First Citizens Bank & Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
First Citizens Bank & Trust Co 2010 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 | 7,803 |
| Total Mortgage Loan Application Amount | $1,126,427,000 |
| Average Mortgage Loan Application Amount | $121,666 |
| Highest Mortgage Loan Application Amount | $1,561,000 |
| Average Applicant Income | $82,666 |
| Highest Applicant Income | $3,090,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | 745 | $ 117,406,000 | $ 157,000 | $ 104,000 |
| Lexington County South Carolina | 590 | $ 91,002,000 | $ 154,000 | $ 88,000 |
| Spartanburg County South Carolina | 544 | $ 76,031,000 | $ 139,000 | $ 81,000 |
| Greenville County South Carolina | 446 | $ 87,732,000 | $ 196,000 | $ 104,000 |
| Horry County South Carolina | 291 | $ 43,431,000 | $ 149,000 | $ 86,000 |
| Aiken County South Carolina | 276 | $ 40,001,000 | $ 144,000 | $ 90,000 |
| Sumter County South Carolina | 270 | $ 34,067,000 | $ 126,000 | $ 81,000 |
| York County South Carolina | 262 | $ 38,197,000 | $ 145,000 | $ 79,000 |
| Anderson County South Carolina | 261 | $ 36,372,000 | $ 139,000 | $ 84,000 |
| Darlington County South Carolina | 239 | $ 30,311,000 | $ 126,000 | $ 83,000 |
| Orangeburg County South Carolina | 235 | $ 28,056,000 | $ 119,000 | $ 89,000 |
| Florence County South Carolina | 228 | $ 29,191,000 | $ 128,000 | $ 74,000 |
| Charleston County South Carolina | 214 | $ 48,943,000 | $ 228,000 | $ 143,000 |
| Chesterfield County South Carolina | 199 | $ 18,253,000 | $ 91,000 | $ 71,000 |
| Pickens County South Carolina | 188 | $ 27,995,000 | $ 148,000 | $ 103,000 |
| Madison County Georgia | 165 | $ 15,864,000 | $ 96,000 | $ 73,000 |
| Berkeley County South Carolina | 158 | $ 24,973,000 | $ 158,000 | $ 80,000 |
| Oconee County South Carolina | 156 | $ 23,831,000 | $ 152,000 | $ 91,000 |
| Lancaster County South Carolina | 146 | $ 15,191,000 | $ 104,000 | $ 58,000 |
| Dillon County South Carolina | 144 | $ 13,094,000 | $ 90,000 | $ 67,000 |
| Chester County South Carolina | 135 | $ 14,660,000 | $ 108,000 | $ 66,000 |
| Kershaw County South Carolina | 135 | $ 22,320,000 | $ 165,000 | $ 99,000 |
| Dorchester County South Carolina | 116 | $ 19,707,000 | $ 169,000 | $ 89,000 |
| Stephens County Georgia | 88 | $ 8,587,000 | $ 97,000 | $ 86,000 |
| Marlboro County South Carolina | 86 | $ 4,875,000 | $ 56,000 | $ 56,000 |
| Fairfield County South Carolina | 83 | $ 10,587,000 | $ 127,000 | $ 78,000 |
| Georgetown County South Carolina | 79 | $ 16,910,000 | $ 214,000 | $ 137,000 |
| Greenwood County South Carolina | 76 | $ 9,761,000 | $ 128,000 | $ 108,000 |
| Beaufort County South Carolina | 75 | $ 15,779,000 | $ 210,000 | $ 125,000 |
| Franklin County Georgia | 68 | $ 7,884,000 | $ 115,000 | $ 72,000 |
| Barnwell County South Carolina | 67 | $ 7,080,000 | $ 105,000 | $ 82,000 |
| Laurens County South Carolina | 64 | $ 6,479,000 | $ 101,000 | $ 53,000 |
| Edgefield County South Carolina | 63 | $ 9,053,000 | $ 143,000 | $ 84,000 |
| Hart County Georgia | 60 | $ 8,019,000 | $ 133,000 | $ 83,000 |
| Newberry County South Carolina | 60 | $ 9,027,000 | $ 150,000 | $ 70,000 |
