Branch Banking and Trust Co Mortgage Lending & HMDA Data, 2003
In 2003, Branch Banking and Trust Co of Wilson, NC reported 169,469 mortgage applications totaling $24.0 billion. The average application was for $141,886, and applicants reported an average income of $58,073. 51% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Greensboro--Winston-Salem--High Point, NC (9,864), Raleigh-Durham-Chapel Hill, NC (9,539) and Baltimore, MD (8,607) (applications in parentheses).
| Mortgage Company & Address | Branch Banking and Trust Co 223 W Nash Street Wilson, NC 27893 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 169,469 |
| Total Mortgage Loan Application Amount | $24,045,392,000 |
| Average Mortgage Loan Application Amount | $141,886 |
| Highest Mortgage Loan Application Amount | $14,300,000 |
| Average Applicant Income | $58,073 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Branch Banking and Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Greensboro--Winston-Salem--High Point, NC | 9,864 | $ 1,194,740,000 | $ 121,121 | $ 50,000 |
| Raleigh-Durham-Chapel Hill, NC | 9,539 | $ 1,503,201,000 | $ 157,584 | $ 62,000 |
| Baltimore, MD | 8,607 | $ 1,481,052,000 | $ 172,075 | $ 80,000 |
| Atlanta, GA | 8,038 | $ 1,321,617,000 | $ 164,421 | $ 62,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 6,175 | $ 811,485,000 | $ 131,414 | $ 56,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 3,469 | $ 525,937,000 | $ 151,610 | $ 33,000 |
| Hickory-Morganton-Lenoir, NC | 3,275 | $ 330,695,000 | $ 100,975 | $ 47,000 |
| Wilmington, NC | 3,164 | $ 516,057,000 | $ 163,102 | $ 73,000 |
| Richmond-Petersburg, VA | 2,845 | $ 469,936,000 | $ 165,179 | $ 23,000 |
| Greenville-Spartanburg-Anderson, SC | 2,680 | $ 360,704,000 | $ 134,591 | $ 32,000 |
| Knoxville, TN | 2,659 | $ 294,541,000 | $ 110,771 | $ 44,000 |
| Louisville, KY-IN | 2,459 | $ 229,245,000 | $ 93,226 | $ 73,000 |
| Jacksonville, FL | 2,302 | $ 377,930,000 | $ 164,174 | $ 69,000 |
| Tallahassee, FL | 2,097 | $ 317,173,000 | $ 151,250 | $ 73,000 |
| Charleston, WV | 1,933 | $ 163,028,000 | $ 84,339 | $ 64,000 |
| Fayetteville, NC | 1,731 | $ 179,237,000 | $ 103,545 | $ 54,000 |
| Columbia, SC | 1,634 | $ 268,603,000 | $ 164,383 | $ 57,000 |
| Lynchburg, VA | 1,469 | $ 179,168,000 | $ 121,965 | $ 41,000 |
| Myrtle Beach, SC | 1,403 | $ 203,993,000 | $ 145,397 | $ 106,000 |
| Charleston-North Charleston, SC | 1,340 | $ 260,742,000 | $ 194,583 | $ 48,000 |
| Savannah, GA | 1,206 | $ 172,093,000 | $ 142,697 | $ 50,000 |
| Goldsboro, NC | 1,204 | $ 111,428,000 | $ 92,548 | $ 51,000 |
| Greenville, NC | 1,094 | $ 118,752,000 | $ 108,548 | $ 51,000 |
| Washington, DC-MD-VA-WV | 982 | $ 231,346,000 | $ 235,586 | $ 106,000 |
| Pensacola, FL | 949 | $ 116,751,000 | $ 123,025 | $ 48,000 |
| Macon, GA | 925 | $ 103,766,000 | $ 112,179 | $ 61,000 |
