Carter Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Carter Bank & Trust 2021 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 | 778 |
| Total Mortgage Loan Application Amount | $451,350,000 |
| Average Mortgage Loan Application Amount | $414,250 |
| Highest Mortgage Loan Application Amount | $32,965,000 |
| Average Applicant Income | $87,500 |
| Highest Applicant Income | $751,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Albemarle County Virginia | 50 | $ 41,740,000 | $ 834,000 | $ 276,000 |
| Fairfax County Virginia | 43 | $ 38,785,000 | $ 901,000 | $ 75,000 |
| Franklin County Virginia | 39 | $ 5,165,000 | $ 132,000 | $ 74,000 |
| Henry County Virginia | 38 | $ 2,710,000 | $ 71,000 | $ 69,000 |
| Prince William County Virginia | 29 | $ 12,685,000 | $ 437,000 | $ 72,000 |
| Wake County North Carolina | 27 | $ 11,845,000 | $ 438,000 | $ 67,000 |
| Charlottesville County Virginia | 27 | $ 28,555,000 | $ 1,057,000 | $ 158,000 |
| Bedford County Virginia | 22 | $ 3,770,000 | $ 171,000 | $ 81,000 |
| Loudoun County Virginia | 22 | $ 16,090,000 | $ 731,000 | $ 220,000 |
| Patrick County Virginia | 22 | $ 1,940,000 | $ 88,000 | $ 66,000 |
| Pittsylvania County Virginia | 22 | $ 1,690,000 | $ 76,000 | $ 59,000 |
| Carroll County Virginia | 20 | $ 2,190,000 | $ 109,000 | $ 78,000 |
| Danville County Virginia | 19 | $ 2,895,000 | $ 152,000 | $ 79,000 |
| Rockingham County North Carolina | 18 | $ 760,000 | $ 42,000 | $ 38,000 |
| Guilford County North Carolina | 16 | $ 36,510,000 | $ 2,281,000 | $ 86,000 |
| Mecklenburg County North Carolina | 16 | $ 27,290,000 | $ 1,705,000 | $ 306,000 |
| Martinsville County Virginia | 16 | $ 1,020,000 | $ 63,000 | $ 64,000 |
| Roanoke City County Virginia | 14 | $ 21,780,000 | $ 1,555,000 | $ 113,000 |
| Campbell County Virginia | 11 | $ 1,045,000 | $ 95,000 | $ 74,000 |
| Halifax County Virginia | 11 | $ 825,000 | $ 75,000 | $ 66,000 |
| Henrico County Virginia | 11 | $ 4,555,000 | $ 414,000 | $ 0 |
| Lynchburg County Virginia | 11 | $ 5,085,000 | $ 462,000 | $ 92,000 |
| Fauquier County Virginia | 9 | $ 6,225,000 | $ 691,000 | $ 68,000 |
| Louisa County Virginia | 9 | $ 3,145,000 | $ 349,000 | $ 330,000 |
| Richmond City County Virginia | 9 | $ 2,595,000 | $ 288,000 | $ 0 |
| Iredell County North Carolina | 8 | $ 3,010,000 | $ 376,000 | $ 188,000 |
| Arlington County Virginia | 8 | $ 6,400,000 | $ 800,000 | $ 0 |
| Montgomery County Virginia | 8 | $ 4,070,000 | $ 508,000 | $ 82,000 |
| Roanoke County Virginia | 8 | $ 690,000 | $ 86,000 | $ 42,000 |
| Spotsylvania County Virginia | 8 | $ 1,950,000 | $ 243,000 | $ 91,000 |
| Stafford County Virginia | 8 | $ 2,150,000 | $ 268,000 | $ 47,000 |
| Montgomery County Maryland | 7 | $ 4,535,000 | $ 647,000 | $ 0 |
| Chesterfield County Virginia | 7 | $ 2,885,000 | $ 412,000 | $ 0 |
| Surry County North Carolina | 6 | $ 550,000 | $ 91,000 | $ 79,000 |
| Floyd County Virginia | 6 | $ 380,000 | $ 63,000 | $ 45,000 |
| Mecklenburg County Virginia | 6 | $ 3,690,000 | $ 615,000 | $ 51,000 |
| Chatham County North Carolina | 5 | $ 1,675,000 | $ 335,000 | $ 46,000 |
| Spartanburg County South Carolina | 5 | $ 845,000 | $ 169,000 | $ 0 |
| Amherst County Virginia | 5 | $ 545,000 | $ 109,000 | $ 45,000 |
| Fredericksburg County Virginia | 5 | $ 935,000 | $ 187,000 | $ 29,000 |
| Hanover County Virginia | 5 | $ 1,205,000 | $ 241,000 | $ 0 |
| Pulaski County Virginia | 5 | $ 525,000 | $ 105,000 | $ 57,000 |
| Virginia Beach County Virginia | 5 | $ 5,675,000 | $ 1,135,000 | $ 512,000 |
| Burke County North Carolina | 4 | $ 1,070,000 | $ 267,000 | $ 131,000 |
| Currituck County North Carolina | 4 | $ 4,260,000 | $ 1,065,000 | $ 79,000 |
| Alexandria County Virginia | 4 | $ 2,460,000 | $ 615,000 | $ 255,000 |