| Marion County South Carolina | 57 | $ 4,945,000 | $ 86,000 | $ 63,000 |
| Clarendon County South Carolina | 55 | $ 7,645,000 | $ 139,000 | $ 83,000 |
| Abbeville County South Carolina | 49 | $ 4,988,000 | $ 101,000 | $ 72,000 |
| Columbia County Georgia | 42 | $ 9,025,000 | $ 214,000 | $ 129,000 |
| Richmond County Georgia | 42 | $ 6,744,000 | $ 160,000 | $ 92,000 |
| McDuffie County Georgia | 38 | $ 4,182,000 | $ 110,000 | $ 71,000 |
| Lee County South Carolina | 37 | $ 3,325,000 | $ 89,000 | $ 65,000 |
| Saluda County South Carolina | 36 | $ 3,123,000 | $ 86,000 | $ 72,000 |
| Calhoun County South Carolina | 30 | $ 4,382,000 | $ 146,000 | $ 102,000 |
| Cherokee County South Carolina | 29 | $ 2,870,000 | $ 98,000 | $ 60,000 |
| McCormick County South Carolina | 28 | $ 4,094,000 | $ 146,000 | $ 113,000 |
| Oglethorpe County Georgia | 24 | $ 2,552,000 | $ 106,000 | $ 75,000 |
| Mecklenburg County North Carolina | 19 | $ 4,305,000 | $ 226,000 | $ 222,000 |
| Colleton County South Carolina | 19 | $ 4,259,000 | $ 224,000 | $ 134,000 |
| Fulton County Georgia | 16 | $ 4,630,000 | $ 289,000 | $ 166,000 |
| Union County North Carolina | 16 | $ 3,563,000 | $ 222,000 | $ 83,000 |
| Clarke County Georgia | 14 | $ 1,783,000 | $ 127,000 | $ 177,000 |
| Union County South Carolina | 14 | $ 1,062,000 | $ 75,000 | $ 47,000 |
| Warren County Georgia | 13 | $ 1,224,000 | $ 94,000 | $ 68,000 |
| Gwinnett County Georgia | 11 | $ 1,948,000 | $ 177,000 | $ 69,000 |
| Polk County North Carolina | 11 | $ 2,733,000 | $ 248,000 | $ 189,000 |
| Williamsburg County South Carolina | 11 | $ 1,415,000 | $ 128,000 | $ 58,000 |
| Cobb County Georgia | 10 | $ 2,475,000 | $ 247,000 | $ 151,000 |
| Jackson County Georgia | 10 | $ 940,000 | $ 94,000 | $ 132,000 |
| Elbert County Georgia | 9 | $ 1,183,000 | $ 131,000 | $ 58,000 |
| Haywood County North Carolina | 9 | $ 1,172,000 | $ 130,000 | $ 166,000 |
| Glascock County Georgia | 8 | $ 508,000 | $ 63,000 | $ 51,000 |
| Jefferson County Georgia | 6 | $ 754,000 | $ 125,000 | $ 72,000 |
| Paulding County Georgia | 6 | $ 753,000 | $ 125,000 | $ 82,000 |
| Jackson County North Carolina | 6 | $ 1,413,000 | $ 235,000 | $ 197,000 |
| Robeson County North Carolina | 6 | $ 551,000 | $ 91,000 | $ 49,000 |
| Greene County Georgia | 5 | $ 1,175,000 | $ 235,000 | $ 271,000 |
| Habersham County Georgia | 5 | $ 738,000 | $ 147,000 | $ 62,000 |
| Brunswick County North Carolina | 5 | $ 1,412,000 | $ 282,000 | $ 210,000 |
| Henderson County North Carolina | 5 | $ 521,000 | $ 104,000 | $ 86,000 |
| Bamberg County South Carolina | 5 | $ 657,000 | $ 131,000 | $ 79,000 |
| Barrow County Georgia | 3 | $ 579,000 | $ 193,000 | $ 147,000 |
| DeKalb County Georgia | 3 | $ 658,000 | $ 219,000 | $ 83,000 |
| Forsyth County Georgia | 3 | $ 860,000 | $ 286,000 | $ 253,000 |
| Towns County Georgia | 3 | $ 444,000 | $ 148,000 | $ 117,000 |
| Scotland County North Carolina | 3 | $ 432,000 | $ 144,000 | $ 56,000 |
| Stanly County North Carolina | 3 | $ 445,000 | $ 148,000 | $ 63,000 |
| Transylvania County North Carolina | 3 | $ 296,000 | $ 98,000 | $ 96,000 |
