Carter Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Carter Bank & Trust 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Carter Bank & Trust Po Box 3748 Martinsville, VA 24115 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 634 |
| Total Mortgage Loan Application Amount | $40,527,000 |
| Average Mortgage Loan Application Amount | $94,666 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $55,666 |
| Highest Applicant Income | $493,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Carter Bank & Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Carter Bank & Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Carter Bank & Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Carter Bank & Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by Carter Bank & Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Carter Bank & Trust's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Henry County Virginia | 92 | $ 1,897,000 | $ 20,000 | $ 33,000 |
| Pittsylvania County Virginia | 60 | $ 2,672,000 | $ 44,000 | $ 50,000 |
| Carroll County Virginia | 42 | $ 1,487,000 | $ 35,000 | $ 55,000 |
| Danville County Virginia | 40 | $ 3,416,000 | $ 85,000 | $ 56,000 |
| Franklin County Virginia | 37 | $ 2,461,000 | $ 66,000 | $ 42,000 |
| Patrick County Virginia | 35 | $ 1,240,000 | $ 35,000 | $ 34,000 |
| Halifax County Virginia | 25 | $ 1,829,000 | $ 73,000 | $ 49,000 |
| Rockingham County North Carolina | 18 | $ 536,000 | $ 29,000 | $ 69,000 |
| Martinsville County Virginia | 18 | $ 449,000 | $ 24,000 | $ 42,000 |
| Spotsylvania County Virginia | 14 | $ 506,000 | $ 36,000 | $ 47,000 |
| Floyd County Virginia | 13 | $ 1,051,000 | $ 80,000 | $ 58,000 |
| Grayson County Virginia | 12 | $ 283,000 | $ 23,000 | $ 35,000 |
| Wilkes County North Carolina | 11 | $ 488,000 | $ 44,000 | $ 31,000 |
| Stafford County Virginia | 11 | $ 922,000 | $ 83,000 | $ 75,000 |
| Randolph County North Carolina | 10 | $ 1,705,000 | $ 170,000 | $ 39,000 |
| Surry County North Carolina | 10 | $ 263,000 | $ 26,000 | $ 28,000 |
| Caswell County North Carolina | 9 | $ 282,000 | $ 31,000 | $ 64,000 |
| Roanoke County Virginia | 9 | $ 1,746,000 | $ 194,000 | $ 97,000 |
| Bedford County Virginia | 7 | $ 1,276,000 | $ 182,000 | $ 119,000 |
| Pulaski County Virginia | 7 | $ 1,012,000 | $ 144,000 | $ 74,000 |
| Rockbridge County Virginia | 7 | $ 566,000 | $ 80,000 | $ 62,000 |
| Russell County Virginia | 7 | $ 120,000 | $ 17,000 | $ 33,000 |
| Caldwell County North Carolina | 6 | $ 185,000 | $ 30,000 | $ 21,000 |
| Chatham County North Carolina | 6 | $ 212,000 | $ 35,000 | $ 23,000 |
| Gaston County North Carolina | 6 | $ 642,000 | $ 107,000 | $ 56,000 |
| Rutherford County North Carolina | 6 | $ 364,000 | $ 60,000 | $ 34,000 |
| Campbell County Virginia | 6 | $ 641,000 | $ 106,000 | $ 37,000 |
| Montgomery County Virginia | 6 | $ 437,000 | $ 72,000 | $ 78,000 |
| Burke County North Carolina | 5 | $ 379,000 | $ 75,000 | $ 50,000 |
| Franklin County North Carolina | 5 | $ 249,000 | $ 49,000 | $ 33,000 |
| Guilford County North Carolina | 5 | $ 2,790,000 | $ 558,000 | $ 52,000 |
| Amherst County Virginia | 5 | $ 133,000 | $ 26,000 | $ 36,000 |
| Craig County Virginia | 5 | $ 130,000 | $ 26,000 | $ 48,000 |
| Washington County Virginia | 5 | $ 421,000 | $ 84,000 | $ 49,000 |
| Wythe County Virginia | 5 | $ 298,000 | $ 59,000 | $ 53,000 |
| Roanoke City County Virginia | 4 | $ 31,000 | $ 7,000 | $ 19,000 |
| Tazewell County Virginia | 4 | $ 112,000 | $ 28,000 | $ 44,000 |
| Cumberland County North Carolina | 3 | $ 213,000 | $ 71,000 | $ 73,000 |
| Dickenson County Virginia | 3 | $ 15,000 | $ 5,000 | $ 25,000 |
| Lynchburg County Virginia | 3 | $ 91,000 | $ 30,000 | $ 64,000 |
| Alamance County North Carolina | 2 | $ 138,000 | $ 69,000 | $ 49,000 |
| Cleveland County North Carolina | 2 | $ 7,000 | $ 3,000 | $ 43,000 |
| Lee County North Carolina | 2 | $ 3,000 | $ 1,000 | $ 16,000 |
| Mecklenburg County North Carolina | 2 | $ 367,000 | $ 183,000 | $ 230,000 |
| Augusta County Virginia | 2 | $ 674,000 | $ 337,000 | $ 30,000 |
