First Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2010
In 2010, First Citizens Bank & Trust Co of Columbia, SC reported 7,803 mortgage applications totaling $1.1 billion, down 12% from 2009. The average application was for $144,358, and applicants reported an average income of $89,688. 63% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Columbia, SC (1,619), Greenville-Mauldin-Easley, SC (698) and Spartanburg, SC (544) (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 | 7,803 |
| Total Mortgage Loan Application Amount | $1,126,427,000 |
| Average Mortgage Loan Application Amount | $144,358 |
| Highest Mortgage Loan Application Amount | $1,561,000 |
| Average Applicant Income | $89,688 |
| Highest Applicant Income | $3,090,000 |
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records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 745 | $ 117,406,000 | $ 157,591 | $ 104,000 |
| Lexington, South Carolina | 590 | $ 91,002,000 | $ 154,240 | $ 88,000 |
| Spartanburg, South Carolina | 544 | $ 76,031,000 | $ 139,762 | $ 81,000 |
| Greenville, South Carolina | 446 | $ 87,732,000 | $ 196,708 | $ 104,000 |
| Horry, South Carolina | 291 | $ 43,431,000 | $ 149,247 | $ 86,000 |
| Aiken, South Carolina | 276 | $ 40,001,000 | $ 144,931 | $ 90,000 |
| Sumter, South Carolina | 270 | $ 34,067,000 | $ 126,174 | $ 81,000 |
| York, South Carolina | 262 | $ 38,197,000 | $ 145,790 | $ 79,000 |
| Anderson, South Carolina | 261 | $ 36,372,000 | $ 139,356 | $ 84,000 |
| Darlington, South Carolina | 239 | $ 30,311,000 | $ 126,824 | $ 83,000 |
| Orangeburg, South Carolina | 235 | $ 28,056,000 | $ 119,387 | $ 89,000 |
| Florence, South Carolina | 228 | $ 29,191,000 | $ 128,030 | $ 74,000 |
| Charleston, South Carolina | 214 | $ 48,943,000 | $ 228,705 | $ 143,000 |
| Chesterfield, South Carolina | 199 | $ 18,253,000 | $ 91,723 | $ 71,000 |
| Pickens, South Carolina | 188 | $ 27,995,000 | $ 148,909 | $ 103,000 |
| Madison, Georgia | 165 | $ 15,864,000 | $ 96,145 | $ 73,000 |
| Berkeley, South Carolina | 158 | $ 24,973,000 | $ 158,056 | $ 80,000 |
| Oconee, South Carolina | 156 | $ 23,831,000 | $ 152,762 | $ 91,000 |
| Lancaster, South Carolina | 146 | $ 15,191,000 | $ 104,047 | $ 58,000 |
| Dillon, South Carolina | 144 | $ 13,094,000 | $ 90,930 | $ 67,000 |
| Chester, South Carolina | 135 | $ 14,660,000 | $ 108,592 | $ 66,000 |
| Kershaw, South Carolina | 135 | $ 22,320,000 | $ 165,333 | $ 99,000 |
| Dorchester, South Carolina | 116 | $ 19,707,000 | $ 169,887 | $ 89,000 |
| Stephens, Georgia | 88 | $ 8,587,000 | $ 97,579 | $ 86,000 |
| Marlboro, South Carolina | 86 | $ 4,875,000 | $ 56,686 | $ 56,000 |
| Fairfield, South Carolina | 83 | $ 10,587,000 | $ 127,554 | $ 78,000 |
| Georgetown, South Carolina | 79 | $ 16,910,000 | $ 214,050 | $ 137,000 |
| Greenwood, South Carolina | 76 | $ 9,761,000 | $ 128,434 | $ 108,000 |
| Beaufort, South Carolina | 75 | $ 15,779,000 | $ 210,386 | $ 125,000 |
| Franklin, Georgia | 68 | $ 7,884,000 | $ 115,941 | $ 72,000 |
| Barnwell, South Carolina | 67 | $ 7,080,000 | $ 105,671 | $ 82,000 |
| Laurens, South Carolina | 64 | $ 6,479,000 | $ 101,234 | $ 53,000 |