| Sarasota-Bradenton, FL | 907 | $ 186,208,000 | $ 205,300 | $ 67,000 |
| Tampa-St. Petersburg-Clearwater, FL | 784 | $ 108,318,000 | $ 138,160 | $ 53,000 |
| Pittsburgh, PA | 719 | $ 88,924,000 | $ 123,677 | $ 34,000 |
| Rocky Mount, NC | 704 | $ 70,483,000 | $ 100,117 | $ 60,000 |
| Wheeling, WV-OH | 699 | $ 48,090,000 | $ 68,798 | $ 53,000 |
| Asheville, NC | 681 | $ 101,665,000 | $ 149,287 | $ 66,000 |
| Lexington, KY | 673 | $ 109,846,000 | $ 163,218 | $ 100,000 |
| West Palm Beach-Boca Raton, FL | 616 | $ 110,799,000 | $ 179,868 | $ 93,000 |
| Columbus, OH | 615 | $ 99,493,000 | $ 161,777 | $ 26,000 |
| Fort Lauderdale, FL | 602 | $ 102,343,000 | $ 170,004 | $ 61,000 |
| Parkersburg-Marietta, WV-OH | 586 | $ 53,110,000 | $ 90,631 | $ 50,000 |
| Huntington-Ashland, WV-KY-OH | 525 | $ 41,499,000 | $ 79,045 | $ 61,000 |
| Florence, SC | 472 | $ 67,989,000 | $ 144,044 | $ 11,000 |
| Owensboro, KY | 459 | $ 40,238,000 | $ 87,664 | $ 51,000 |
| Fort Wayne, IN | 455 | $ 56,193,000 | $ 123,501 | $ 11,000 |
| Charlottesville, VA | 452 | $ 76,707,000 | $ 169,705 | $ 28,000 |
| Jacksonville, NC | 427 | $ 39,257,000 | $ 91,936 | $ 62,000 |
| Orlando, FL | 427 | $ 67,874,000 | $ 158,955 | $ 73,000 |
| Fort Walton Beach, FL | 417 | $ 52,746,000 | $ 126,489 | $ 63,000 |
| Denver, CO | 388 | $ 72,762,000 | $ 187,530 | $ 6,000 |
| Roanoke, VA | 359 | $ 48,290,000 | $ 134,512 | $ 35,000 |
| Ocala, FL | 337 | $ 40,633,000 | $ 120,572 | $ 46,000 |
| Philadelphia, PA-NJ | 309 | $ 50,819,000 | $ 164,462 | $ 28,000 |
| Daytona Beach, FL | 306 | $ 47,175,000 | $ 154,166 | $ 58,000 |
| Panama City, FL | 299 | $ 45,859,000 | $ 153,374 | $ 96,000 |
| Phoenix-Mesa, AZ | 294 | $ 47,464,000 | $ 161,442 | $ 90,000 |
| Sumter, SC | 251 | $ 29,646,000 | $ 118,111 | $ 2,000 |
| Fort Myers-Cape Coral, FL | 246 | $ 42,189,000 | $ 171,500 | $ 75,000 |
| Hagerstown, MD | 222 | $ 28,411,000 | $ 127,977 | $ 56,000 |
| Naples, FL | 214 | $ 58,855,000 | $ 275,023 | $ 123,000 |
| Fort Pierce-Port St. Lucie, FL | 210 | $ 30,616,000 | $ 145,790 | $ 67,000 |
| Danville, VA | 185 | $ 23,257,000 | $ 125,713 | $ 38,000 |
| Gainesville, FL | 182 | $ 25,901,000 | $ 142,313 | $ 71,000 |
| York, PA | 178 | $ 24,129,000 | $ 135,556 | $ 54,000 |
| Lakeland-Winter Haven, FL | 167 | $ 20,858,000 | $ 124,898 | $ 50,000 |
| Athens, GA | 155 | $ 15,723,000 | $ 101,438 | $ 62,000 |
| Melbourne-Titusville-Palm Bay, FL | 145 | $ 20,321,000 | $ 140,144 | $ 70,000 |
| Miami, FL | 145 | $ 23,323,000 | $ 160,848 | $ 72,000 |
| Akron, OH | 139 | $ 18,759,000 | $ 134,956 | $ 5,000 |
| Birmingham, AL | 129 | $ 19,626,000 | $ 152,139 | $ 27,000 |
| Indianapolis, IN | 124 | $ 24,076,000 | $ 194,161 | $ 0 |
| Anniston, AL | 116 | $ 10,741,000 | $ 92,594 | $ 56,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 115 | $ 8,956,000 | $ 77,878 | $ 63,000 |