| Bath County Virginia | 2 | $ 245,000 | $ 122,000 | $ 41,000 |
| Caroline County Virginia | 2 | $ 45,000 | $ 22,000 | $ 51,000 |
| Galax County Virginia | 2 | $ 40,000 | $ 20,000 | $ 60,000 |
| Mecklenburg County Virginia | 2 | $ 32,000 | $ 16,000 | $ 44,000 |
| Nelson County Virginia | 2 | $ 58,000 | $ 29,000 | $ 55,000 |
| Orange County Virginia | 2 | $ 12,000 | $ 6,000 | $ 81,000 |
| Alleghany County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 34,000 |
| Buncombe County North Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Cabarrus County North Carolina | 1 | $ 33,000 | $ 33,000 | $ 165,000 |
| Catawba County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 104,000 |
| Davidson County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 81,000 |
| Edgecombe County North Carolina | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Forsyth County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 72,000 |
| Granville County North Carolina | 1 | $ 37,000 | $ 37,000 | $ 15,000 |
| Harnett County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Lincoln County North Carolina | 1 | $ 1,000 | $ 1,000 | $ 9,000 |
| McDowell County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Montgomery County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Nash County North Carolina | 1 | $ 53,000 | $ 53,000 | $ 138,000 |
| Person County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Robeson County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Stokes County North Carolina | 1 | $ 2,000 | $ 2,000 | $ 11,000 |
| Union County North Carolina | 1 | $ 402,000 | $ 402,000 | $ 355,000 |
| Vance County North Carolina | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Wilson County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 120,000 |
| Yadkin County North Carolina | 1 | $ 78,000 | $ 78,000 | $ 52,000 |
| Mercer County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 1,580,000 | $ 1,580,000 | $ 0 |
| Sullivan County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 91,000 |
| Albemarle County Virginia | 1 | $ 50,000 | $ 50,000 | $ 150,000 |
| Brunswick County Virginia | 1 | $ 89,000 | $ 89,000 | $ 20,000 |
| Newport News County Virginia | 1 | $ 30,000 | $ 30,000 | $ 66,000 |
| Prince William County Virginia | 1 | $ 33,000 | $ 33,000 | $ 61,000 |
| Richmond City County Virginia | 1 | $ 592,000 | $ 592,000 | $ 456,000 |
| Smyth County Virginia | 1 | $ 2,000 | $ 2,000 | $ 49,000 |
| Waynesboro County Virginia | 1 | $ 360,000 | $ 360,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Carter Bank & Trust 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 Improvement | 379 | $6,449,000 | $17,000 | $500,000 | $39,000 | $284,000 |
| Home Purchase | 131 | $15,701,000 | $119,000 | $1,804,000 | $61,000 | $446,000 |
| Refinancing | 124 | $18,377,000 | $148,000 | $2,400,000 | $67,000 | $493,000 |
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 | 490 | $27,400,000 | $55,000 | $1,200,000 | $54,000 | $493,000 |
| Black or African American | 95 | $2,100,000 | $22,000 | $262,000 | $37,000 | $284,000 |
| Not applicable | 28 | $10,455,000 | $373,000 | $2,400,000 | $0 | $0 |
| Hispanic | 17 | $417,000 | $24,000 | $125,000 | $36,000 | $86,000 |
| Asian | 4 | $155,000 | $38,000 | $50,000 | $163,000 | $163,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 634 | $40,527,000 | $63,000 | $2,400,000 | $49,000 | $493,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Originated | 485 | $31,023,000 | $63,000 | $2,400,000 | $51,000 | $456,000 |
| Application Denied By Financial Institution | 118 | $7,001,000 | $59,000 | $1,200,000 | $45,000 | $493,000 |
| Application Withdrawn By Applicant | 22 | $1,731,000 | $78,000 | $260,000 | $41,000 | $132,000 |
| Application Approved But Not Accepted | 9 | $772,000 | $85,000 | $219,000 | $52,000 | $106,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Carter Bank & Trust'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 Carter Bank & Trust'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 Virginia, download the full spreadsheet
with aggregated HMDA statistics today.