Sc B&T of the Piedmont NA Mortgage Lending & HMDA Data, 2006
In 2006, Sc B&T of the Piedmont NA of Columbia, SC reported 501 mortgage applications totaling $82.8 million, up 6% from 2005. The average application was for $165,349, and applicants reported an average income of $90,203. 88% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Charlotte-Gastonia-Concord, NC-SC (451), Columbia, SC (7) and Greenville, SC (3) (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 | 501 |
| Total Mortgage Loan Application Amount | $82,840,000 |
| Average Mortgage Loan Application Amount | $165,349 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $90,203 |
| Highest Applicant Income | $907,000 |
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records Sc B&T of the Piedmont NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 412 | $ 66,703,000 | $ 161,900 | $ 85,000 |
| Mecklenburg, North Carolina | 19 | $ 3,853,000 | $ 202,789 | $ 106,000 |
| Gaston, North Carolina | 11 | $ 1,003,000 | $ 91,181 | $ 128,000 |
| Lancaster, South Carolina | 11 | $ 1,691,000 | $ 153,727 | $ 61,000 |
| Union, North Carolina | 8 | $ 1,266,000 | $ 158,250 | $ 82,000 |
| Chester, South Carolina | 7 | $ 947,000 | $ 135,285 | $ 72,000 |
| Richland, South Carolina | 4 | $ 1,090,000 | $ 272,500 | $ 145,000 |
| Beaufort, South Carolina | 3 | $ 1,044,000 | $ 348,000 | $ 96,000 |
| Horry, South Carolina | 3 | $ 1,029,000 | $ 343,000 | $ 111,000 |
| Catawba, North Carolina | 2 | $ 190,000 | $ 95,000 | $ 53,000 |
| Madison, North Carolina | 2 | $ 86,000 | $ 43,000 | $ 274,000 |
| Watauga, North Carolina | 2 | $ 413,000 | $ 206,500 | $ 379,000 |
| Lexington, South Carolina | 2 | $ 135,000 | $ 67,500 | $ 105,000 |
| Spartanburg, South Carolina | 2 | $ 627,000 | $ 313,500 | $ 120,000 |
| Okaloosa, Florida | 1 | $ 180,000 | $ 180,000 | $ 56,000 |
| Cabarrus, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Carteret, North Carolina | 1 | $ 180,000 | $ 180,000 | $ 175,000 |
| Chatham, North Carolina | 1 | $ 83,000 | $ 83,000 | $ 121,000 |
| Iredell, North Carolina | 1 | $ 297,000 | $ 297,000 | $ 85,000 |
| Macon, North Carolina | 1 | $ 302,000 | $ 302,000 | $ 96,000 |
| Montgomery, North Carolina | 1 | $ 424,000 | $ 424,000 | $ 129,000 |
| Polk, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 113,000 |
| Fairfield, South Carolina | 1 | $ 217,000 | $ 217,000 | $ 191,000 |
| Florence, South Carolina | 1 | $ 138,000 | $ 138,000 | $ 60,000 |
| Greenville, South Carolina | 1 | $ 384,000 | $ 384,000 | $ 273,000 |
| Laurens, South Carolina | 1 | $ 128,000 | $ 128,000 | $ 52,000 |
| Pickens, South Carolina | 1 | $ 150,000 | $ 150,000 | $ 225,000 |
Mortgage Loan Application Detail Totals for Sc B&T of the Piedmont NA in 2006
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 | 308 | $53,713,000 | $174,000 | $800,000 | $93,000 | $711,000 |
| Refinancing | 180 | $28,657,000 | $159,000 | $575,000 | $85,000 | $907,000 |
| Home Improvement | 13 | $470,000 | $36,000 | $145,000 | $96,000 | $279,000 |
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 | 441 | $73,362,000 | $166,000 | $800,000 | $92,000 | $907,000 |
| Not Provided | 35 | $5,657,000 | $161,000 | $434,000 | $91,000 | $254,000 |
| Hispanic | 8 | $1,520,000 | $190,000 | $340,000 | $51,000 | $99,000 |
| Black or African American | 7 | $832,000 | $118,000 | $246,000 | $53,000 | $170,000 |
| Asian | 6 | $1,055,000 | $175,000 | $412,000 | $95,000 | $250,000 |
| Not applicable | 4 | $414,000 | $103,000 | $166,000 | $0 | $0 |
| 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) | 490 | $81,334,000 | $165,000 | $800,000 | $91,000 | $907,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,043,000 | $130,000 | $182,000 | $54,000 | $222,000 |
| VA-guaranteed (Veterans Administration) | 3 | $463,000 | $154,000 | $232,000 | $61,000 | $97,000 |
| 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 | 440 | $73,040,000 | $166,000 | $800,000 | $94,000 | $907,000 |
| Application Withdrawn By Applicant | 51 | $8,686,000 | $170,000 | $535,000 | $66,000 | $332,000 |
| Application Denied By Financial Institution | 10 | $1,114,000 | $111,000 | $558,000 | $44,000 | $169,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 7 | $332,000 | $47,000 | $95,000 | $20,000 | $42,000 |
| Debt-To-Income Ratio | 2 | $224,000 | $112,000 | $145,000 | $67,000 | $91,000 |
| Collateral | 1 | $558,000 | $558,000 | $558,000 | $169,000 | $169,000 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sc B&T of the Piedmont NA's 2006 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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