| Cleveland-Lorain-Elyria, OH | 114 | $ 17,508,000 | $ 153,578 | $ 5,000 |
| Harrisburg-Lebanon-Carlisle, PA | 94 | $ 12,051,000 | $ 128,202 | $ 7,000 |
| Punta Gorda, FL | 92 | $ 13,726,000 | $ 149,195 | $ 71,000 |
| Mobile, AL | 91 | $ 14,366,000 | $ 157,868 | $ 51,000 |
| Columbus, GA-AL | 83 | $ 10,449,000 | $ 125,891 | $ 55,000 |
| Cumberland, MD-WV | 77 | $ 6,216,000 | $ 80,727 | $ 52,000 |
| Lancaster, PA | 66 | $ 8,501,000 | $ 128,803 | $ 13,000 |
| Jackson, MS | 64 | $ 13,468,000 | $ 210,437 | $ 0 |
| Canton-Massillon, OH | 56 | $ 6,509,000 | $ 116,232 | $ 22,000 |
| Youngstown-Warren, OH | 55 | $ 5,609,000 | $ 101,981 | $ 17,000 |
| Huntsville, AL | 53 | $ 7,576,000 | $ 142,943 | $ 5,000 |
| Nashville, TN | 51 | $ 8,232,000 | $ 161,411 | $ 71,000 |
| Allentown-Bethlehem-Easton, PA | 50 | $ 6,603,000 | $ 132,060 | $ 32,000 |
| Montgomery, AL | 46 | $ 7,928,000 | $ 172,347 | $ 14,000 |
| Colorado Springs, CO | 45 | $ 7,882,000 | $ 175,155 | $ 0 |
| Reading, PA | 43 | $ 4,699,000 | $ 109,279 | $ 0 |
| New Orleans, LA | 41 | $ 6,922,000 | $ 168,829 | $ 22,000 |
| Auburn-Opelika, AL | 36 | $ 4,811,000 | $ 133,638 | $ 72,000 |
| St. Louis, MO-IL | 35 | $ 4,803,000 | $ 137,228 | $ 0 |
| Chattanooga, TN-GA | 32 | $ 4,167,000 | $ 130,218 | $ 43,000 |
| Augusta-Aiken, GA-SC | 28 | $ 3,228,000 | $ 115,285 | $ 79,000 |
| Albany, GA | 27 | $ 3,021,000 | $ 111,888 | $ 24,000 |
| Altoona, PA | 25 | $ 2,506,000 | $ 100,240 | $ 0 |
| Johnstown, PA | 24 | $ 2,886,000 | $ 120,250 | $ 18,000 |
| Kansas City, MO-KS | 24 | $ 3,726,000 | $ 155,250 | $ 0 |
| Dayton-Springfield, OH | 21 | $ 4,206,000 | $ 200,285 | $ 54,000 |
| Clarksville-Hopkinsville, TN-KY | 20 | $ 1,905,000 | $ 95,250 | $ 50,000 |
| Sharon, PA | 20 | $ 2,424,000 | $ 121,200 | $ 0 |
| Dallas, TX | 19 | $ 3,025,000 | $ 159,210 | $ 0 |
| Boulder-Longmont, CO | 17 | $ 4,028,000 | $ 236,941 | $ 0 |
| Lafayette, IN | 17 | $ 2,273,000 | $ 133,705 | $ 0 |
| Wilmington-Newark, DE-MD | 17 | $ 2,728,000 | $ 160,470 | $ 0 |
| Erie, PA | 16 | $ 1,516,000 | $ 94,750 | $ 12,000 |
| Gadsden, AL | 16 | $ 2,229,000 | $ 139,312 | $ 38,000 |
| Steubenville-Weirton, OH-WV | 14 | $ 1,100,000 | $ 78,571 | $ 40,000 |
| Decatur, AL | 12 | $ 1,470,000 | $ 122,500 | $ 11,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 12 | $ 1,545,000 | $ 128,750 | $ 0 |
| State College, PA | 12 | $ 1,555,000 | $ 129,583 | $ 0 |
| Tucson, AZ | 11 | $ 1,832,000 | $ 166,545 | $ 0 |
| Cincinnati, OH-KY-IN | 10 | $ 2,315,000 | $ 231,500 | $ 55,000 |
| Greeley, CO | 9 | $ 1,413,000 | $ 157,000 | $ 0 |
| Fort Worth-Arlington, TX | 8 | $ 1,553,000 | $ 194,125 | $ 0 |
| Hamilton-Middletown, OH | 7 | $ 1,231,000 | $ 175,857 | $ 44,000 |
| Fort Collins-Loveland, CO | 6 | $ 1,089,000 | $ 181,500 | $ 12,000 |
| Memphis, TN-AR-MS | 6 | $ 867,000 | $ 144,500 | $ 57,000 |
