Carter Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Carter Bank & Trust 2019 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 | 723 |
| Total Mortgage Loan Application Amount | $301,575,000 |
| Average Mortgage Loan Application Amount | $329,750 |
| Highest Mortgage Loan Application Amount | $22,005,000 |
| Average Applicant Income | $84,250 |
| Highest Applicant Income | $551,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfax County Virginia | 56 | $ 35,880,000 | $ 640,000 | $ 137,000 |
| Albemarle County Virginia | 45 | $ 23,095,000 | $ 513,000 | $ 443,000 |
| Charlottesville County Virginia | 36 | $ 9,810,000 | $ 272,000 | $ 130,000 |
| Wake County North Carolina | 34 | $ 12,590,000 | $ 370,000 | $ 133,000 |
| Pittsylvania County Virginia | 31 | $ 2,305,000 | $ 74,000 | $ 67,000 |
| Henry County Virginia | 28 | $ 2,490,000 | $ 88,000 | $ 38,000 |
| Franklin County Virginia | 24 | $ 1,980,000 | $ 82,000 | $ 77,000 |
| Carroll County Virginia | 22 | $ 1,140,000 | $ 51,000 | $ 47,000 |
| Henrico County Virginia | 22 | $ 8,050,000 | $ 365,000 | $ 113,000 |
| Loudoun County Virginia | 19 | $ 10,395,000 | $ 547,000 | $ 0 |
| Stafford County Virginia | 16 | $ 3,770,000 | $ 235,000 | $ 109,000 |
| Danville County Virginia | 15 | $ 5,445,000 | $ 363,000 | $ 62,000 |
| Prince William County Virginia | 15 | $ 7,395,000 | $ 493,000 | $ 0 |
| Guilford County North Carolina | 12 | $ 2,890,000 | $ 240,000 | $ 188,000 |
| Montgomery County Virginia | 12 | $ 3,170,000 | $ 264,000 | $ 152,000 |
| Cumberland County North Carolina | 11 | $ 1,815,000 | $ 165,000 | $ 153,000 |
| Halifax County Virginia | 11 | $ 1,235,000 | $ 112,000 | $ 74,000 |
| Patrick County Virginia | 11 | $ 1,035,000 | $ 94,000 | $ 40,000 |
| Chatham County North Carolina | 9 | $ 1,405,000 | $ 156,000 | $ 34,000 |
| Rockingham County North Carolina | 9 | $ 1,345,000 | $ 149,000 | $ 50,000 |
| Floyd County Virginia | 9 | $ 1,285,000 | $ 142,000 | $ 65,000 |
| Louisa County Virginia | 9 | $ 515,000 | $ 57,000 | $ 0 |
| Montgomery County Maryland | 8 | $ 3,700,000 | $ 462,000 | $ 0 |
| Mecklenburg County North Carolina | 8 | $ 8,270,000 | $ 1,033,000 | $ 384,000 |
| Arlington County Virginia | 8 | $ 4,690,000 | $ 586,000 | $ 0 |
| Bedford County Virginia | 7 | $ 855,000 | $ 122,000 | $ 64,000 |
| Martinsville County Virginia | 7 | $ 375,000 | $ 53,000 | $ 63,000 |
| Orange County Virginia | 7 | $ 1,515,000 | $ 216,000 | $ 161,000 |
| Roanoke City County Virginia | 7 | $ 2,535,000 | $ 362,000 | $ 67,000 |
| Wilkes County North Carolina | 6 | $ 430,000 | $ 71,000 | $ 44,000 |
| Campbell County Virginia | 6 | $ 870,000 | $ 145,000 | $ 96,000 |
| Manassas County Virginia | 6 | $ 2,240,000 | $ 373,000 | $ 0 |
| Roanoke County Virginia | 6 | $ 5,950,000 | $ 991,000 | $ 211,000 |
| Spotsylvania County Virginia | 6 | $ 1,670,000 | $ 278,000 | $ 85,000 |
| Burke County North Carolina | 5 | $ 595,000 | $ 119,000 | $ 46,000 |
| Durham County North Carolina | 5 | $ 1,455,000 | $ 291,000 | $ 0 |
| Iredell County North Carolina | 5 | $ 805,000 | $ 161,000 | $ 81,000 |
| Robeson County North Carolina | 5 | $ 285,000 | $ 57,000 | $ 43,000 |
| Alexandria County Virginia | 5 | $ 2,905,000 | $ 581,000 | $ 0 |
| Grayson County Virginia | 5 | $ 115,000 | $ 23,000 | $ 20,000 |
| Greene County Virginia | 5 | $ 1,285,000 | $ 257,000 | $ 128,000 |
| Pulaski County Virginia | 5 | $ 1,205,000 | $ 241,000 | $ 144,000 |
| Pitt County North Carolina | 4 | $ 1,720,000 | $ 430,000 | $ 133,000 |
| Rutherford County North Carolina | 4 | $ 240,000 | $ 60,000 | $ 43,000 |
| Fluvanna County Virginia | 4 | $ 2,130,000 | $ 532,000 | $ 249,000 |
| Lynchburg County Virginia | 4 | $ 11,740,000 | $ 2,935,000 | $ 100,000 |
| Rockbridge County Virginia | 4 | $ 390,000 | $ 97,000 | $ 51,000 |
| Virginia Beach County Virginia | 4 | $ 2,290,000 | $ 572,000 | $ 257,000 |
| St. Mary's County Maryland | 3 | $ 1,155,000 | $ 385,000 | $ 0 |