| Hampton County South Carolina | 3 | $ 257,000 | $ 85,000 | $ 67,000 |
| Banks County Georgia | 2 | $ 459,000 | $ 229,000 | $ 59,000 |
| Chatham County Georgia | 2 | $ 614,000 | $ 307,000 | $ 197,000 |
| Fayette County Georgia | 2 | $ 394,000 | $ 197,000 | $ 167,000 |
| Glynn County Georgia | 2 | $ 994,000 | $ 497,000 | $ 957,000 |
| Henry County Georgia | 2 | $ 319,000 | $ 159,000 | $ 36,000 |
| Lincoln County Georgia | 2 | $ 315,000 | $ 157,000 | $ 46,000 |
| Rabun County Georgia | 2 | $ 266,000 | $ 133,000 | $ 149,000 |
| Walton County Georgia | 2 | $ 120,000 | $ 60,000 | $ 134,000 |
| Alleghany County North Carolina | 2 | $ 404,000 | $ 202,000 | $ 101,000 |
| Forsyth County North Carolina | 2 | $ 343,000 | $ 171,000 | $ 455,000 |
| Gaston County North Carolina | 2 | $ 212,000 | $ 106,000 | $ 109,000 |
| Rowan County North Carolina | 2 | $ 298,000 | $ 149,000 | $ 149,000 |
| Rutherford County North Carolina | 2 | $ 393,000 | $ 196,000 | $ 181,000 |
| Jasper County South Carolina | 2 | $ 849,000 | $ 424,000 | $ 179,000 |
| Eagle County Colorado | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Burke County Georgia | 1 | $ 867,000 | $ 867,000 | $ 275,000 |
| Cherokee County Georgia | 1 | $ 246,000 | $ 246,000 | $ 94,000 |
| Clayton County Georgia | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Hall County Georgia | 1 | $ 33,000 | $ 33,000 | $ 23,000 |
| Hancock County Georgia | 1 | $ 20,000 | $ 20,000 | $ 27,000 |
| Haralson County Georgia | 1 | $ 41,000 | $ 41,000 | $ 34,000 |
| McIntosh County Georgia | 1 | $ 111,000 | $ 111,000 | $ 191,000 |
| Monroe County Georgia | 1 | $ 255,000 | $ 255,000 | $ 235,000 |
| Morgan County Georgia | 1 | $ 205,000 | $ 205,000 | $ 113,000 |
| Oconee County Georgia | 1 | $ 82,000 | $ 82,000 | $ 109,000 |
| Rockdale County Georgia | 1 | $ 160,000 | $ 160,000 | $ 143,000 |
| Taliaferro County Georgia | 1 | $ 31,000 | $ 31,000 | $ 87,000 |
| Union County Georgia | 1 | $ 188,000 | $ 188,000 | $ 52,000 |
| Walker County Georgia | 1 | $ 78,000 | $ 78,000 | $ 31,000 |
| Anson County North Carolina | 1 | $ 319,000 | $ 319,000 | $ 66,000 |
| Caldwell County North Carolina | 1 | $ 237,000 | $ 237,000 | $ 117,000 |
| Caswell County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Clay County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Cleveland County North Carolina | 1 | $ 270,000 | $ 270,000 | $ 237,000 |
| Durham County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 152,000 |
| Iredell County North Carolina | 1 | $ 500,000 | $ 500,000 | $ 65,000 |
| Madison County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 74,000 |
| McDowell County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 138,000 |
| Montgomery County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
| Nash County North Carolina | 1 | $ 184,000 | $ 184,000 | $ 1,000 |
| New Hanover County North Carolina | 1 | $ 229,000 | $ 229,000 | $ 47,000 |
| Swain County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Wake County North Carolina | 1 | $ 267,000 | $ 267,000 | $ 115,000 |
| Watauga County North Carolina | 1 | $ 156,000 | $ 156,000 | $ 34,000 |
| Yancey County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 70,000 |
