First Citizens Bank & Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
First Citizens Bank & Trust Co 2014 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 | 5,876 |
| Total Mortgage Loan Application Amount | $985,209,000 |
| Average Mortgage Loan Application Amount | $145,333 |
| Highest Mortgage Loan Application Amount | $3,100,000 |
| Average Applicant Income | $88,666 |
| Highest Applicant Income | $1,644,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 487 | $ 76,636,000 | $ 157,000 | $ 95,000 |
| Charleston County South Carolina | 428 | $ 116,271,000 | $ 271,000 | $ 117,000 |
| Spartanburg County South Carolina | 340 | $ 44,461,000 | $ 130,000 | $ 76,000 |
| Lexington County South Carolina | 337 | $ 51,621,000 | $ 153,000 | $ 76,000 |
| Greenville County South Carolina | 295 | $ 61,327,000 | $ 207,000 | $ 122,000 |
| Horry County South Carolina | 232 | $ 39,769,000 | $ 171,000 | $ 92,000 |
| Orangeburg County South Carolina | 209 | $ 23,715,000 | $ 113,000 | $ 71,000 |
| York County South Carolina | 188 | $ 32,743,000 | $ 174,000 | $ 91,000 |
| Florence County South Carolina | 165 | $ 17,125,000 | $ 103,000 | $ 68,000 |
| Darlington County South Carolina | 157 | $ 22,137,000 | $ 141,000 | $ 79,000 |
| Sumter County South Carolina | 156 | $ 18,822,000 | $ 120,000 | $ 91,000 |
| Chesterfield County South Carolina | 154 | $ 15,041,000 | $ 97,000 | $ 63,000 |
| Anderson County South Carolina | 147 | $ 22,755,000 | $ 154,000 | $ 109,000 |
| Berkeley County South Carolina | 141 | $ 30,074,000 | $ 213,000 | $ 97,000 |
| Aiken County South Carolina | 129 | $ 18,769,000 | $ 145,000 | $ 84,000 |
| Pickens County South Carolina | 123 | $ 16,448,000 | $ 133,000 | $ 67,000 |
| Fulton County Georgia | 110 | $ 47,244,000 | $ 429,000 | $ 212,000 |
| Lancaster County South Carolina | 104 | $ 13,587,000 | $ 130,000 | $ 67,000 |
| Columbia County Georgia | 100 | $ 22,595,000 | $ 225,000 | $ 131,000 |
| Kershaw County South Carolina | 95 | $ 13,586,000 | $ 143,000 | $ 88,000 |
| Dorchester County South Carolina | 92 | $ 12,379,000 | $ 134,000 | $ 80,000 |
| Greenwood County South Carolina | 89 | $ 9,749,000 | $ 109,000 | $ 61,000 |
| Oconee County South Carolina | 79 | $ 11,698,000 | $ 148,000 | $ 85,000 |
| Beaufort County South Carolina | 73 | $ 22,518,000 | $ 308,000 | $ 177,000 |
| Dillon County South Carolina | 67 | $ 5,740,000 | $ 85,000 | $ 79,000 |
| Stephens County Georgia | 63 | $ 7,470,000 | $ 118,000 | $ 97,000 |
| Georgetown County South Carolina | 62 | $ 10,566,000 | $ 170,000 | $ 110,000 |
| Chester County South Carolina | 61 | $ 6,679,000 | $ 109,000 | $ 62,000 |
| DeKalb County Georgia | 58 | $ 19,820,000 | $ 341,000 | $ 144,000 |
| Madison County Georgia | 57 | $ 5,705,000 | $ 100,000 | $ 57,000 |
| Fairfield County South Carolina | 57 | $ 7,153,000 | $ 125,000 | $ 80,000 |
| Marlboro County South Carolina | 54 | $ 3,783,000 | $ 70,000 | $ 57,000 |
| Abbeville County South Carolina | 50 | $ 4,793,000 | $ 95,000 | $ 64,000 |
| Edgefield County South Carolina | 50 | $ 5,173,000 | $ 103,000 | $ 72,000 |
| Chatham County Georgia | 49 | $ 15,276,000 | $ 311,000 | $ 158,000 |
| Richmond County Georgia | 48 | $ 6,821,000 | $ 142,000 | $ 101,000 |
| Hart County Georgia | 45 | $ 4,425,000 | $ 98,000 | $ 55,000 |
