Sc B&T of the Piedmont NA Mortgage Lending & HMDA Data, 2003
In 2003, Sc B&T of the Piedmont NA of Columbia, SC reported 732 mortgage applications totaling $121.3 million. The average application was for $165,672, and applicants reported an average income of $113,228. 99% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Charlotte-Gastonia-Rock Hill, NC-SC (16), Greenville-Spartanburg-Anderson, SC (10) and Columbia, SC (6) (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 | 732 |
| Total Mortgage Loan Application Amount | $121,272,000 |
| Average Mortgage Loan Application Amount | $165,672 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $113,228 |
| Highest Applicant Income | $2,348,000 |
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records Sc B&T of the Piedmont NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 646 | $ 106,251,000 | $ 164,475 | $ 91,000 |
| Mecklenburg, North Carolina | 11 | $ 2,795,000 | $ 254,090 | $ 136,000 |
| Lancaster, South Carolina | 11 | $ 1,189,000 | $ 108,090 | $ 81,000 |
| Chester, South Carolina | 7 | $ 980,000 | $ 140,000 | $ 64,000 |
| Richland, South Carolina | 6 | $ 1,110,000 | $ 185,000 | $ 129,000 |
| Charleston, South Carolina | 5 | $ 907,000 | $ 181,400 | $ 226,000 |
| Horry, South Carolina | 5 | $ 495,000 | $ 99,000 | $ 79,000 |
| Spartanburg, South Carolina | 5 | $ 730,000 | $ 146,000 | $ 108,000 |
| Gaston, North Carolina | 3 | $ 254,000 | $ 84,666 | $ 52,000 |
| Colleton, South Carolina | 3 | $ 533,000 | $ 177,666 | $ 287,000 |
| Fairfield, South Carolina | 3 | $ 519,000 | $ 173,000 | $ 62,000 |
| Greenville, South Carolina | 3 | $ 467,000 | $ 155,666 | $ 78,000 |
| Oconee, South Carolina | 3 | $ 339,000 | $ 113,000 | $ 197,000 |
| Haywood, North Carolina | 2 | $ 437,000 | $ 218,500 | $ 121,000 |
| Union, North Carolina | 2 | $ 384,000 | $ 192,000 | $ 73,000 |
| Watauga, North Carolina | 2 | $ 505,000 | $ 252,500 | $ 86,000 |
| Beaufort, South Carolina | 2 | $ 354,000 | $ 177,000 | $ 103,000 |
| Georgetown, South Carolina | 2 | $ 938,000 | $ 469,000 | $ 280,000 |
| Monmouth, New Jersey | 1 | $ 234,000 | $ 234,000 | $ 127,000 |
| Ashe, North Carolina | 1 | $ 110,000 | $ 110,000 | $ 94,000 |
| Buncombe, North Carolina | 1 | $ 82,000 | $ 82,000 | $ 96,000 |
| Hyde, North Carolina | 1 | $ 323,000 | $ 323,000 | $ 136,000 |
| Montgomery, North Carolina | 1 | $ 318,000 | $ 318,000 | $ 106,000 |
| New Hanover, North Carolina | 1 | $ 176,000 | $ 176,000 | $ 63,000 |
| Wilkes, North Carolina | 1 | $ 244,000 | $ 244,000 | $ 66,000 |
| Abbeville, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 116,000 |
| Anderson, South Carolina | 1 | $ 94,000 | $ 94,000 | $ 42,000 |
| Greenwood, South Carolina | 1 | $ 323,000 | $ 323,000 | $ 125,000 |
| Pickens, South Carolina | 1 | $ 76,000 | $ 76,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Sc B&T of the Piedmont NA in 2003
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 (home purchase or home improvement, one-to-four family) | 564 | $90,603,000 | $195,000 | $615,000 | $114,666 | $640,000 |
| Home Purchase (one-to-four family) | 155 | $27,700,000 | $221,000 | $1,000,000 | $112,000 | $624,000 |
| Home Improvement (one-to-four family) | 9 | $2,178,000 | $242,000 | $553,000 | $191,000 | $2,348,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 4 | $791,000 | $197,000 | $249,000 | $0 | $0 |
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 | 689 | $113,099,000 | $201,333 | $1,000,000 | $110,333 | $2,348,000 |
| Information not provided by applicant in mail or telephone application | 21 | $4,444,000 | $316,000 | $681,000 | $196,500 | $434,000 |
| Black | 8 | $881,000 | $97,500 | $158,000 | $41,000 | $103,000 |
| Asian or Pacific Islander | 5 | $795,000 | $165,000 | $200,000 | $77,500 | $132,000 |
| Not applicable | 5 | $843,000 | $168,000 | $249,000 | $30,000 | $83,000 |
| Other | 2 | $1,023,000 | $511,500 | $700,000 | $352,000 | $499,000 |
| Hispanic | 2 | $187,000 | $93,000 | $117,000 | $67,000 | $78,000 |
| American Indian or Alaskan Native | 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) | 722 | $119,992,000 | $206,000 | $1,000,000 | $120,333 | $2,348,000 |
| VA-guaranteed (Veterans Administration) | 6 | $777,000 | $129,000 | $157,000 | $27,000 | $123,000 |
| FHA-insured (Federal Housing Administration) | 4 | $503,000 | $121,500 | $143,000 | $12,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 722 | $120,017,000 | $205,333 | $1,000,000 | $119,333 | $2,348,000 |
| Application Denied By Financial Institution | 4 | $499,000 | $124,000 | $266,000 | $37,000 | $69,000 |
| Application Withdrawn By Applicant | 3 | $301,000 | $100,000 | $122,000 | $87,000 | $137,000 |
| Application Approved But Not Accepted | 3 | $455,000 | $157,500 | $182,000 | $63,000 | $78,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 2 | $268,000 | $134,000 | $266,000 | $51,000 | $69,000 |
| Debt-To-Income Ratio | 2 | $231,000 | $115,000 | $117,000 | $23,000 | $30,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sc B&T of the Piedmont NA's 2003 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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