| Albuquerque, NM | 5 | $ 718,000 | $ 143,600 | $ 0 |
| Dover, DE | 5 | $ 540,000 | $ 108,000 | $ 59,000 |
| South Bend, IN | 5 | $ 661,000 | $ 132,200 | $ 18,000 |
| Tulsa, OK | 5 | $ 1,283,000 | $ 256,600 | $ 0 |
| Evansville-Henderson, IN-KY | 4 | $ 594,000 | $ 148,500 | $ 22,000 |
| Oklahoma City, OK | 4 | $ 646,000 | $ 161,500 | $ 0 |
| Pueblo, CO | 4 | $ 433,000 | $ 108,250 | $ 0 |
| Grand Junction, CO | 3 | $ 567,000 | $ 189,000 | $ 0 |
| Lafayette, LA | 3 | $ 783,000 | $ 261,000 | $ 0 |
| Muncie, IN | 3 | $ 399,000 | $ 133,000 | $ 0 |
| Toledo, OH | 3 | $ 455,000 | $ 151,666 | $ 0 |
| Austin-San Marcos, TX | 2 | $ 378,000 | $ 189,000 | $ 0 |
| Flagstaff, AZ-UT | 2 | $ 324,000 | $ 162,000 | $ 0 |
| New York, NY | 2 | $ 105,000 | $ 52,500 | $ 140,000 |
| Newark, NJ | 2 | $ 1,050,000 | $ 525,000 | $ 0 |
| San Diego, CA | 2 | $ 117,000 | $ 58,500 | $ 137,000 |
| Santa Fe, NM | 2 | $ 335,000 | $ 167,500 | $ 0 |
| Tuscaloosa, AL | 2 | $ 248,000 | $ 124,000 | $ 15,000 |
| Williamsport, PA | 2 | $ 241,000 | $ 120,500 | $ 0 |
| Ann Arbor, MI | 1 | $ 42,000 | $ 42,000 | $ 101,000 |
| Atlantic-Cape May, NJ | 1 | $ 361,000 | $ 361,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Brazoria, TX | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Columbia, MO | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Detroit, MI | 1 | $ 51,000 | $ 51,000 | $ 56,000 |
| El Paso, TX | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Kokomo, IN | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Lima, OH | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Los Angeles-Long Beach, CA | 1 | $ 70,000 | $ 70,000 | $ 80,000 |
| Mansfield, OH | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Monmouth-Ocean, NJ | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Monroe, LA | 1 | $ 216,000 | $ 216,000 | $ 74,000 |
| Nassau-Suffolk, NY | 1 | $ 337,000 | $ 337,000 | $ 228,000 |
| Oakland, CA | 1 | $ 55,000 | $ 55,000 | $ 136,000 |
| Rockford, IL | 1 | $ 50,000 | $ 50,000 | $ 45,000 |
| Springfield, MA | 1 | $ 314,000 | $ 314,000 | $ 0 |
| Trenton, NJ | 1 | $ 125,000 | $ 125,000 | $ 0 |
Mortgage Loan Application Detail Totals for Branch Banking and Trust Co 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) | 120,634 | $17,102,157,000 | $168,034 | $3,600,000 | $65,275 | $6,817,000 |
| Home Purchase (one-to-four family) | 44,749 | $6,661,670,000 | $144,535 | $3,800,000 | $51,892 | $9,999,000 |
| Home Improvement (one-to-four family) | 3,824 | $132,627,000 | $75,625 | $1,000,000 | $69,437 | $1,276,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 262 | $148,938,000 | $702,416 | $14,300,000 | $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 | 94,828 | $12,076,637,000 | $161,040 | $2,968,000 | $161,960 | $9,999,000 |
