Carolina Premier Bank Mortgage Lending & HMDA Data, 2011
In 2011, Carolina Premier Bank of Charlotte, NC reported 96 mortgage applications totaling $25.7 million, up 123% from 2010. The average application was for $267,895, and applicants reported an average income of $137,854. 5% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Charlotte-Gastonia-Rock Hill, NC-SC (34), Los Angeles-Long Beach-Glendale, CA (8) and Dallas-Plano-Irving, TX (3) (applications in parentheses).
| Mortgage Company & Address | Carolina Premier Bank 13024 Ballantyne Corporate Place Charlotte, NC 28277 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 96 |
| Total Mortgage Loan Application Amount | $25,718,000 |
| Average Mortgage Loan Application Amount | $267,895 |
| Highest Mortgage Loan Application Amount | $1,365,000 |
| Average Applicant Income | $137,854 |
| Highest Applicant Income | $795,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Carolina Premier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Charlotte-Gastonia-Rock Hill, NC-SC | 34 | $ 10,263,000 | $ 301,852 | $ 151,000 |
| Los Angeles-Long Beach-Glendale, CA | 8 | $ 2,699,000 | $ 337,375 | $ 184,000 |
| Dallas-Plano-Irving, TX | 3 | $ 398,000 | $ 132,666 | $ 71,000 |
| Fort Worth-Arlington, TX | 2 | $ 201,000 | $ 100,500 | $ 114,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 1,430,000 | $ 715,000 | $ 196,000 |
| San Antonio-New Braunfels, TX | 2 | $ 125,000 | $ 62,500 | $ 86,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 256,000 | $ 256,000 | $ 120,000 |
| Bakersfield-Delano, CA | 1 | $ 160,000 | $ 160,000 | $ 58,000 |
| Baton Rouge, LA | 1 | $ 79,000 | $ 79,000 | $ 105,000 |
| Camden, NJ | 1 | $ 225,000 | $ 225,000 | $ 38,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 219,000 | $ 219,000 | $ 85,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 104,000 | $ 104,000 | $ 42,000 |
| Columbia, SC | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Columbus, OH | 1 | $ 88,000 | $ 88,000 | $ 135,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 97,000 | $ 97,000 | $ 59,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 128,000 | $ 128,000 | $ 213,000 |
| Gary, IN | 1 | $ 124,000 | $ 124,000 | $ 216,000 |
| Honolulu, HI | 1 | $ 386,000 | $ 386,000 | $ 0 |
| Jacksonville, NC | 1 | $ 88,000 | $ 88,000 | $ 92,000 |
| Laredo, TX | 1 | $ 106,000 | $ 106,000 | $ 85,000 |
| Lima, OH | 1 | $ 79,000 | $ 79,000 | $ 73,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 72,000 | $ 72,000 | $ 78,000 |
| Memphis, TN-MS-AR | 1 | $ 174,000 | $ 174,000 | $ 175,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 272,000 | $ 272,000 | $ 85,000 |
| Nassau-Suffolk, NY | 1 | $ 500,000 | $ 500,000 | $ 225,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 200,000 | $ 200,000 | $ 91,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 420,000 | $ 420,000 | $ 91,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 170,000 | $ 170,000 | $ 62,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 158,000 | $ 158,000 | $ 156,000 |
| Provo-Orem, UT | 1 | $ 252,000 | $ 252,000 | $ 46,000 |
| Raleigh-Cary, NC | 1 | $ 79,000 | $ 79,000 | $ 27,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 627,000 | $ 627,000 | $ 487,000 |
| Savannah, GA | 1 | $ 140,000 | $ 140,000 | $ 186,000 |
| Utica-Rome, NY | 1 | $ 59,000 | $ 59,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Carolina Premier Bank in 2011
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 | 62 | $17,621,000 | $284,000 | $1,365,000 | $146,000 | $795,000 |
| Home Purchase | 34 | $8,097,000 | $238,000 | $627,000 | $123,000 | $487,000 |
| Home Improvement | 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 | 50 | $12,834,000 | $256,000 | $1,365,000 | $165,000 | $795,000 |
| Hispanic | 16 | $4,095,000 | $255,000 | $1,345,000 | $86,000 | $360,000 |
| Black or African American | 11 | $3,596,000 | $326,000 | $980,000 | $108,000 | $272,000 |
| Not Provided | 11 | $2,844,000 | $258,000 | $500,000 | $162,000 | $764,000 |
| Asian | 6 | $1,505,000 | $250,000 | $430,000 | $91,000 | $198,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $484,000 | $484,000 | $484,000 | $112,000 | $112,000 |
| Not applicable | 1 | $360,000 | $360,000 | $360,000 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 87 | $24,337,000 | $279,000 | $1,365,000 | $147,000 | $795,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,079,000 | $154,000 | $243,000 | $50,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $302,000 | $151,000 | $154,000 | $54,000 | $64,000 |
| VA-guaranteed (Veterans 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 Purchased By The Institution | 53 | $12,295,000 | $231,000 | $1,345,000 | $141,000 | $795,000 |
| Application Denied By Financial Institution | 21 | $4,284,000 | $204,000 | $980,000 | $101,000 | $216,000 |
| Application Withdrawn By Applicant | 13 | $5,143,000 | $395,000 | $1,199,000 | $179,000 | $636,000 |
| Loan Originated | 5 | $1,913,000 | $382,000 | $440,000 | $160,000 | $474,000 |
| File Closed For Incompleteness | 4 | $2,083,000 | $520,000 | $1,365,000 | $138,000 | $415,000 |
| Application Approved But Not Accepted | 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 | 7 | $988,000 | $141,000 | $257,000 | $52,000 | $94,000 |
| Collateral | 5 | $600,000 | $120,000 | $148,000 | $187,000 | $216,000 |
| Debt-To-Income Ratio | 3 | $693,000 | $231,000 | $403,000 | $114,000 | $172,000 |
| Credit Application Incomplete | 2 | $534,000 | $267,000 | $386,000 | $86,000 | $127,000 |
| Other | 2 | $1,134,000 | $567,000 | $980,000 | $122,000 | $180,000 |
| Unverifiable Information | 2 | $335,000 | $167,000 | $225,000 | $36,000 | $72,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Carolina Premier Bank's 2011 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 Premier Bank'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
with aggregated HMDA statistics today.
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