $ 193,000 | $ 193,000 | $ 76,000 |
| Mitchell, North Carolina | 1 | $ 24,000 | $ 24,000 | $ 72,000 |
| New Hanover, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Onslow, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 61,000 |
| Pender, North Carolina | 1 | $ 306,000 | $ 306,000 | $ 139,000 |
| Pitt, North Carolina | 1 | $ 63,000 | $ 63,000 | $ 245,000 |
| Randolph, North Carolina | 1 | $ 216,000 | $ 216,000 | $ 60,000 |
| Yancey, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 218,000 |
| Hampton, South Carolina | 1 | $ 63,000 | $ 63,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for First Citizens Bank & Trust Co in 2009
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 | 6,324 | $982,187,000 | $155,000 | $1,668,000 | $91,000 | $2,160,000 |
| Home Purchase | 2,236 | $296,095,000 | $132,000 | $2,500,000 | $91,000 | $6,880,000 |
| Home Improvement | 340 | $18,308,000 | $53,000 | $600,000 | $62,000 | $418,000 |
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 | 7,321 | $1,098,970,000 | $150,000 | $2,500,000 | $92,000 | $5,683,000 |
| Black or African American | 736 | $74,850,000 | $101,000 | $712,000 | $60,000 | $651,000 |
| Not Provided | 534 | $76,947,000 | $144,000 | $881,000 | $96,000 | $1,218,000 |
| Asian | 128 | $23,697,000 | $185,000 | $760,000 | $86,000 | $599,000 |
| Hispanic | 90 | $10,995,000 | $122,000 | $417,000 | $141,000 | $6,880,000 |
| Not applicable | 68 | $7,818,000 | $114,000 | $703,000 | $0 | $0 |
| American Indian or Alaskan Native | 15 | $2,131,000 | $142,000 | $515,000 | $196,000 | $1,396,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,182,000 | $147,000 | $263,000 | $58,000 | $98,000 |
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) | 8,076 | $1,187,284,000 | $147,000 | $2,500,000 | $94,000 | $6,880,000 |
| FHA-insured (Federal Housing Administration) | 691 | $93,708,000 | $135,000 | $328,000 | $55,000 | $568,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 83 | $8,652,000 | $104,000 | $204,000 | $40,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 50 | $6,946,000 | $138,000 | $296,000 | $57,000 | $150,000 |
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 | 5,222 | $763,614,000 | $146,000 | $2,500,000 | $97,000 | $5,683,000 |
| Application Denied By Financial Institution | 2,072 | $276,330,000 | $133,000 | $1,650,000 | $65,000 | $2,672,000 |
| Application Approved But Not Accepted | 1,450 | $235,553,000 | $162,000 | $1,295,000 | $100,000 | $6,880,000 |
| Application Withdrawn By Applicant | 156 | $21,093,000 | $135,000 | $881,000 | $96,000 | $1,002,000 |
| 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 | 828 | $81,986,000 | $99,000 | $538,000 | $65,000 | $2,672,000 |
| Debt-To-Income Ratio | 800 | $122,523,000 | $153,000 | $640,000 | $52,000 | $1,020,000 |
| Collateral | 293 | $46,678,000 | $159,000 | $1,650,000 | $87,000 | $1,085,000 |
| Other | 68 | $11,217,000 | $164,000 | $712,000 | $121,000 | $572,000 |
| Employment History | 32 | $5,370,000 | $167,000 | $417,000 | $70,000 | $280,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $4,077,000 | $156,000 | $337,000 | $91,000 | $528,000 |
| Unverifiable Information | 15 | $2,338,000 | $155,000 | $417,000 | $62,000 | $154,000 |
| Mortgage Insurance Denied | 10 | $2,141,000 | $214,000 | $415,000 | $85,000 | $119,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Citizens Bank & Trust Co's 2009 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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