| Augusta County Virginia | 4 | $ 890,000 | $ 222,000 | $ 93,000 |
| Nelson County Virginia | 4 | $ 2,040,000 | $ 510,000 | $ 85,000 |
| Franklin County North Carolina | 3 | $ 585,000 | $ 195,000 | $ 49,000 |
| Person County North Carolina | 3 | $ 305,000 | $ 101,000 | $ 46,000 |
| Rowan County North Carolina | 3 | $ 5,845,000 | $ 1,948,000 | $ 72,000 |
| Charleston County South Carolina | 3 | $ 2,405,000 | $ 801,000 | $ 0 |
| Craig County Virginia | 3 | $ 545,000 | $ 181,000 | $ 75,000 |
| Fluvanna County Virginia | 3 | $ 985,000 | $ 328,000 | $ 0 |
| Grayson County Virginia | 3 | $ 175,000 | $ 58,000 | $ 41,000 |
| Lexington County Virginia | 3 | $ 165,000 | $ 55,000 | $ 134,000 |
| Westmoreland County Virginia | 3 | $ 315,000 | $ 105,000 | $ 58,000 |
| Baltimore County Maryland | 2 | $ 1,790,000 | $ 895,000 | $ 0 |
| Frederick County Maryland | 2 | $ 680,000 | $ 340,000 | $ 0 |
| Brunswick County North Carolina | 2 | $ 730,000 | $ 365,000 | $ 0 |
| Buncombe County North Carolina | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Caswell County North Carolina | 2 | $ 120,000 | $ 60,000 | $ 46,000 |
| Cleveland County North Carolina | 2 | $ 670,000 | $ 335,000 | $ 0 |
| Cumberland County North Carolina | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Dare County North Carolina | 2 | $ 850,000 | $ 425,000 | $ 0 |
| Davidson County North Carolina | 2 | $ 920,000 | $ 460,000 | $ 108,000 |
| Durham County North Carolina | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Johnston County North Carolina | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Moore County North Carolina | 2 | $ 720,000 | $ 360,000 | $ 0 |
| Randolph County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 32,000 |
| Vance County North Carolina | 2 | $ 160,000 | $ 80,000 | $ 59,000 |
| Horry County South Carolina | 2 | $ 31,240,000 | $ 15,620,000 | $ 0 |
| Botetourt County Virginia | 2 | $ 250,000 | $ 125,000 | $ 44,000 |
| Giles County Virginia | 2 | $ 190,000 | $ 95,000 | $ 64,000 |
| Goochland County Virginia | 2 | $ 1,710,000 | $ 855,000 | $ 0 |
| Norfolk County Virginia | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Salem County Virginia | 2 | $ 140,000 | $ 70,000 | $ 36,000 |
| Wythe County Virginia | 2 | $ 350,000 | $ 175,000 | $ 91,000 |
| Collier County Florida | 1 | $ 2,695,000 | $ 2,695,000 | $ 306,000 |
| Calvert County Maryland | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Garrett County Maryland | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Prince George's County Maryland | 1 | $ 345,000 | $ 345,000 | $ 0 |
| St. Mary's County Maryland | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Worcester County Maryland | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Alamance County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Beaufort County North Carolina | 1 | $ 1,405,000 | $ 1,405,000 | $ 452,000 |
| Carteret County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Craven County North Carolina | 1 | $ 27,005,000 | $ 27,005,000 | $ 0 |
| Duplin County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| Forsyth County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Gaston County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Granville County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Lee County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Pitt County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Polk County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Transylvania County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Warren County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 156,000 |
| Wilkes County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Wilson County North Carolina | 1 | $ 11,655,000 | $ 11,655,000 | $ 0 |