| Edgefield, South Carolina | 63 | $ 9,053,000 | $ 143,698 | $ 84,000 |
| Hart, Georgia | 60 | $ 8,019,000 | $ 133,650 | $ 83,000 |
| Newberry, South Carolina | 60 | $ 9,027,000 | $ 150,450 | $ 70,000 |
| Marion, South Carolina | 57 | $ 4,945,000 | $ 86,754 | $ 63,000 |
| Clarendon, South Carolina | 55 | $ 7,645,000 | $ 139,000 | $ 83,000 |
| Abbeville, South Carolina | 49 | $ 4,988,000 | $ 101,795 | $ 72,000 |
| Columbia, Georgia | 42 | $ 9,025,000 | $ 214,880 | $ 129,000 |
| Richmond, Georgia | 42 | $ 6,744,000 | $ 160,571 | $ 92,000 |
| McDuffie, Georgia | 38 | $ 4,182,000 | $ 110,052 | $ 71,000 |
| Lee, South Carolina | 37 | $ 3,325,000 | $ 89,864 | $ 65,000 |
| Saluda, South Carolina | 36 | $ 3,123,000 | $ 86,750 | $ 72,000 |
| Calhoun, South Carolina | 30 | $ 4,382,000 | $ 146,066 | $ 102,000 |
| Cherokee, South Carolina | 29 | $ 2,870,000 | $ 98,965 | $ 60,000 |
| McCormick, South Carolina | 28 | $ 4,094,000 | $ 146,214 | $ 113,000 |
| Oglethorpe, Georgia | 24 | $ 2,552,000 | $ 106,333 | $ 75,000 |
| Mecklenburg, North Carolina | 19 | $ 4,305,000 | $ 226,578 | $ 222,000 |
| Colleton, South Carolina | 19 | $ 4,259,000 | $ 224,157 | $ 134,000 |
| Fulton, Georgia | 16 | $ 4,630,000 | $ 289,375 | $ 166,000 |
| Union, North Carolina | 16 | $ 3,563,000 | $ 222,687 | $ 83,000 |
| Clarke, Georgia | 14 | $ 1,783,000 | $ 127,357 | $ 177,000 |
| Union, South Carolina | 14 | $ 1,062,000 | $ 75,857 | $ 47,000 |
| Warren, Georgia | 13 | $ 1,224,000 | $ 94,153 | $ 68,000 |
| Gwinnett, Georgia | 11 | $ 1,948,000 | $ 177,090 | $ 69,000 |
| Polk, North Carolina | 11 | $ 2,733,000 | $ 248,454 | $ 189,000 |
| Williamsburg, South Carolina | 11 | $ 1,415,000 | $ 128,636 | $ 58,000 |
| Cobb, Georgia | 10 | $ 2,475,000 | $ 247,500 | $ 151,000 |
| Jackson, Georgia | 10 | $ 940,000 | $ 94,000 | $ 132,000 |
| Elbert, Georgia | 9 | $ 1,183,000 | $ 131,444 | $ 58,000 |
| Haywood, North Carolina | 9 | $ 1,172,000 | $ 130,222 | $ 166,000 |
| Glascock, Georgia | 8 | $ 508,000 | $ 63,500 | $ 51,000 |
| Jefferson, Georgia | 6 | $ 754,000 | $ 125,666 | $ 72,000 |
| Paulding, Georgia | 6 | $ 753,000 | $ 125,500 | $ 82,000 |
| Jackson, North Carolina | 6 | $ 1,413,000 | $ 235,500 | $ 197,000 |
| Robeson, North Carolina | 6 | $ 551,000 | $ 91,833 | $ 49,000 |
| Greene, Georgia | 5 | $ 1,175,000 | $ 235,000 | $ 271,000 |
| Habersham, Georgia | 5 | $ 738,000 | $ 147,600 | $ 62,000 |
| Brunswick, North Carolina | 5 | $ 1,412,000 | $ 282,400 | $ 210,000 |
| Henderson, North Carolina | 5 | $ 521,000 | $ 104,200 | $ 86,000 |
| Bamberg, South Carolina | 5 | $ 657,000 | $ 131,400 | $ 79,000 |
| Barrow, Georgia | 3 | $ 579,000 | $ 193,000 | $ 147,000 |
| DeKalb, Georgia | 3 | $ 658,000 | $ 219,333 | $ 83,000 |
| Forsyth, Georgia | 3 | $ 860,000 | $ 286,666 | $ 253,000 |
| Towns, Georgia | 3 | $ 444,000 | $ 148,000 | $ 117,000 |
| Scotland, North Carolina | 3 | $ 432,000 | $ 144,000 | $ 56,000 |
| Stanly, North Carolina | 3 | $ 445,000 | $ 148,333 | $ 63,000 |
| Transylvania, North Carolina | 3 | $ 296,000 | $ 98,666 | $ 96,000 |
| Hampton, South Carolina | 3 | $ 257,000 | $ 85,666 | $ 67,000 |
