First Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2014
In 2014, First Citizens Bank & Trust Co of Columbia, SC reported 5,876 mortgage applications totaling $985.2 million, down 35% from 2013. The average application was for $167,666, and applicants reported an average income of $94,449. 63% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Columbia, SC (1,029), Charleston-North Charleston, SC (661) and Greenville-Anderson-Mauldin, SC (607) (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 | 5,876 |
| Total Mortgage Loan Application Amount | $985,209,000 |
| Average Mortgage Loan Application Amount | $167,666 |
| Highest Mortgage Loan Application Amount | $3,100,000 |
| Average Applicant Income | $94,449 |
| Highest Applicant Income | $1,644,000 |
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records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Columbia, SC | 1,029 | $ 156,152,000 | $ 151,751 | $ 87,000 |
| Charleston-North Charleston, SC | 661 | $ 158,724,000 | $ 240,127 | $ 108,000 |
| Greenville-Anderson-Mauldin, SC | 607 | $ 104,814,000 | $ 172,675 | $ 105,000 |
| Charlotte-Concord-Gastonia, NC-SC | 402 | $ 62,885,000 | $ 156,430 | $ 81,559 |
| Augusta-Richmond County, GA-SC | 350 | $ 56,316,000 | $ 160,902 | $ 97,611 |
| Spartanburg, SC | 346 | $ 45,002,000 | $ 130,063 | $ 76,000 |
| Florence, SC | 322 | $ 39,262,000 | $ 121,931 | $ 73,000 |
| Atlanta-Sandy Springs-Roswell, GA | 308 | $ 105,614,000 | $ 342,902 | $ 178,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 236 | $ 40,827,000 | $ 172,995 | $ 93,694 |
| Sumter, SC | 156 | $ 18,822,000 | $ 120,653 | $ 91,000 |
| Athens-Clarke County, GA | 76 | $ 8,231,000 | $ 108,302 | $ 58,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 75 | $ 22,769,000 | $ 303,586 | $ 175,000 |
| Savannah, GA | 52 | $ 15,927,000 | $ 306,288 | $ 155,000 |
| Asheville, NC | 6 | $ 1,004,000 | $ 167,333 | $ 142,000 |
| Gainesville, GA | 5 | $ 1,237,000 | $ 247,400 | $ 178,000 |
| Winston-Salem, NC | 4 | $ 588,000 | $ 147,000 | $ 90,000 |
| Brunswick, GA | 3 | $ 614,000 | $ 204,666 | $ 117,000 |
| Wilmington, NC | 2 | $ 172,000 | $ 86,000 | $ 51,000 |
| Columbus, GA-AL | 1 | $ 248,000 | $ 248,000 | $ 61,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 177,000 | $ 177,000 | $ 19,000 |
| Greensboro-High Point, NC | 1 | $ 148,000 | $ 148,000 | $ 122,000 |
| Greenville, NC | 1 | $ 168,000 | $ 168,000 | $ 87,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Jacksonville, FL | 1 | $ 212,000 | $ 212,000 | $ 320,000 |
| New Bern, NC | 1 | $ 175,000 | $ 175,000 | $ 1,088,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 380,000 | $ 380,000 | $ 260,000 |
| Rocky Mount, NC | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
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.
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