First Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2013
In 2013, First Citizens Bank & Trust Co of Columbia, SC reported 8,972 mortgage applications totaling $1.4 billion. The average application was for $154,516, and applicants reported an average income of $92,740. 66% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Columbia, SC (1,769), Charleston-North Charleston-Summerville, SC (942) and Greenville-Mauldin-Easley, SC (670) (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 | 8,972 |
| Total Mortgage Loan Application Amount | $1,386,319,000 |
| Average Mortgage Loan Application Amount | $154,516 |
| Highest Mortgage Loan Application Amount | $3,400,000 |
| Average Applicant Income | $92,740 |
| Highest Applicant Income | $2,173,000 |
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records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 833 | $ 126,894,000 | $ 152,333 | $ 91,000 |
| Spartanburg, South Carolina | 606 | $ 78,324,000 | $ 129,247 | $ 74,000 |
| Lexington, South Carolina | 584 | $ 90,364,000 | $ 154,732 | $ 86,000 |
| Charleston, South Carolina | 582 | $ 150,777,000 | $ 259,067 | $ 130,000 |
| Greenville, South Carolina | 414 | $ 75,083,000 | $ 181,359 | $ 106,000 |
| Horry, South Carolina | 328 | $ 49,825,000 | $ 151,905 | $ 89,000 |
| York, South Carolina | 316 | $ 49,812,000 | $ 157,632 | $ 85,000 |
| Orangeburg, South Carolina | 298 | $ 36,129,000 | $ 121,238 | $ 83,000 |
| Florence, South Carolina | 271 | $ 34,071,000 | $ 125,723 | $ 73,000 |
| Anderson, South Carolina | 260 | $ 39,903,000 | $ 153,473 | $ 98,000 |
| Sumter, South Carolina | 258 | $ 30,718,000 | $ 119,062 | $ 90,000 |
| Aiken, South Carolina | 252 | $ 36,623,000 | $ 145,329 | $ 103,000 |
| Darlington, South Carolina | 247 | $ 30,759,000 | $ 124,530 | $ 78,000 |
| Berkeley, South Carolina | 225 | $ 42,483,000 | $ 188,813 | $ 96,000 |
| Pickens, South Carolina | 206 | $ 29,422,000 | $ 142,825 | $ 95,000 |
| Chesterfield, South Carolina | 188 | $ 19,499,000 | $ 103,718 | $ 64,000 |
| Kershaw, South Carolina | 176 | $ 24,173,000 | $ 137,346 | $ 79,000 |
| Lancaster, South Carolina | 167 | $ 20,694,000 | $ 123,916 | $ 70,000 |
| Oconee, South Carolina | 148 | $ 22,369,000 | $ 151,141 | $ 89,000 |
| Dorchester, South Carolina | 135 | $ 23,721,000 | $ 175,711 | $ 99,000 |
| Dillon, South Carolina | 119 | $ 10,584,000 | $ 88,941 | $ 77,000 |
| Beaufort, South Carolina | 114 | $ 26,049,000 | $ 228,500 | $ 117,000 |
| Greenwood, South Carolina | 112 | $ 18,567,000 | $ 165,776 | $ 97,000 |
| Madison, Georgia | 107 | $ 10,398,000 | $ 97,177 | $ 59,000 |
| Georgetown, South Carolina | 105 | $ 19,133,000 | $ 182,219 | $ 109,000 |
| Chester, South Carolina | 97 | $ 10,626,000 | $ 109,546 | $ 58,000 |
| Hart, Georgia | 84 | $ 10,613,000 | $ 126,345 | $ 95,000 |
| Marion, South Carolina | 84 | $ 7,849,000 | $ 93,440 | $ 58,000 |
| Marlboro, South Carolina | 84 | $ 6,099,000 | $ 72,607 | $ 53,000 |
| Franklin, Georgia | 81 | $ 11,056,000 | $ 136,493 | $ 82,000 |
| Fairfield, South Carolina | 81 | $ 8,812,000 | $ 108,790 | $ 73,000 |
| Columbia, Georgia | 76 | $ 13,742,000 | $ 180,815 | $ 113,000 |
| Fulton, Georgia | 70 | $ 25,146,000 | $ 359,228 | $ 212,000 |
| Cobb, Georgia | 67 | $ 19,378,000 | $ 289,223 | $ 146,000 |
| Newberry, South Carolina | 66 | $ 9,072,000 | $ 137,454 | $ 79,000 |
| Stephens, Georgia | 64 | $ 8,088,000 | $ 126,375 | $ 81,000 |