| Caswell County North Carolina | 3 | $ 245,000 | $ 81,000 | $ 109,000 |
| Johnston County North Carolina | 3 | $ 1,085,000 | $ 361,000 | $ 102,000 |
| Lee County North Carolina | 3 | $ 12,345,000 | $ 4,115,000 | $ 29,000 |
| Lincoln County North Carolina | 3 | $ 215,000 | $ 71,000 | $ 34,000 |
| Florence County South Carolina | 3 | $ 625,000 | $ 208,000 | $ 0 |
| Augusta County Virginia | 3 | $ 425,000 | $ 141,000 | $ 79,000 |
| Fauquier County Virginia | 3 | $ 1,345,000 | $ 448,000 | $ 0 |
| Galax County Virginia | 3 | $ 345,000 | $ 115,000 | $ 114,000 |
| Giles County Virginia | 3 | $ 525,000 | $ 175,000 | $ 0 |
| Mecklenburg County Virginia | 3 | $ 595,000 | $ 198,000 | $ 71,000 |
| Richmond City County Virginia | 3 | $ 715,000 | $ 238,000 | $ 117,000 |
| Noble County Indiana | 2 | $ 4,800,000 | $ 2,400,000 | $ 0 |
| Calvert County Maryland | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Genesee County Michigan | 2 | $ 2,400,000 | $ 1,200,000 | $ 0 |
| Brunswick County North Carolina | 2 | $ 22,500,000 | $ 11,250,000 | $ 0 |
| Dare County North Carolina | 2 | $ 870,000 | $ 435,000 | $ 62,000 |
| Gaston County North Carolina | 2 | $ 490,000 | $ 245,000 | $ 75,000 |
| Moore County North Carolina | 2 | $ 880,000 | $ 440,000 | $ 247,000 |
| Randolph County North Carolina | 2 | $ 70,000 | $ 35,000 | $ 68,000 |
| Stokes County North Carolina | 2 | $ 60,000 | $ 30,000 | $ 22,000 |
| Surry County North Carolina | 2 | $ 120,000 | $ 60,000 | $ 38,000 |
| Vance County North Carolina | 2 | $ 120,000 | $ 60,000 | $ 13,000 |
| Sullivan County Tennessee | 2 | $ 60,000 | $ 30,000 | $ 14,000 |
| Fredericksburg County Virginia | 2 | $ 220,000 | $ 110,000 | $ 41,000 |
| Goochland County Virginia | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Hanover County Virginia | 2 | $ 580,000 | $ 290,000 | $ 0 |
| Nelson County Virginia | 2 | $ 1,020,000 | $ 510,000 | $ 0 |
| Portsmouth County Virginia | 2 | $ 190,000 | $ 95,000 | $ 257,000 |
| Radford County Virginia | 2 | $ 170,000 | $ 85,000 | $ 75,000 |
| Rockingham County Virginia | 2 | $ 270,000 | $ 135,000 | $ 273,000 |
| Tazewell County Virginia | 2 | $ 140,000 | $ 70,000 | $ 103,000 |
| Duval County Florida | 1 | $ 145,000 | $ 145,000 | $ 0 |
| DeKalb County Indiana | 1 | $ 1,235,000 | $ 1,235,000 | $ 0 |
| Charles County Maryland | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Frederick County Maryland | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Prince George's County Maryland | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Shiawassee County Michigan | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
| Bladen County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Caldwell County North Carolina | 1 | $ 525,000 | $ 525,000 | $ 270,000 |
| Carteret County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 159,000 |
| Cleveland County North Carolina | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Craven County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Currituck County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Edgecombe County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Granville County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Harnett County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Jackson County North Carolina | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Montgomery County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 252,000 |
| Nash County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 324,000 |
| Orange County North Carolina | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Person County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 56,000 |
| Rowan County North Carolina | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Warren County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 8,000 |
| Wayne County North Carolina | 1 | $ 7,415,000 | $ 7,415,000 | $ 0 |
