Sc B&T of the Piedmont NA Mortgage Lending & HMDA Data, 2005
In 2005, Sc B&T of the Piedmont NA of Columbia, SC reported 474 mortgage applications totaling $92.1 million, down 3% from 2004. The average application was for $194,221, and applicants reported an average income of $178,327. 98% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Charlotte-Gastonia-Concord, NC-SC (15), Charleston-North Charleston, SC (10) and Myrtle Beach-Conway-North Myrtle Beach, SC (9) (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 | 474 |
| Total Mortgage Loan Application Amount | $92,061,000 |
| Average Mortgage Loan Application Amount | $194,221 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $178,327 |
| Highest Applicant Income | $3,810,000 |
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records Sc B&T of the Piedmont NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 400 | $ 73,127,000 | $ 182,817 | $ 109,000 |
| Mecklenburg, North Carolina | 10 | $ 1,415,000 | $ 141,500 | $ 100,000 |
| Charleston, South Carolina | 10 | $ 6,351,000 | $ 635,100 | $ 245,000 |
| Horry, South Carolina | 9 | $ 1,923,000 | $ 213,666 | $ 115,000 |
| Lancaster, South Carolina | 9 | $ 1,145,000 | $ 127,222 | $ 1,005,000 |
| Chester, South Carolina | 5 | $ 632,000 | $ 126,400 | $ 100,000 |
| Greenville, South Carolina | 5 | $ 693,000 | $ 138,600 | $ 53,000 |
| Union, North Carolina | 3 | $ 740,000 | $ 246,666 | $ 64,000 |
| Carteret, North Carolina | 2 | $ 504,000 | $ 252,000 | $ 163,000 |
| Gaston, North Carolina | 2 | $ 517,000 | $ 258,500 | $ 192,000 |
| Beaufort, South Carolina | 2 | $ 591,000 | $ 295,500 | $ 173,000 |
| Georgetown, South Carolina | 2 | $ 368,000 | $ 184,000 | $ 175,000 |
| Spartanburg, South Carolina | 2 | $ 928,000 | $ 464,000 | $ 214,000 |
| Brunswick, North Carolina | 1 | $ 600,000 | $ 600,000 | $ 143,000 |
| Chatham, North Carolina | 1 | $ 347,000 | $ 347,000 | $ 110,000 |
| Madison, North Carolina | 1 | $ 360,000 | $ 360,000 | $ 235,000 |
| Rutherford, North Carolina | 1 | $ 180,000 | $ 180,000 | $ 108,000 |
| Anderson, South Carolina | 1 | $ 128,000 | $ 128,000 | $ 30,000 |
| Colleton, South Carolina | 1 | $ 391,000 | $ 391,000 | $ 316,000 |
| Fairfield, South Carolina | 1 | $ 247,000 | $ 247,000 | $ 212,000 |
| Kershaw, South Carolina | 1 | $ 216,000 | $ 216,000 | $ 137,000 |
| Lexington, South Carolina | 1 | $ 208,000 | $ 208,000 | $ 238,000 |
| Richland, South Carolina | 1 | $ 190,000 | $ 190,000 | $ 83,000 |
| Union, South Carolina | 1 | $ 30,000 | $ 30,000 | $ 51,000 |
| Greene, Tennessee | 1 | $ 180,000 | $ 180,000 | $ 261,000 |
| Carroll, Virginia | 1 | $ 50,000 | $ 50,000 | $ 266,000 |
Mortgage Loan Application Detail Totals for Sc B&T of the Piedmont NA in 2005
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 | 221 | $43,955,000 | $200,000 | $683,000 | $117,500 | $707,000 |
| Home Purchase | 217 | $38,889,000 | $158,750 | $1,200,000 | $228,750 | $3,810,000 |
| Home Improvement | 36 | $9,217,000 | $238,500 | $580,000 | $119,500 | $938,000 |
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 | 432 | $84,198,000 | $164,500 | $1,200,000 | $204,000 | $1,124,000 |
| Not Provided | 13 | $2,814,000 | $216,000 | $492,000 | $82,000 | $348,000 |
| Black or African American | 12 | $1,435,000 | $124,000 | $355,000 | $67,000 | $250,000 |
| Hispanic | 6 | $947,000 | $157,000 | $263,000 | $116,000 | $151,000 |
| Not applicable | 5 | $1,318,000 | $263,000 | $956,000 | $1,097,000 | $3,810,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $483,000 | $161,000 | $234,000 | $85,000 | $105,000 |
| Asian | 3 | $866,000 | $282,000 | $384,000 | $154,500 | $326,000 |
| 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) | 468 | $91,125,000 | $162,250 | $1,200,000 | $214,750 | $3,810,000 |
| VA-guaranteed (Veterans Administration) | 5 | $832,000 | $154,000 | $253,000 | $44,500 | $97,000 |
| FHA-insured (Federal Housing Administration) | 1 | $104,000 | $104,000 | $104,000 | $49,000 | $49,000 |
| 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 | 465 | $89,734,000 | $160,750 | $1,200,000 | $216,000 | $3,810,000 |
| Application Denied By Financial Institution | 4 | $811,000 | $202,000 | $470,000 | $47,000 | $72,000 |
| Application Withdrawn By Applicant | 3 | $1,133,000 | $377,000 | $550,000 | $158,000 | $309,000 |
| Application Approved But Not Accepted | 2 | $383,000 | $191,000 | $226,000 | $75,000 | $113,000 |
| 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 | 2 | $221,000 | $110,000 | $180,000 | $54,000 | $72,000 |
| Debt-To-Income Ratio | 2 | $590,000 | $295,000 | $470,000 | $40,000 | $44,000 |
| 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 2005 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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