Sc B&T of the Piedmont NA Mortgage Lending & HMDA Data, 2007
In 2007, Sc B&T of the Piedmont NA of Columbia, SC reported 585 mortgage applications totaling $121.1 million, up 17% from 2006. The average application was for $206,958, and applicants reported an average income of $110,714. 77% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Charlotte-Gastonia-Concord, NC-SC (490), Columbia, SC (18) and Charleston-North Charleston, SC (8) (applications in parentheses).
| Mortgage Company & Address | Sc B&T of the Piedmont NA 520 Gervais Street Columbia, SC 29201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 585 |
| Total Mortgage Loan Application Amount | $121,071,000 |
| Average Mortgage Loan Application Amount | $206,958 |
| Highest Mortgage Loan Application Amount | $1,810,000 |
| Average Applicant Income | $110,714 |
| Highest Applicant Income | $1,018,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sc B&T of the Piedmont NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| York, South Carolina | 450 | $ 90,369,000 | $ 200,820 | $ 102,000 |
| Mecklenburg, North Carolina | 31 | $ 7,961,000 | $ 256,806 | $ 122,000 |
| Lancaster, South Carolina | 22 | $ 3,683,000 | $ 167,409 | $ 76,000 |
| Chester, South Carolina | 14 | $ 1,771,000 | $ 126,500 | $ 64,000 |
| Union, North Carolina | 7 | $ 2,066,000 | $ 295,142 | $ 95,000 |
| Charleston, South Carolina | 7 | $ 1,904,000 | $ 272,000 | $ 175,000 |
| Fairfield, South Carolina | 7 | $ 1,745,000 | $ 249,285 | $ 298,000 |
| Richland, South Carolina | 7 | $ 1,217,000 | $ 173,857 | $ 147,000 |
| Horry, South Carolina | 5 | $ 1,401,000 | $ 280,200 | $ 197,000 |
| Lexington, South Carolina | 5 | $ 1,113,000 | $ 222,600 | $ 209,000 |
| Pitt, North Carolina | 2 | $ 74,000 | $ 37,000 | $ 136,000 |
| Watauga, North Carolina | 2 | $ 488,000 | $ 244,000 | $ 135,000 |
| Florence, South Carolina | 2 | $ 117,000 | $ 58,500 | $ 134,000 |
| Georgetown, South Carolina | 2 | $ 3,610,000 | $ 1,805,000 | $ 649,000 |
| Greenville, South Carolina | 2 | $ 324,000 | $ 162,000 | $ 45,000 |
| Greenwood, South Carolina | 2 | $ 372,000 | $ 186,000 | $ 70,000 |
| Laurens, South Carolina | 2 | $ 234,000 | $ 117,000 | $ 160,000 |
| Pickens, South Carolina | 2 | $ 266,000 | $ 133,000 | $ 288,000 |
| Newton, Georgia | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Ashe, North Carolina | 1 | $ 272,000 | $ 272,000 | $ 161,000 |
| Avery, North Carolina | 1 | $ 350,000 | $ 350,000 | $ 678,000 |
| Cabarrus, North Carolina | 1 | $ 190,000 | $ 190,000 | $ 42,000 |
| Gaston, North Carolina | 1 | $ 199,000 | $ 199,000 | $ 83,000 |
| Haywood, North Carolina | 1 | $ 230,000 | $ 230,000 | $ 128,000 |
| Anderson, South Carolina | 1 | $ 62,000 | $ 62,000 | $ 189,000 |
| Beaufort, South Carolina | 1 | $ 63,000 | $ 63,000 | $ 120,000 |
| Berkeley, South Carolina | 1 | $ 172,000 | $ 172,000 | $ 83,000 |
| Cherokee, South Carolina | 1 | $ 133,000 | $ 133,000 | $ 98,000 |
| Oconee, South Carolina | 1 | $ 117,000 | $ 117,000 | $ 238,000 |
| Orangeburg, South Carolina | 1 | $ 30,000 | $ 30,000 | $ 20,000 |
| Spartanburg, South Carolina | 1 | $ 214,000 | $ 214,000 | $ 85,000 |
| Knox, Tennessee | 1 | $ 180,000 | $ 180,000 | $ 405,000 |
Mortgage Loan Application Detail Totals for Sc B&T of the Piedmont NA in 2007
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 | 328 | $66,829,000 | $203,000 | $1,298,000 | $117,000 | $961,000 |
| Refinancing | 242 | $53,378,000 | $220,000 | $1,810,000 | $101,000 | $696,000 |
| Home Improvement | 15 | $864,000 | $57,000 | $232,000 | $130,000 | $1,018,000 |
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 | 502 | $105,274,000 | $209,000 | $1,810,000 | $115,000 | $961,000 |
| Not Provided | 40 | $8,540,000 | $213,000 | $1,298,000 | $88,000 | $386,000 |
| Black or African American | 15 | $3,057,000 | $203,000 | $615,000 | $94,000 | $418,000 |
| Hispanic | 10 | $1,571,000 | $157,000 | $431,000 | $63,000 | $104,000 |
| Not applicable | 10 | $1,361,000 | $136,000 | $415,000 | $0 | $0 |
| Asian | 8 | $1,268,000 | $158,000 | $384,000 | $195,000 | $1,018,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 578 | $120,249,000 | $208,000 | $1,810,000 | $111,000 | $1,018,000 |
| FHA-insured (Federal Housing Administration) | 7 | $822,000 | $117,000 | $146,000 | $67,000 | $173,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 453 | $95,234,000 | $210,000 | $1,800,000 | $116,000 | $1,018,000 |
| Application Withdrawn By Applicant | 88 | $16,727,000 | $190,000 | $784,000 | $97,000 | $678,000 |
| Application Denied By Financial Institution | 29 | $4,038,000 | $139,000 | $460,000 | $52,000 | $140,000 |
| File Closed For Incompleteness | 14 | $3,262,000 | $233,000 | $1,298,000 | $94,000 | $386,000 |
| Application Approved But Not Accepted | 1 | $1,810,000 | $1,810,000 | $1,810,000 | $696,000 | $696,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 14 | $1,452,000 | $103,000 | $426,000 | $49,000 | $140,000 |
| Debt-To-Income Ratio | 10 | $1,968,000 | $196,000 | $431,000 | $61,000 | $104,000 |
| Collateral | 3 | $117,000 | $39,000 | $84,000 | $54,000 | $87,000 |
| Credit Application Incomplete | 1 | $41,000 | $41,000 | $41,000 | $0 | $0 |
| Other | 1 | $460,000 | $460,000 | $460,000 | $38,000 | $38,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sc B&T of the Piedmont NA's 2007 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 Sc B&T of the Piedmont NA'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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