| Banks, Georgia | 2 | $ 459,000 | $ 229,500 | $ 59,000 |
| Chatham, Georgia | 2 | $ 614,000 | $ 307,000 | $ 197,000 |
| Fayette, Georgia | 2 | $ 394,000 | $ 197,000 | $ 167,000 |
| Glynn, Georgia | 2 | $ 994,000 | $ 497,000 | $ 957,000 |
| Henry, Georgia | 2 | $ 319,000 | $ 159,500 | $ 36,000 |
| Lincoln, Georgia | 2 | $ 315,000 | $ 157,500 | $ 46,000 |
| Rabun, Georgia | 2 | $ 266,000 | $ 133,000 | $ 149,000 |
| Walton, Georgia | 2 | $ 120,000 | $ 60,000 | $ 134,000 |
| Alleghany, North Carolina | 2 | $ 404,000 | $ 202,000 | $ 101,000 |
| Forsyth, North Carolina | 2 | $ 343,000 | $ 171,500 | $ 455,000 |
| Gaston, North Carolina | 2 | $ 212,000 | $ 106,000 | $ 109,000 |
| Rowan, North Carolina | 2 | $ 298,000 | $ 149,000 | $ 149,000 |
| Rutherford, North Carolina | 2 | $ 393,000 | $ 196,500 | $ 181,000 |
| Jasper, South Carolina | 2 | $ 849,000 | $ 424,500 | $ 179,000 |
| Eagle, Colorado | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Burke, Georgia | 1 | $ 867,000 | $ 867,000 | $ 275,000 |
| Cherokee, Georgia | 1 | $ 246,000 | $ 246,000 | $ 94,000 |
| Clayton, Georgia | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Hall, Georgia | 1 | $ 33,000 | $ 33,000 | $ 23,000 |
| Hancock, Georgia | 1 | $ 20,000 | $ 20,000 | $ 27,000 |
| Haralson, Georgia | 1 | $ 41,000 | $ 41,000 | $ 34,000 |
| McIntosh, Georgia | 1 | $ 111,000 | $ 111,000 | $ 191,000 |
| Monroe, Georgia | 1 | $ 255,000 | $ 255,000 | $ 235,000 |
| Morgan, Georgia | 1 | $ 205,000 | $ 205,000 | $ 113,000 |
| Oconee, Georgia | 1 | $ 82,000 | $ 82,000 | $ 109,000 |
| Rockdale, Georgia | 1 | $ 160,000 | $ 160,000 | $ 143,000 |
| Taliaferro, Georgia | 1 | $ 31,000 | $ 31,000 | $ 87,000 |
| Union, Georgia | 1 | $ 188,000 | $ 188,000 | $ 52,000 |
| Walker, Georgia | 1 | $ 78,000 | $ 78,000 | $ 31,000 |
| Anson, North Carolina | 1 | $ 319,000 | $ 319,000 | $ 66,000 |
| Caldwell, North Carolina | 1 | $ 237,000 | $ 237,000 | $ 117,000 |
| Caswell, North Carolina | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Clay, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Cleveland, North Carolina | 1 | $ 270,000 | $ 270,000 | $ 237,000 |
| Durham, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 152,000 |
| Iredell, North Carolina | 1 | $ 500,000 | $ 500,000 | $ 65,000 |
| Madison, North Carolina | 1 | $ 80,000 | $ 80,000 | $ 74,000 |
| McDowell, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 138,000 |
| Montgomery, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
| Nash, North Carolina | 1 | $ 184,000 | $ 184,000 | $ 1,000 |
| New Hanover, North Carolina | 1 | $ 229,000 | $ 229,000 | $ 47,000 |
| Swain, North Carolina | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Wake, North Carolina | 1 | $ 267,000 | $ 267,000 | $ 115,000 |
| Watauga, North Carolina | 1 | $ 156,000 | $ 156,000 | $ 34,000 |
| Yancey, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 70,000 |
| Sevier, Tennessee | 1 | $ 108,000 | $ 108,000 | $ 42,000 |
| Washington, 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.
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