| Not applicable | 54,333 | $9,229,698,000 | $176,280 | $14,300,000 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 8,176 | $1,369,904,000 | $172,421 | $3,600,000 | $106,947 | $3,045,000 |
| Black | 7,930 | $839,105,000 | $109,687 | $2,400,000 | $61,000 | $6,486,000 |
| Hispanic | 2,009 | $211,667,000 | $115,769 | $1,222,000 | $83,615 | $2,064,000 |
| Asian or Pacific Islander | 1,412 | $216,145,000 | $165,285 | $988,000 | $121,071 | $824,000 |
| American Indian or Alaskan Native | 408 | $44,707,000 | $143,636 | $1,211,000 | $97,636 | $646,000 |
| Other | 373 | $57,529,000 | $149,916 | $900,000 | $159,916 | $2,608,000 |
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) | 160,898 | $23,032,727,000 | $157,322 | $14,300,000 | $57,451 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 5,162 | $601,171,000 | $109,285 | $303,000 | $17,238 | $1,612,000 |
| VA-guaranteed (Veterans Administration) | 3,105 | $385,392,000 | $125,800 | $315,000 | $23,533 | $198,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 304 | $26,102,000 | $99,333 | $237,000 | $30,555 | $78,000 |
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 | 87,047 | $11,304,329,000 | $295,227 | $14,300,000 | $186,863 | $9,999,000 |
| Loan Purchased By The Institution | 53,354 | $8,992,431,000 | $161,750 | $2,800,000 | $0 | $0 |
| Application Denied By Financial Institution | 11,670 | $1,123,511,000 | $101,181 | $2,400,000 | $79,500 | $4,783,000 |
| Application Withdrawn By Applicant | 10,436 | $1,537,772,000 | $137,454 | $3,600,000 | $79,318 | $4,232,000 |
| File Closed For Incompleteness | 5,228 | $865,283,000 | $182,687 | $2,600,000 | $133,312 | $4,000,000 |
| Application Approved But Not Accepted | 1,734 | $222,066,000 | $159,294 | $2,300,000 | $118,235 | $2,608,000 |
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 | 6,601 | $595,751,000 | $96,263 | $2,400,000 | $72,210 | $1,550,000 |
| Debt-To-Income Ratio | 3,119 | $326,946,000 | $109,705 | $2,000,000 | $51,117 | $615,000 |
| Collateral | 776 | $76,748,000 | $103,000 | $998,000 | $58,600 | $708,000 |
| Other | 591 | $67,498,000 | $128,687 | $2,128,000 | $90,437 | $2,097,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 377 | $30,848,000 | $83,000 | $1,000,000 | $72,230 | $372,000 |
| Employment History | 136 | $11,058,000 | $79,727 | $650,000 | $37,818 | $384,000 |
| Unverifiable Information | 44 | $6,563,000 | $158,700 | $900,000 | $23,900 | $103,000 |
| Credit Application Incomplete | 25 | $8,003,000 | $318,300 | $1,000,000 | $124,300 | $4,783,000 |
| Mortgage Insurance Denied | 1 | $96,000 | $96,000 | $96,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Branch Banking and Trust Co'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 Branch Banking and Trust Co'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 North Carolina, download the full spreadsheet
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