| Newberry County South Carolina | 44 | $ 4,977,000 | $ 113,000 | $ 70,000 |
| Cobb County Georgia | 43 | $ 13,898,000 | $ 323,000 | $ 204,000 |
| Marion County South Carolina | 43 | $ 3,575,000 | $ 83,000 | $ 58,000 |
| Laurens County South Carolina | 42 | $ 4,284,000 | $ 102,000 | $ 88,000 |
| Clarendon County South Carolina | 41 | $ 5,142,000 | $ 125,000 | $ 111,000 |
| Franklin County Georgia | 35 | $ 4,502,000 | $ 128,000 | $ 80,000 |
| Saluda County South Carolina | 34 | $ 3,874,000 | $ 113,000 | $ 78,000 |
| Gwinnett County Georgia | 33 | $ 10,206,000 | $ 309,000 | $ 142,000 |
| Mecklenburg County North Carolina | 28 | $ 5,345,000 | $ 190,000 | $ 93,000 |
| Williamsburg County South Carolina | 25 | $ 1,988,000 | $ 79,000 | $ 86,000 |
| Barnwell County South Carolina | 23 | $ 1,652,000 | $ 71,000 | $ 53,000 |
| Lee County South Carolina | 23 | $ 1,957,000 | $ 85,000 | $ 60,000 |
| McCormick County South Carolina | 20 | $ 2,897,000 | $ 144,000 | $ 79,000 |
| McDuffie County Georgia | 19 | $ 2,234,000 | $ 117,000 | $ 69,000 |
| Calhoun County South Carolina | 19 | $ 3,282,000 | $ 172,000 | $ 89,000 |
| Colleton County South Carolina | 15 | $ 3,870,000 | $ 258,000 | $ 119,000 |
| Union County North Carolina | 11 | $ 2,428,000 | $ 220,000 | $ 120,000 |
| Cherokee County Georgia | 10 | $ 3,428,000 | $ 342,000 | $ 179,000 |
| Clarke County Georgia | 9 | $ 1,008,000 | $ 112,000 | $ 57,000 |
| Forsyth County Georgia | 8 | $ 2,065,000 | $ 258,000 | $ 256,000 |
| Oglethorpe County Georgia | 8 | $ 892,000 | $ 111,000 | $ 50,000 |
| Rockdale County Georgia | 7 | $ 1,490,000 | $ 212,000 | $ 81,000 |
| Cherokee County South Carolina | 7 | $ 486,000 | $ 69,000 | $ 27,000 |
| Clayton County Georgia | 6 | $ 318,000 | $ 53,000 | $ 112,000 |
| Polk County North Carolina | 6 | $ 1,234,000 | $ 205,000 | $ 146,000 |
| Bamberg County South Carolina | 6 | $ 602,000 | $ 100,000 | $ 68,000 |
| Union County South Carolina | 6 | $ 541,000 | $ 90,000 | $ 56,000 |
| Carroll County Georgia | 5 | $ 790,000 | $ 158,000 | $ 109,000 |
| Coweta County Georgia | 5 | $ 585,000 | $ 117,000 | $ 40,000 |
| Hall County Georgia | 5 | $ 1,237,000 | $ 247,000 | $ 178,000 |
| Union County Georgia | 5 | $ 713,000 | $ 142,000 | $ 43,000 |
| Douglas County Georgia | 4 | $ 652,000 | $ 163,000 | $ 110,000 |
| Elbert County Georgia | 4 | $ 596,000 | $ 149,000 | $ 34,000 |
| Lincoln County Georgia | 4 | $ 724,000 | $ 181,000 | $ 81,000 |
| Paulding County Georgia | 4 | $ 1,160,000 | $ 290,000 | $ 122,000 |
| Towns County Georgia | 4 | $ 833,000 | $ 208,000 | $ 125,000 |
| Warren County Georgia | 4 | $ 444,000 | $ 111,000 | $ 92,000 |
| Brunswick County North Carolina | 4 | $ 1,058,000 | $ 264,000 | $ 192,000 |
| Gaston County North Carolina | 4 | $ 632,000 | $ 158,000 | $ 61,000 |
| Transylvania County North Carolina | 4 | $ 1,054,000 | $ 263,000 | $ 120,000 |
| Barrow County Georgia | 3 | $ 624,000 | $ 208,000 | $ 105,000 |
| Effingham County Georgia | 3 | $ 651,000 | $ 217,000 | $ 107,000 |
| Fayette County Georgia | 3 | $ 1,318,000 | $ 439,000 | $ 152,000 |
| Habersham County Georgia | 3 | $ 304,000 | $ 101,000 | $ 61,000 |
| Henry County Georgia | 3 | $ 598,000 | $ 199,000 | $ 135,000 |
| Rabun County Georgia | 3 | $ 775,000 | $ 258,000 | $ 206,000 |
| Cabarrus County North Carolina | 3 | $ 820,000 | $ 273,000 | $ 111,000 |