| Sevier County Tennessee | 1 | $ 108,000 | $ 108,000 | $ 42,000 |
| Washington County Virginia | 1 | $ 185,000 | $ 185,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for First Citizens Bank & Trust Co in 2010
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 | 5,547 | $825,098,000 | $148,000 | $1,400,000 | $91,000 | $3,090,000 |
| Home Purchase | 1,909 | $275,832,000 | $144,000 | $1,561,000 | $90,000 | $2,918,000 |
| Home Improvement | 347 | $25,497,000 | $73,000 | $420,000 | $67,000 | $776,000 |
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 | 6,444 | $945,836,000 | $146,000 | $1,561,000 | $93,000 | $3,090,000 |
| Black or African American | 605 | $62,416,000 | $103,000 | $1,330,000 | $60,000 | $1,048,000 |
| Not Provided | 434 | $67,500,000 | $155,000 | $1,400,000 | $96,000 | $1,568,000 |
| Asian | 155 | $27,600,000 | $178,000 | $680,000 | $93,000 | $1,205,000 |
| Not applicable | 79 | $11,859,000 | $150,000 | $993,000 | $0 | $0 |
| Hispanic | 63 | $8,492,000 | $134,000 | $417,000 | $85,000 | $440,000 |
| American Indian or Alaskan Native | 18 | $1,903,000 | $105,000 | $300,000 | $68,000 | $175,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $821,000 | $164,000 | $257,000 | $70,000 | $82,000 |
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) | 7,173 | $1,046,096,000 | $145,000 | $1,561,000 | $93,000 | $3,090,000 |
| FHA-insured (Federal Housing Administration) | 508 | $65,512,000 | $128,000 | $343,000 | $54,000 | $326,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 79 | $8,736,000 | $110,000 | $214,000 | $39,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 43 | $6,083,000 | $141,000 | $530,000 | $54,000 | $136,000 |
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 | 4,915 | $684,287,000 | $139,000 | $1,561,000 | $94,000 | $3,090,000 |
| Application Denied By Financial Institution | 1,766 | $258,363,000 | $146,000 | $1,400,000 | $70,000 | $1,332,000 |
| Application Approved But Not Accepted | 1,055 | $175,396,000 | $166,000 | $1,320,000 | $103,000 | $1,053,000 |
| Application Withdrawn By Applicant | 67 | $8,381,000 | $125,000 | $413,000 | $101,000 | $992,000 |
| 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 | 688 | $77,536,000 | $112,000 | $800,000 | $65,000 | $1,332,000 |
| Debt-To-Income Ratio | 625 | $98,472,000 | $157,000 | $875,000 | $55,000 | $649,000 |
| Collateral | 307 | $57,985,000 | $188,000 | $1,400,000 | $101,000 | $720,000 |
| Other | 49 | $9,743,000 | $198,000 | $1,305,000 | $124,000 | $607,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 27 | $4,213,000 | $156,000 | $800,000 | $79,000 | $377,000 |
| Unverifiable Information | 22 | $3,039,000 | $138,000 | $310,000 | $55,000 | $201,000 |
| Employment History | 22 | $2,798,000 | $127,000 | $412,000 | $26,000 | $81,000 |
| Mortgage Insurance Denied | 20 | $3,137,000 | $156,000 | $322,000 | $92,000 | $224,000 |
| Credit Application Incomplete | 5 | $1,324,000 | $264,000 | $640,000 | $74,000 | $224,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Citizens Bank & Trust Co's 2010 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.