Carolina Bank & Trust Co. Mortgage Lending & HMDA Data, 2015
In 2015, Carolina Bank & Trust Co. of Darlington, SC reported 141 mortgage applications totaling $22.2 million, up 14% from 2014. The average application was for $157,758, and applicants reported an average income of $105,042. 85% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Florence, SC (94), Myrtle Beach-Conway-North Myrtle Beach, SC-NC (11) and Columbia, SC (6) (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 | 141 |
| Total Mortgage Loan Application Amount | $22,244,000 |
| Average Mortgage Loan Application Amount | $157,758 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $105,042 |
| Highest Applicant Income | $2,049,000 |
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records Carolina Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Carolina Bank & Trust Co. in 2015
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 | 74 | $14,393,000 | $194,000 | $1,000,000 | $129,000 | $2,049,000 |
| Home Improvement | 35 | $1,096,000 | $31,000 | $600,000 | $59,000 | $252,000 |
| Refinancing | 32 | $6,755,000 | $211,000 | $709,000 | $100,000 | $385,000 |
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 | 108 | $18,069,000 | $167,000 | $1,000,000 | $126,000 | $2,049,000 |
| Not applicable | 15 | $3,284,000 | $218,000 | $709,000 | $0 | $0 |
| Black or African American | 15 | $204,000 | $13,000 | $65,000 | $73,000 | $385,000 |
| American Indian or Alaskan Native | 1 | $2,000 | $2,000 | $2,000 | $48,000 | $48,000 |
| Asian | 1 | $425,000 | $425,000 | $425,000 | $26,000 | $26,000 |
| Not Provided | 1 | $260,000 | $260,000 | $260,000 | $0 | $0 |
| Hispanic | 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) | 138 | $21,878,000 | $158,000 | $1,000,000 | $106,000 | $2,049,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $236,000 | $118,000 | $124,000 | $50,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 1 | $130,000 | $130,000 | $130,000 | $35,000 | $35,000 |
| FHA-insured (Federal Housing Administration) | 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 | 120 | $18,674,000 | $155,000 | $1,000,000 | $108,000 | $2,049,000 |
| Application Denied By Financial Institution | 11 | $1,872,000 | $170,000 | $425,000 | $111,000 | $385,000 |
| Application Withdrawn By Applicant | 7 | $1,142,000 | $163,000 | $299,000 | $44,000 | $95,000 |
| File Closed For Incompleteness | 3 | $556,000 | $185,000 | $260,000 | $99,000 | $250,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 Carolina Bank & Trust Co.'s 2015 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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