| Forsyth County North Carolina | 3 | $ 332,000 | $ 110,000 | $ 75,000 |
| Henderson County North Carolina | 3 | $ 436,000 | $ 145,000 | $ 76,000 |
| Robeson County North Carolina | 3 | $ 258,000 | $ 86,000 | $ 55,000 |
| Watauga County North Carolina | 3 | $ 1,530,000 | $ 510,000 | $ 367,000 |
| Banks County Georgia | 2 | $ 202,000 | $ 101,000 | $ 70,000 |
| Bartow County Georgia | 2 | $ 315,000 | $ 157,000 | $ 92,000 |
| Bulloch County Georgia | 2 | $ 236,000 | $ 118,000 | $ 56,000 |
| Glascock County Georgia | 2 | $ 165,000 | $ 82,000 | $ 49,000 |
| Jackson County Georgia | 2 | $ 160,000 | $ 80,000 | $ 39,000 |
| Oconee County Georgia | 2 | $ 626,000 | $ 313,000 | $ 131,000 |
| Walton County Georgia | 2 | $ 847,000 | $ 423,000 | $ 487,000 |
| Haywood County North Carolina | 2 | $ 476,000 | $ 238,000 | $ 248,000 |
| Jackson County North Carolina | 2 | $ 625,000 | $ 312,000 | $ 210,000 |
| Lincoln County North Carolina | 2 | $ 203,000 | $ 101,000 | $ 72,000 |
| Macon County North Carolina | 2 | $ 3,180,000 | $ 1,590,000 | $ 40,000 |
| McDowell County North Carolina | 2 | $ 286,000 | $ 143,000 | $ 58,000 |
| Mitchell County North Carolina | 2 | $ 160,000 | $ 80,000 | $ 61,000 |
| New Hanover County North Carolina | 2 | $ 172,000 | $ 86,000 | $ 51,000 |
| Rutherford County North Carolina | 2 | $ 345,000 | $ 172,000 | $ 73,000 |
| Scotland County North Carolina | 2 | $ 196,000 | $ 98,000 | $ 12,000 |
| Jasper County South Carolina | 2 | $ 251,000 | $ 125,000 | $ 90,000 |
| Eagle County Colorado | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Broward County Florida | 1 | $ 177,000 | $ 177,000 | $ 19,000 |
| Manatee County Florida | 1 | $ 380,000 | $ 380,000 | $ 260,000 |
| Nassau County Florida | 1 | $ 212,000 | $ 212,000 | $ 320,000 |
| Walton County Florida | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Bacon County Georgia | 1 | $ 171,000 | $ 171,000 | $ 94,000 |
| Brantley County Georgia | 1 | $ 32,000 | $ 32,000 | $ 26,000 |
| Dawson County Georgia | 1 | $ 85,000 | $ 85,000 | $ 366,000 |
| Glynn County Georgia | 1 | $ 407,000 | $ 407,000 | $ 232,000 |
| Jeff Davis County Georgia | 1 | $ 306,000 | $ 306,000 | $ 180,000 |
| Jefferson County Georgia | 1 | $ 74,000 | $ 74,000 | $ 33,000 |
| Jenkins County Georgia | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Laurens County Georgia | 1 | $ 333,000 | $ 333,000 | $ 140,000 |
| McIntosh County Georgia | 1 | $ 175,000 | $ 175,000 | $ 93,000 |
| Muscogee County Georgia | 1 | $ 248,000 | $ 248,000 | $ 61,000 |
| Newton County Georgia | 1 | $ 171,000 | $ 171,000 | $ 68,000 |
| Anson County North Carolina | 1 | $ 32,000 | $ 32,000 | $ 23,000 |
| Buncombe County North Carolina | 1 | $ 92,000 | $ 92,000 | $ 126,000 |
| Caswell County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 50,000 |
| Catawba County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Clay County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 197,000 |
| Craven County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 1,088,000 |
| Davie County North Carolina | 1 | $ 256,000 | $ 256,000 | $ 138,000 |
| Edgecombe County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Guilford County North Carolina | 1 | $ 148,000 | $ 148,000 | $ 122,000 |
| Lee County North Carolina | 1 | $ 193,000 | $ 193,000 | $ 106,000 |