| Abbeville, South Carolina | 64 | $ 6,135,000 | $ 95,859 | $ 80,000 |
| Chatham, Georgia | 57 | $ 14,617,000 | $ 256,438 | $ 184,000 |
| Edgefield, South Carolina | 57 | $ 5,920,000 | $ 103,859 | $ 79,000 |
| Saluda, South Carolina | 56 | $ 5,697,000 | $ 101,732 | $ 105,000 |
| Clarendon, South Carolina | 55 | $ 7,639,000 | $ 138,890 | $ 103,000 |
| Laurens, South Carolina | 50 | $ 5,115,000 | $ 102,300 | $ 75,000 |
| Williamsburg, South Carolina | 50 | $ 5,772,000 | $ 115,440 | $ 70,000 |
| Barnwell, South Carolina | 47 | $ 4,463,000 | $ 94,957 | $ 62,000 |
| Lee, South Carolina | 47 | $ 5,292,000 | $ 112,595 | $ 73,000 |
| Calhoun, South Carolina | 39 | $ 5,546,000 | $ 142,205 | $ 63,000 |
| Richmond, Georgia | 36 | $ 8,691,000 | $ 241,416 | $ 216,000 |
| McCormick, South Carolina | 36 | $ 5,010,000 | $ 139,166 | $ 130,000 |
| McDuffie, Georgia | 33 | $ 3,705,000 | $ 112,272 | $ 77,000 |
| Gwinnett, Georgia | 25 | $ 5,478,000 | $ 219,120 | $ 103,000 |
| Mecklenburg, North Carolina | 25 | $ 4,364,000 | $ 174,560 | $ 145,000 |
| Paulding, Georgia | 21 | $ 3,366,000 | $ 160,285 | $ 78,000 |
| Cherokee, South Carolina | 21 | $ 2,081,000 | $ 99,095 | $ 66,000 |
| Colleton, South Carolina | 18 | $ 4,943,000 | $ 274,611 | $ 185,000 |
| DeKalb, Georgia | 17 | $ 5,867,000 | $ 345,117 | $ 165,000 |
| Clarke, Georgia | 16 | $ 1,662,000 | $ 103,875 | $ 118,000 |
| Warren, Georgia | 16 | $ 1,389,000 | $ 86,812 | $ 63,000 |
| Bamberg, South Carolina | 15 | $ 1,488,000 | $ 99,200 | $ 129,000 |
| Jackson, Georgia | 14 | $ 1,740,000 | $ 124,285 | $ 86,000 |
| Brunswick, North Carolina | 12 | $ 2,641,000 | $ 220,083 | $ 162,000 |
| Habersham, Georgia | 11 | $ 1,577,000 | $ 143,363 | $ 65,000 |
| Cherokee, Georgia | 9 | $ 1,882,000 | $ 209,111 | $ 122,000 |
| Union, North Carolina | 9 | $ 1,294,000 | $ 143,777 | $ 62,000 |
| Union, South Carolina | 9 | $ 677,000 | $ 75,222 | $ 61,000 |
| Douglas, Georgia | 8 | $ 1,172,000 | $ 146,500 | $ 64,000 |
| Oglethorpe, Georgia | 8 | $ 1,570,000 | $ 196,250 | $ 89,000 |
| Henderson, North Carolina | 8 | $ 2,004,000 | $ 250,500 | $ 141,000 |
| Polk, North Carolina | 8 | $ 1,151,000 | $ 143,875 | $ 90,000 |
| Jasper, South Carolina | 8 | $ 1,758,000 | $ 219,750 | $ 72,000 |
| Bartow, Georgia | 7 | $ 1,766,000 | $ 252,285 | $ 110,000 |
| Carroll, Georgia | 7 | $ 1,173,000 | $ 167,571 | $ 78,000 |
| Rabun, Georgia | 7 | $ 1,365,000 | $ 195,000 | $ 141,000 |
| Forsyth, Georgia | 6 | $ 1,556,000 | $ 259,333 | $ 150,000 |
| Hall, Georgia | 6 | $ 1,653,000 | $ 275,500 | $ 174,000 |
| Elbert, Georgia | 5 | $ 434,000 | $ 86,800 | $ 69,000 |
| Robeson, North Carolina | 5 | $ 287,000 | $ 57,400 | $ 40,000 |
| Rutherford, North Carolina | 5 | $ 739,000 | $ 147,800 | $ 146,000 |
| Allendale, South Carolina | 5 | $ 945,000 | $ 189,000 | $ 55,000 |
| Gaston, North Carolina | 4 | $ 731,000 | $ 182,750 | $ 140,000 |
| Haywood, North Carolina | 4 | $ 476,000 | $ 119,000 | $ 156,000 |
| Macon, North Carolina | 4 | $ 1,206,000 | $ 301,500 | $ 193,000 |
| Watauga, North Carolina | 4 | $ 722,000 | $ 180,500 | $ 154,000 |
| Banks, Georgia | 3 | $ 509,000 | $ 169,666 | $ 47,000 |
| Oconee, Georgia | 3 | $ 365,000 | $ 121,666 | $ 80,000 |
| Pickens, Georgia | 3 | $ 901,000 | $ 300,333 | $ 128,000 |
| Towns, Georgia | 3 | $ 326,000 | $ 108,666 | $ 83,000 |
| White, Georgia | 3 | $ 306,000 | $ 102,000 | $ 33,000 |