| Yadkin County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Greenville County South Carolina | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Spartanburg County South Carolina | 1 | $ 20,545,000 | $ 20,545,000 | $ 0 |
| Appomattox County Virginia | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Caroline County Virginia | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Chesterfield County Virginia | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Clarke County Virginia | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Fairfax City County Virginia | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Frederick County Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Harrisonburg County Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hopewell County Virginia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| James City County Virginia | 1 | $ 265,000 | $ 265,000 | $ 0 |
| King George County Virginia | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Lexington County Virginia | 1 | $ 345,000 | $ 345,000 | $ 132,000 |
| Northampton County Virginia | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Northumberland County Virginia | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Rappahannock County Virginia | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Russell County Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Staunton County Virginia | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Waynesboro County Virginia | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Wythe County Virginia | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Mercer County West Virginia | 1 | $ 3,315,000 | $ 3,315,000 | $ 0 |
Mortgage Loan Application Detail Totals for Carter Bank & Trust 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 | 377 | $190,445,000 | $505,000 | $20,545,000 | $103,000 | $440,000 |
| Refinancing | 194 | $88,350,000 | $455,000 | $22,005,000 | $100,000 | $551,000 |
| Other Purpose | 95 | $5,665,000 | $59,000 | $245,000 | $76,000 | $511,000 |
| Home Improvement | 57 | $17,115,000 | $300,000 | $11,205,000 | $58,000 | $389,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 384 | $261,650,000 | $681,000 | $22,005,000 | $0 | $0 |
| White | 280 | $34,090,000 | $121,000 | $1,245,000 | $88,000 | $551,000 |
| Black or African American | 27 | $1,895,000 | $70,000 | $495,000 | $48,000 | $232,000 |
| Not Provided | 12 | $2,400,000 | $200,000 | $525,000 | $123,000 | $270,000 |
| Hispanic | 10 | $370,000 | $37,000 | $55,000 | $38,000 | $91,000 |
| Asian | 10 | $1,170,000 | $117,000 | $225,000 | $192,000 | $303,000 |
| American Indian or Alaskan Native | 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) | 717 | $300,465,000 | $419,000 | $22,005,000 | $88,000 | $551,000 |
| FHA-insured (Federal Housing Administration) | 4 | $600,000 | $150,000 | $275,000 | $58,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $175,000 | $175,000 | $175,000 | $31,000 | $31,000 |
| VA-guaranteed (Veterans Administration) | 1 | $335,000 | $335,000 | $335,000 | $77,000 | $77,000 |
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 Purchased By The Institution | 316 | $139,180,000 | $440,000 | $1,935,000 | $0 | $0 |
| Loan Originated | 269 | $128,905,000 | $479,000 | $22,005,000 | $99,000 | $511,000 |
| Application Denied By Financial Institution | 76 | $12,060,000 | $158,000 | $7,415,000 | $53,000 | $273,000 |
| Application Withdrawn By Applicant | 45 | $7,035,000 | $156,000 | $1,065,000 | $97,000 | $551,000 |
| Application Approved But Not Accepted | 16 | $14,120,000 | $882,000 | $11,205,000 | $77,000 | $247,000 |
| File Closed For Incompleteness | 1 | $275,000 | $275,000 | $275,000 | $106,000 | $106,000 |
| 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 | 723 | $301,575,000 | $417,000 | $22,005,000 | $87,000 | $551,000 |
| 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 Carter Bank & Trust'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 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.