| Pitt County North Carolina | 1 | $ 168,000 | $ 168,000 | $ 87,000 |
| Rowan County North Carolina | 1 | $ 448,000 | $ 448,000 | $ 248,000 |
| Warren County North Carolina | 1 | $ 318,000 | $ 318,000 | $ 110,000 |
| Yancey County North Carolina | 1 | $ 87,000 | $ 87,000 | $ 44,000 |
| Allendale County South Carolina | 1 | $ 33,000 | $ 33,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for First Citizens Bank & Trust Co in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,860 | $528,420,000 | $184,000 | $1,800,000 | $98,000 | $1,455,000 |
| Refinancing | 2,479 | $409,832,000 | $165,000 | $3,100,000 | $95,000 | $1,644,000 |
| Home Improvement | 537 | $46,957,000 | $87,000 | $550,000 | $73,000 | $664,000 |
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 | 4,373 | $746,681,000 | $170,000 | $3,100,000 | $99,000 | $1,644,000 |
| Not Provided | 636 | $110,613,000 | $173,000 | $1,387,000 | $102,000 | $1,306,000 |
| Black or African American | 493 | $52,590,000 | $106,000 | $1,000,000 | $70,000 | $1,102,000 |
| Asian | 138 | $26,415,000 | $191,000 | $2,137,000 | $121,000 | $884,000 |
| Not applicable | 128 | $34,322,000 | $268,000 | $3,031,000 | $0 | $0 |
| Hispanic | 85 | $11,427,000 | $134,000 | $812,000 | $61,000 | $402,000 |
| American Indian or Alaskan Native | 15 | $1,953,000 | $130,000 | $312,000 | $64,000 | $193,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,208,000 | $151,000 | $412,000 | $74,000 | $121,000 |
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) | 5,450 | $928,898,000 | $170,000 | $3,100,000 | $98,000 | $1,644,000 |
| FHA-insured (Federal Housing Administration) | 202 | $25,216,000 | $124,000 | $290,000 | $53,000 | $218,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 128 | $13,486,000 | $105,000 | $281,000 | $39,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 96 | $17,609,000 | $183,000 | $391,000 | $72,000 | $193,000 |
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 | 3,700 | $619,326,000 | $167,000 | $3,100,000 | $102,000 | $1,638,000 |
| Application Denied By Financial Institution | 1,389 | $200,787,000 | $144,000 | $1,800,000 | $70,000 | $815,000 |
| File Closed For Incompleteness | 387 | $81,381,000 | $210,000 | $1,800,000 | $98,000 | $996,000 |
| Application Withdrawn By Applicant | 201 | $55,458,000 | $275,000 | $3,031,000 | $120,000 | $1,455,000 |
| Application Approved But Not Accepted | 199 | $28,257,000 | $141,000 | $2,137,000 | $92,000 | $1,644,000 |
| 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 | 614 | $95,187,000 | $155,000 | $1,800,000 | $53,000 | $552,000 |
| Credit History | 496 | $58,021,000 | $116,000 | $1,387,000 | $75,000 | $815,000 |
| Collateral | 189 | $34,796,000 | $184,000 | $1,093,000 | $109,000 | $761,000 |
| Other | 31 | $3,942,000 | $127,000 | $340,000 | $81,000 | $376,000 |
| Employment History | 31 | $4,316,000 | $139,000 | $300,000 | $62,000 | $218,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $1,549,000 | $103,000 | $600,000 | $61,000 | $315,000 |
| Unverifiable Information | 12 | $2,836,000 | $236,000 | $600,000 | $90,000 | $205,000 |
| Mortgage Insurance Denied | 1 | $140,000 | $140,000 | $140,000 | $73,000 | $73,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Citizens Bank & Trust Co's 2014 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.