| Buncombe, North Carolina | 3 | $ 320,000 | $ 106,666 | $ 144,000 |
| Transylvania, North Carolina | 3 | $ 432,000 | $ 144,000 | $ 270,000 |
| Wake, North Carolina | 3 | $ 384,000 | $ 128,000 | $ 64,000 |
| Barrow, Georgia | 2 | $ 113,000 | $ 56,500 | $ 56,000 |
| Dawson, Georgia | 2 | $ 570,000 | $ 285,000 | $ 157,000 |
| Effingham, Georgia | 2 | $ 320,000 | $ 160,000 | $ 91,000 |
| Fayette, Georgia | 2 | $ 370,000 | $ 185,000 | $ 90,000 |
| Gilmer, Georgia | 2 | $ 457,000 | $ 228,500 | $ 89,000 |
| Hancock, Georgia | 2 | $ 18,000 | $ 9,000 | $ 24,000 |
| Lincoln, Georgia | 2 | $ 243,000 | $ 121,500 | $ 63,000 |
| Rockdale, Georgia | 2 | $ 414,000 | $ 207,000 | $ 85,000 |
| Alleghany, North Carolina | 2 | $ 240,000 | $ 120,000 | $ 24,000 |
| Avery, North Carolina | 2 | $ 157,000 | $ 78,500 | $ 91,000 |
| Guilford, North Carolina | 2 | $ 176,000 | $ 88,000 | $ 111,000 |
| McDowell, North Carolina | 2 | $ 380,000 | $ 190,000 | $ 174,000 |
| Moore, North Carolina | 2 | $ 412,000 | $ 206,000 | $ 175,000 |
| Rowan, North Carolina | 2 | $ 207,000 | $ 103,500 | $ 193,000 |
| Scotland, North Carolina | 2 | $ 166,000 | $ 83,000 | $ 29,000 |
| Lee, Florida | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Bibb, Georgia | 1 | $ 66,000 | $ 66,000 | $ 25,000 |
| Bryan, Georgia | 1 | $ 352,000 | $ 352,000 | $ 257,000 |
| Burke, Georgia | 1 | $ 160,000 | $ 160,000 | $ 71,000 |
| Camden, Georgia | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| Clayton, Georgia | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Coweta, Georgia | 1 | $ 151,000 | $ 151,000 | $ 106,000 |
| Floyd, Georgia | 1 | $ 521,000 | $ 521,000 | $ 86,000 |
| Glascock, Georgia | 1 | $ 140,000 | $ 140,000 | $ 76,000 |
| Glynn, Georgia | 1 | $ 194,000 | $ 194,000 | $ 81,000 |
| Greene, Georgia | 1 | $ 391,000 | $ 391,000 | $ 374,000 |
| Haralson, Georgia | 1 | $ 122,000 | $ 122,000 | $ 57,000 |
| Jones, Georgia | 1 | $ 145,000 | $ 145,000 | $ 76,000 |
| McIntosh, Georgia | 1 | $ 89,000 | $ 89,000 | $ 25,000 |
| Toombs, Georgia | 1 | $ 77,000 | $ 77,000 | $ 93,000 |
| Washington, Georgia | 1 | $ 135,000 | $ 135,000 | $ 29,000 |
| Anson, North Carolina | 1 | $ 66,000 | $ 66,000 | $ 68,000 |
| Beaufort, North Carolina | 1 | $ 465,000 | $ 465,000 | $ 65,000 |
| Burke, North Carolina | 1 | $ 139,000 | $ 139,000 | $ 39,000 |
| Carteret, North Carolina | 1 | $ 333,000 | $ 333,000 | $ 64,000 |
| Catawba, North Carolina | 1 | $ 180,000 | $ 180,000 | $ 62,000 |
| Columbus, North Carolina | 1 | $ 40,000 | $ 40,000 | $ 49,000 |
| Craven, North Carolina | 1 | $ 86,000 | $ 86,000 | $ 129,000 |
| Cumberland, North Carolina | 1 | $ 128,000 | $ 128,000 | $ 190,000 |
| Davidson, North Carolina | 1 | $ 537,000 | $ 537,000 | $ 318,000 |
| Edgecombe, North Carolina | 1 | $ 159,000 | $ 159,000 | $ 96,000 |
| Forsyth, North Carolina | 1 | $ 104,000 | $ 104,000 | $ 97,000 |
| Franklin, North Carolina | 1 | $ 82,000 | $ 82,000 | $ 32,000 |
| Jackson, North Carolina | 1 | $ 240,000 | $ 240,000 | $ 97,000 |
| Madison, North Carolina | 1 | $ 96,000 | $ 96,000 | $ 122,000 |
| Montgomery, North Carolina | 1 | $ 48,000 | $ 48,000 | $ 55,000 |
| Pender, North Carolina | 1 | $ 172,000 | $ 172,000 | $ 103,000 |
| Randolph, North Carolina | 1 | $ 261,000 | $ 261,000 | $ 175,000 |
| Rockingham, North Carolina | 1 | $ 244,000 | $ 244,000 | $ 125,000 |
| Swain, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 43,000 |
