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records First Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,769 | $ 261,486,000 | $ 147,815 | $ 87,000 |
| Charleston-North Charleston-Summerville, SC | 942 | $ 216,981,000 | $ 230,340 | $ 118,000 |
| Greenville-Mauldin-Easley, SC | 670 | $ 109,620,000 | $ 163,611 | $ 101,000 |
| Spartanburg, SC | 606 | $ 78,324,000 | $ 129,247 | $ 74,000 |
| Florence, SC | 518 | $ 64,830,000 | $ 125,154 | $ 76,000 |
| Augusta-Richmond County, GA-SC | 455 | $ 68,841,000 | $ 151,298 | $ 108,947 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 355 | $ 56,267,000 | $ 158,498 | $ 89,284 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 328 | $ 49,825,000 | $ 151,905 | $ 89,000 |
| Anderson, SC | 260 | $ 39,903,000 | $ 153,473 | $ 98,000 |
| Sumter, SC | 258 | $ 30,718,000 | $ 119,062 | $ 90,000 |
| Atlanta-Sandy Springs-Marietta, GA | 251 | $ 69,475,000 | $ 276,792 | $ 146,000 |
| Athens-Clarke County, GA | 134 | $ 13,995,000 | $ 104,440 | $ 69,000 |
| Savannah, GA | 60 | $ 15,289,000 | $ 254,816 | $ 182,000 |
| Asheville, NC | 16 | $ 2,896,000 | $ 181,000 | $ 144,000 |
| Wilmington, NC | 13 | $ 2,813,000 | $ 216,384 | $ 157,000 |
| Gainesville, GA | 6 | $ 1,653,000 | $ 275,500 | $ 174,000 |
| Greensboro-High Point, NC | 4 | $ 681,000 | $ 170,250 | $ 130,000 |
| Raleigh-Cary, NC | 4 | $ 466,000 | $ 116,500 | $ 56,000 |
| Brunswick, GA | 2 | $ 283,000 | $ 141,500 | $ 53,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 319,000 | $ 159,500 | $ 50,000 |
| Macon, GA | 2 | $ 211,000 | $ 105,500 | $ 50,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Fayetteville, NC | 1 | $ 128,000 | $ 128,000 | $ 190,000 |
| Morgantown, WV | 1 | $ 40,000 | $ 40,000 | $ 35,000 |
| Rocky Mount, NC | 1 | $ 159,000 | $ 159,000 | $ 96,000 |
| Rome, GA | 1 | $ 521,000 | $ 521,000 | $ 86,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Winston-Salem, NC | 1 | $ 104,000 | $ 104,000 | $ 97,000 |
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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