Carolina Bank & Trust Co. Mortgage Lending & HMDA Data, 2019
In 2019, Carolina Bank & Trust Co. of Darlington, SC reported 105 mortgage applications totaling $23.8 million, up 7% from 2018. The average application was for $226,714, and applicants reported an average income of $148,580. 70% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Florence, SC (76), Myrtle Beach-Conway-North Myrtle Beach, SC-NC (6) and Greenville-Anderson-Mauldin, SC (4) (applications in parentheses).
| Mortgage Company & Address | Carolina Bank & Trust Co. Po Box 1028 Darlington, SC 29540 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 105 |
| Total Mortgage Loan Application Amount | $23,805,000 |
| Average Mortgage Loan Application Amount | $226,714 |
| Highest Mortgage Loan Application Amount | $1,805,000 |
| Average Applicant Income | $148,580 |
| Highest Applicant Income | $1,750,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Carolina Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Florence, South Carolina | 58 | $ 11,810,000 | $ 203,620 | $ 138,000 |
| Darlington, South Carolina | 18 | $ 1,870,000 | $ 103,888 | $ 69,000 |
| Horry, South Carolina | 6 | $ 950,000 | $ 158,333 | $ 108,000 |
| Chesterfield, South Carolina | 4 | $ 270,000 | $ 67,500 | $ 84,000 |
| Charleston, South Carolina | 3 | $ 2,535,000 | $ 845,000 | $ 319,000 |
| Marlboro, South Carolina | 3 | $ 235,000 | $ 78,333 | $ 54,000 |
| Pickens, South Carolina | 3 | $ 935,000 | $ 311,666 | $ 187,000 |
| Georgetown, South Carolina | 2 | $ 2,130,000 | $ 1,065,000 | $ 1,750,000 |
| Routt, Colorado | 1 | $ 455,000 | $ 455,000 | $ 722,000 |
| Claiborne, Louisiana | 1 | $ 455,000 | $ 455,000 | $ 360,000 |
| Suffolk, New York | 1 | $ 495,000 | $ 495,000 | $ 400,000 |
| Union, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 52,000 |
| Clarendon, South Carolina | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Greenville, South Carolina | 1 | $ 695,000 | $ 695,000 | $ 107,000 |
| Lexington, South Carolina | 1 | $ 525,000 | $ 525,000 | $ 250,000 |
| Marion, South Carolina | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Carolina Bank & Trust Co. in 2019
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 | 70 | $14,320,000 | $204,000 | $1,195,000 | $137,000 | $722,000 |
| Refinancing | 30 | $7,170,000 | $239,000 | $695,000 | $131,000 | $498,000 |
| Home Improvement | 4 | $2,280,000 | $570,000 | $1,805,000 | $512,000 | $1,750,000 |
| Other Purpose | 1 | $35,000 | $35,000 | $35,000 | $33,000 | $33,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 76 | $17,350,000 | $228,000 | $1,805,000 | $162,000 | $1,750,000 |
| Not applicable | 20 | $5,640,000 | $282,000 | $1,195,000 | $0 | $0 |
| Black or African American | 8 | $720,000 | $90,000 | $195,000 | $50,000 | $118,000 |
| Hispanic | 1 | $95,000 | $95,000 | $95,000 | $200,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 99 | $22,935,000 | $231,000 | $1,805,000 | $157,000 | $1,750,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $405,000 | $135,000 | $195,000 | $55,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 2 | $370,000 | $185,000 | $195,000 | $48,000 | $62,000 |
| FHA-insured (Federal Housing Administration) | 1 | $95,000 | $95,000 | $95,000 | $200,000 | $200,000 |
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 | 73 | $18,975,000 | $259,000 | $1,805,000 | $190,000 | $1,750,000 |
| Application Denied By Financial Institution | 18 | $2,080,000 | $115,000 | $305,000 | $47,000 | $94,000 |
| Application Withdrawn By Applicant | 13 | $2,545,000 | $195,000 | $495,000 | $116,000 | $400,000 |
| File Closed For Incompleteness | 1 | $205,000 | $205,000 | $205,000 | $498,000 | $498,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 105 | $23,805,000 | $226,000 | $1,805,000 | $152,000 | $1,750,000 |
| 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Carolina Bank & Trust Co.'s 2019 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 Carolina Bank & 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 South Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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