| Wilson, North Carolina | 1 | $ 134,000 | $ 134,000 | $ 80,000 |
| Yancey, North Carolina | 1 | $ 147,000 | $ 147,000 | $ 122,000 |
| Manassas, Virginia | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Monongalia, West Virginia | 1 | $ 40,000 | $ 40,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for First Citizens Bank & Trust Co in 2013
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 | 5,552 | $874,866,000 | $157,000 | $3,400,000 | $95,000 | $1,648,000 |
| Home Purchase | 2,794 | $456,862,000 | $163,000 | $1,665,000 | $92,000 | $2,173,000 |
| Home Improvement | 626 | $54,591,000 | $87,000 | $1,235,000 | $76,000 | $1,133,000 |
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 | 6,950 | $1,081,130,000 | $155,000 | $1,665,000 | $96,000 | $2,095,000 |
| Not Provided | 893 | $160,414,000 | $179,000 | $1,583,000 | $110,000 | $2,173,000 |
| Black or African American | 696 | $68,077,000 | $97,000 | $636,000 | $64,000 | $472,000 |
| Asian | 165 | $30,011,000 | $181,000 | $1,496,000 | $95,000 | $1,329,000 |
| Not applicable | 141 | $31,895,000 | $226,000 | $3,400,000 | $0 | $0 |
| Hispanic | 101 | $11,507,000 | $113,000 | $417,000 | $57,000 | $302,000 |
| American Indian or Alaskan Native | 16 | $1,621,000 | $101,000 | $238,000 | $48,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,664,000 | $166,000 | $323,000 | $113,000 | $257,000 |
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) | 8,493 | $1,322,119,000 | $155,000 | $3,400,000 | $95,000 | $2,173,000 |
| FHA-insured (Federal Housing Administration) | 289 | $38,418,000 | $132,000 | $442,000 | $57,000 | $611,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 140 | $15,716,000 | $112,000 | $209,000 | $39,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 50 | $10,066,000 | $201,000 | $442,000 | $72,000 | $176,000 |
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 | 5,961 | $902,467,000 | $151,000 | $3,400,000 | $98,000 | $2,173,000 |
| Application Denied By Financial Institution | 2,045 | $310,756,000 | $151,000 | $1,658,000 | $72,000 | $1,317,000 |
| Application Approved But Not Accepted | 733 | $130,657,000 | $178,000 | $1,496,000 | $107,000 | $1,646,000 |
| Application Withdrawn By Applicant | 158 | $26,503,000 | $167,000 | $1,107,000 | $90,000 | $728,000 |
| File Closed For Incompleteness | 75 | $15,936,000 | $212,000 | $790,000 | $125,000 | $900,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 777 | $128,397,000 | $165,000 | $1,235,000 | $48,000 | $420,000 |
| Credit History | 679 | $79,230,000 | $116,000 | $1,645,000 | $74,000 | $702,000 |
| Collateral | 403 | $71,414,000 | $177,000 | $1,658,000 | $101,000 | $1,317,000 |
| Other | 65 | $13,226,000 | $203,000 | $971,000 | $128,000 | $1,200,000 |
| Employment History | 35 | $4,417,000 | $126,000 | $316,000 | $75,000 | $233,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 32 | $3,425,000 | $107,000 | $336,000 | $65,000 | $257,000 |
| Unverifiable Information | 28 | $5,300,000 | $189,000 | $613,000 | $111,000 | $813,000 |
| Credit Application Incomplete | 25 | $5,012,000 | $200,000 | $920,000 | $87,000 | $276,000 |
| Mortgage Insurance Denied | 1 | $335,000 | $335,000 | $335,000 | $152,000 | $152,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Citizens Bank & Trust Co's 2013 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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