Lender Register

Lenders › First Ciitizens Bank and Trust › South Carolina

First Ciitizens Bank and Trust in South Carolina

HMDA record for properties in South Carolina, calendar year 2024. National record · South Carolina overview

LEI L9VVX1KT5TFTKS0MLF66
Reporting agency Consumer Financial Protection Bureau
State South Carolina

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

First Ciitizens Bank and Trust's 2024 HMDA record for South Carolina covers 5,736 applications, 3,727 of them originated, worth $1.0bn.

Its denial rate in the state was 25.2%, close to the South Carolina rate of 25.2% across all lenders and compared with the lender's national rate of 23.5%.

The median rate spread on its South Carolina originations was -1.6 percentage points (state median 0.3).

Applications in the state were about level with 2023.

5,736applications in SC, 202425.0% of the lender's total
3,727loans originated$1.0bn
25.2%denial rateSC all lenders 25.2%
-1.6 ppmedian rate spreadSC 0.3 pp

Compared with the state and the lender's national record

MeasureIn South CarolinaSouth Carolina, all lendersFirst Ciitizens Bank and Trust, all statesUnited States
Denial rate25.2%25.2%23.5%24.3%
Median rate spread, pp-1.60.3-1.60.3
Originations with spread of 1.5 pp or more1.1%15.5%0.7%15.6%
Average originated loan$272k$296k$394k$329k
Home purchase share27.0%62.8%29.7%57.0%
FHA-insured share2.1%16.5%2.2%13.4%
VA-guaranteed share0.3%12.9%0.4%7.9%

Trend by year

ApplicationsOriginations

03,6017,2022022: 7,202 Applications2023: 5,567 Applications2024: 5,736 Applications2022: 4,919 Originations2023: 3,601 Originations2024: 3,727 Originations202220232024
First Ciitizens Bank and Trust in South Carolina: applications and originations, 2022–2024

This lender in stateSouth Carolina, all lenders

0%13.4%26.9%2022: 21.5% This lender in state2023: 25.7% This lender in state2024: 25.2% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in South Carolina

By purpose

Home purchase 27% (1,008)Home improvement 31% (1,147)Refinancing 19% (694)Cash-out refinancing 2% (56)Other purpose 22% (822)

By type

Conventional 97% (3,624)FHA 2% (77)VA 0% (13)USDA 0% (13)

Denial reasons as coded

Debt-to-income ratio49.7%
Credit history29.6%
Collateral10%
Other7.4%
Unverifiable information2.2%
Insufficient cash (downpayment, closing costs)0.9%
Employment history0.1%
Credit application incomplete0.1%
Mortgage insurance denied0%

Share of 1,306 denials in South Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in South Carolina

CountyApplicationsOriginationsAmountDenial rate
Charleston County816572$267m20.7%
Richland County588368$83m25.6%
Lexington County474324$76m20.2%
Greenville County499312$88m28.7%
Spartanburg County354237$45m24.7%
Horry County324187$44m31.9%
Berkeley County271174$49m26.4%
York County259168$36m25.1%
Beaufort County236156$59m28.4%
Anderson County184133$26m22.1%
Dorchester County170114$21m25.2%
Lancaster County12587$14m21.7%
Aiken County13180$18m27.0%
Florence County11477$15m18.0%
Pickens County10070$21m21.9%
Darlington County9665$8.9m26.1%
Georgetown County10059$25m24.1%
Oconee County8055$22m19.7%
Kershaw County6842$6.1m24.1%
Greenwood County6242$12m25.0%
Sumter County7441$5.9m34.8%
Orangeburg County6637$7.0m28.3%
Chester County4330$5.1m25.0%
Newberry County5028$11m27.9%
Dillon County3328$3.5m9.4%
Chesterfield County4726$3.5m38.1%
McCormick County3024$3.5m17.2%
Clarendon County3119$4.3m29.6%
Laurens County2819$3.7m—
Fairfield County3117$3.5m34.6%
Edgefield County3416$2.7m39.3%
Colleton County2715$8.4m38.5%
Marlboro County2914$1.2m—
Saluda County2813$1.6m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did First Ciitizens Bank and Trust originate in South Carolina in 2024?

3,727 loans totalling $1.0bn, from 5,736 applications reported for properties in South Carolina.

What is First Ciitizens Bank and Trust's denial rate in South Carolina?

25.2% of decided applications in South Carolina were denied, against 25.2% for all lenders in the state and 23.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which South Carolina counties does First Ciitizens Bank and Trust lend in most?

By originations: Charleston County (572), Richland County (368), Lexington County (324), Greenville County (312), Spartanburg County (237).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in South Carolina. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.