Carolina Bank & Trust Co. Mortgage Lending & HMDA Data, 2009
In 2009, Carolina Bank & Trust Co. of Darlington, SC reported 212 mortgage applications totaling $31.4 million, down 4% from 2008. The average application was for $147,882, and applicants reported an average income of $100,367. 78% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Florence, SC (119), Myrtle Beach-North Myrtle Beach-Conway, SC (14) and Columbia, SC (5) (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 | 212 |
| Total Mortgage Loan Application Amount | $31,351,000 |
| Average Mortgage Loan Application Amount | $147,882 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $100,367 |
| Highest Applicant Income | $1,365,000 |
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records Carolina Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Darlington, South Carolina | 70 | $ 7,181,000 | $ 102,585 | $ 68,000 |
| Florence, South Carolina | 49 | $ 8,179,000 | $ 166,918 | $ 106,000 |
| Chesterfield, South Carolina | 23 | $ 1,865,000 | $ 81,086 | $ 47,000 |
| Marlboro, South Carolina | 18 | $ 897,000 | $ 49,833 | $ 47,000 |
| Horry, South Carolina | 14 | $ 3,443,000 | $ 245,928 | $ 203,000 |
| Brunswick, North Carolina | 5 | $ 1,204,000 | $ 240,800 | $ 169,000 |
| Marion, South Carolina | 5 | $ 236,000 | $ 47,200 | $ 29,000 |
| Georgetown, South Carolina | 4 | $ 2,213,000 | $ 553,250 | $ 556,000 |
| Aiken, South Carolina | 2 | $ 809,000 | $ 404,500 | $ 94,000 |
| Beaufort, South Carolina | 2 | $ 1,665,000 | $ 832,500 | $ 240,000 |
| Charleston, South Carolina | 2 | $ 270,000 | $ 135,000 | $ 235,000 |
| Lee, South Carolina | 2 | $ 266,000 | $ 133,000 | $ 80,000 |
| Richland, South Carolina | 2 | $ 746,000 | $ 373,000 | $ 118,000 |
| Routt, Colorado | 1 | $ 350,000 | $ 350,000 | $ 381,000 |
| Lake, Florida | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Kings, New York | 1 | $ 7,000 | $ 7,000 | $ 30,000 |
| Suffolk, New York | 1 | $ 470,000 | $ 470,000 | $ 200,000 |
| Bamberg, South Carolina | 1 | $ 67,000 | $ 67,000 | $ 129,000 |
| Clarendon, South Carolina | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Dillon, South Carolina | 1 | $ 129,000 | $ 129,000 | $ 62,000 |
| Fairfield, South Carolina | 1 | $ 335,000 | $ 335,000 | $ 215,000 |
| Greenville, South Carolina | 1 | $ 90,000 | $ 90,000 | $ 312,000 |
| Kershaw, South Carolina | 1 | $ 284,000 | $ 284,000 | $ 99,000 |
| Lexington, South Carolina | 1 | $ 166,000 | $ 166,000 | $ 90,000 |
| Orangeburg, South Carolina | 1 | $ 150,000 | $ 150,000 | $ 44,000 |
| Spartanburg, South Carolina | 1 | $ 112,000 | $ 112,000 | $ 57,000 |
| Williamsburg, South Carolina | 1 | $ 37,000 | $ 37,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Carolina Bank & Trust Co. in 2009
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 | 122 | $21,246,000 | $174,000 | $1,250,000 | $115,000 | $1,194,000 |
| Home Purchase | 74 | $9,725,000 | $131,000 | $470,000 | $88,000 | $1,365,000 |
| Home Improvement | 16 | $380,000 | $23,000 | $70,000 | $46,000 | $115,000 |
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 | 182 | $27,613,000 | $151,000 | $894,000 | $107,000 | $1,365,000 |
| Black or African American | 17 | $2,333,000 | $137,000 | $1,250,000 | $74,000 | $350,000 |
| Not applicable | 6 | $512,000 | $85,000 | $212,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 4 | $322,000 | $80,000 | $100,000 | $40,000 | $80,000 |
| Hispanic | 1 | $338,000 | $338,000 | $338,000 | $156,000 | $156,000 |
| American Indian or Alaskan Native | 1 | $70,000 | $70,000 | $70,000 | $57,000 | $57,000 |
| Asian | 1 | $163,000 | $163,000 | $163,000 | $135,000 | $135,000 |
| 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) | 202 | $30,453,000 | $150,000 | $1,250,000 | $103,000 | $1,365,000 |
| VA-guaranteed (Veterans Administration) | 7 | $606,000 | $86,000 | $111,000 | $43,000 | $72,000 |
| FHA-insured (Federal Housing Administration) | 3 | $292,000 | $97,000 | $142,000 | $47,000 | $68,000 |
| 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 | 165 | $24,011,000 | $145,000 | $1,250,000 | $97,000 | $1,194,000 |
| Application Denied By Financial Institution | 27 | $4,487,000 | $166,000 | $811,000 | $146,000 | $1,365,000 |
| Application Withdrawn By Applicant | 19 | $2,813,000 | $148,000 | $417,000 | $68,000 | $157,000 |
| Application Approved But Not Accepted | 1 | $40,000 | $40,000 | $40,000 | $30,000 | $30,000 |
| 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 | 8 | $732,000 | $91,000 | $160,000 | $50,000 | $100,000 |
| Other | 5 | $1,070,000 | $214,000 | $811,000 | $144,000 | $520,000 |
| Unverifiable Information | 4 | $520,000 | $130,000 | $300,000 | $164,000 | $520,000 |
| Collateral | 4 | $1,162,000 | $290,000 | $390,000 | $423,000 | $1,365,000 |
| Debt-To-Income Ratio | 3 | $199,000 | $66,000 | $129,000 | $29,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $73,000 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Carolina Bank & Trust Co.'s 2009 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About