First Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2009
In 2009, First Citizens Bank & Trust Co of Columbia, SC reported 8,900 mortgage applications totaling $1.3 billion, up 9% from 2008. The average application was for $145,684, and applicants reported an average income of $89,892. 59% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Columbia, SC (1,870), Greenville-Mauldin-Easley, SC (746) and Charleston-North Charleston-Summerville, SC (581) (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 | 8,900 |
| Total Mortgage Loan Application Amount | $1,296,590,000 |
| Average Mortgage Loan Application Amount | $145,684 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $89,892 |
| Highest Applicant Income | $6,880,000 |
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records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,870 | $ 288,284,000 | $ 154,162 | $ 93,000 |
| Greenville-Mauldin-Easley, SC | 746 | $ 117,720,000 | $ 157,801 | $ 95,000 |
| Charleston-North Charleston-Summerville, SC | 581 | $ 112,463,000 | $ 193,567 | $ 108,000 |
| Spartanburg, SC | 570 | $ 71,626,000 | $ 125,659 | $ 69,000 |
| Augusta-Richmond County, GA-SC | 482 | $ 72,714,000 | $ 150,858 | $ 115,058 |
| Florence, SC | 474 | $ 58,045,000 | $ 122,457 | $ 77,000 |
| Charlotte-Gastonia-Concord, NC-SC | 379 | $ 61,838,000 | $ 163,160 | $ 79,295 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 370 | $ 63,472,000 | $ 171,545 | $ 90,000 |
| Anderson, SC | 311 | $ 46,898,000 | $ 150,797 | $ 95,000 |
| Sumter, SC | 248 | $ 28,100,000 | $ 113,306 | $ 82,000 |
| Athens-Clarke County, GA | 111 | $ 13,230,000 | $ 119,189 | $ 72,000 |
| Atlanta-Sandy Springs-Marietta, GA | 19 | $ 3,540,000 | $ 186,315 | $ 215,000 |
| Wilmington, NC | 12 | $ 3,828,000 | $ 319,000 | $ 155,000 |
| Asheville, NC | 11 | $ 2,852,000 | $ 259,272 | $ 169,000 |
| Raleigh-Cary, NC | 6 | $ 912,000 | $ 152,000 | $ 105,000 |
| Durham-Chapel Hill, NC | 5 | $ 627,000 | $ 125,400 | $ 63,000 |
| Greensboro-High Point, NC | 2 | $ 416,000 | $ 208,000 | $ 88,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 213,000 | $ 106,500 | $ 84,000 |
| Savannah, GA | 2 | $ 227,000 | $ 113,500 | $ 126,000 |
| Albany, GA | 1 | $ 180,000 | $ 180,000 | $ 154,000 |
| Brunswick, GA | 1 | $ 417,000 | $ 417,000 | $ 327,000 |
| Fayetteville, NC | 1 | $ 47,000 | $ 47,000 | $ 54,000 |
| Greenville, NC | 1 | $ 63,000 | $ 63,000 | $ 245,000 |
| Jacksonville, NC | 1 | $ 50,000 | $ 50,000 | $ 61,000 |
| Macon, GA | 1 | $ 139,000 | $ 139,000 | $ 60,000 |
| Warner Robins, GA | 1 | $ 78,000 | $ 78,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for First Citizens Bank & Trust Co in 2009
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 | 6,324 | $982,187,000 | $155,000 | $1,668,000 | $91,000 | $2,160,000 |
| Home Purchase | 2,236 | $296,095,000 | $132,000 | $2,500,000 | $91,000 | $6,880,000 |
| Home Improvement | 340 | $18,308,000 | $53,000 | $600,000 | $62,000 | $418,000 |
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 | 7,321 | $1,098,970,000 | $150,000 | $2,500,000 | $92,000 | $5,683,000 |
| Black or African American | 736 | $74,850,000 | $101,000 | $712,000 | $60,000 | $651,000 |
| Not Provided | 534 | $76,947,000 | $144,000 | $881,000 | $96,000 | $1,218,000 |
| Asian | 128 | $23,697,000 | $185,000 | $760,000 | $86,000 | $599,000 |
| Hispanic | 90 | $10,995,000 | $122,000 | $417,000 | $141,000 | $6,880,000 |
| Not applicable | 68 | $7,818,000 | $114,000 | $703,000 | $0 | $0 |
| American Indian or Alaskan Native | 15 | $2,131,000 | $142,000 | $515,000 | $196,000 | $1,396,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,182,000 | $147,000 | $263,000 | $58,000 | $98,000 |
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) | 8,076 | $1,187,284,000 | $147,000 | $2,500,000 | $94,000 | $6,880,000 |
| FHA-insured (Federal Housing Administration) | 691 | $93,708,000 | $135,000 | $328,000 | $55,000 | $568,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 83 | $8,652,000 | $104,000 | $204,000 | $40,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 50 | $6,946,000 | $138,000 | $296,000 | $57,000 | $150,000 |
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 | 5,222 | $763,614,000 | $146,000 | $2,500,000 | $97,000 | $5,683,000 |
| Application Denied By Financial Institution | 2,072 | $276,330,000 | $133,000 | $1,650,000 | $65,000 | $2,672,000 |
| Application Approved But Not Accepted | 1,450 | $235,553,000 | $162,000 | $1,295,000 | $100,000 | $6,880,000 |
| Application Withdrawn By Applicant | 156 | $21,093,000 | $135,000 | $881,000 | $96,000 | $1,002,000 |
| 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 | 828 | $81,986,000 | $99,000 | $538,000 | $65,000 | $2,672,000 |
| Debt-To-Income Ratio | 800 | $122,523,000 | $153,000 | $640,000 | $52,000 | $1,020,000 |
| Collateral | 293 | $46,678,000 | $159,000 | $1,650,000 | $87,000 | $1,085,000 |
| Other | 68 | $11,217,000 | $164,000 | $712,000 | $121,000 | $572,000 |
| Employment History | 32 | $5,370,000 | $167,000 | $417,000 | $70,000 | $280,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $4,077,000 | $156,000 | $337,000 | $91,000 | $528,000 |
| Unverifiable Information | 15 | $2,338,000 | $155,000 | $417,000 | $62,000 | $154,000 |
| Mortgage Insurance Denied | 10 | $2,141,000 | $214,000 | $415,000 | $85,000 | $119,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Citizens Bank & Trust Co's 2009 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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