| Georgetown County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Lexington County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Richland County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Sumter County South Carolina | 1 | $ 9,205,000 | $ 9,205,000 | $ 0 |
| Appomattox County Virginia | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Buckingham County Virginia | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Charlotte County Virginia | 1 | $ 35,000 | $ 35,000 | $ 23,000 |
| Galax County Virginia | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Greene County Virginia | 1 | $ 415,000 | $ 415,000 | $ 0 |
| James City County Virginia | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| Lancaster County Virginia | 1 | $ 1,495,000 | $ 1,495,000 | $ 0 |
| Northampton County Virginia | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Northumberland County Virginia | 1 | $ 275,000 | $ 275,000 | $ 37,000 |
| Prince Edward County Virginia | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Rockbridge County Virginia | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Shenandoah County Virginia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Smyth County Virginia | 1 | $ 355,000 | $ 355,000 | $ 125,000 |
| Staunton County Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Waynesboro County Virginia | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Wise County Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
Mortgage Loan Application Detail Totals for Carter Bank & Trust in 2021
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 | 301 | $300,335,000 | $997,000 | $32,965,000 | $97,000 | $551,000 |
| Refinancing | 270 | $133,950,000 | $496,000 | $12,805,000 | $88,000 | $751,000 |
| Other Purpose | 105 | $9,305,000 | $88,000 | $1,005,000 | $83,000 | $592,000 |
| Home Improvement | 102 | $7,760,000 | $76,000 | $605,000 | $82,000 | $478,000 |
| 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 | 374 | $395,270,000 | $1,056,000 | $32,965,000 | $0 | $0 |
| White | 320 | $41,450,000 | $129,000 | $2,695,000 | $86,000 | $592,000 |
| Black or African American | 53 | $3,305,000 | $62,000 | $215,000 | $61,000 | $231,000 |
| Not Provided | 18 | $8,410,000 | $467,000 | $3,805,000 | $167,000 | $751,000 |
| Hispanic | 7 | $925,000 | $132,000 | $375,000 | $51,000 | $114,000 |
| Asian | 2 | $220,000 | $110,000 | $125,000 | $29,000 | $34,000 |
| 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) | 771 | $450,355,000 | $584,000 | $32,965,000 | $87,000 | $751,000 |
| FHA-insured (Federal Housing Administration) | 3 | $615,000 | $205,000 | $375,000 | $58,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $295,000 | $98,000 | $165,000 | $43,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 1 | $85,000 | $85,000 | $85,000 | $43,000 | $43,000 |
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 Originated | 321 | $220,905,000 | $688,000 | $31,005,000 | $96,000 | $751,000 |
| Loan Purchased By The Institution | 304 | $178,660,000 | $587,000 | $1,895,000 | $0 | $0 |
| Application Denied By Financial Institution | 103 | $10,425,000 | $101,000 | $1,405,000 | $64,000 | $313,000 |
| Application Withdrawn By Applicant | 29 | $6,125,000 | $211,000 | $1,245,000 | $89,000 | $298,000 |
| Application Approved But Not Accepted | 14 | $34,100,000 | $2,435,000 | $32,965,000 | $77,000 | $234,000 |
| File Closed For Incompleteness | 7 | $1,135,000 | $162,000 | $375,000 | $81,000 | $144,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 675 | $440,925,000 | $653,000 | $32,965,000 | $94,000 | $751,000 |
| Credit History | 48 | $4,120,000 | $85,000 | $1,005,000 | $62,000 | $231,000 |
| Debt-To-Income Ratio | 39 | $3,735,000 | $95,000 | $265,000 | $50,000 | $236,000 |
| Collateral | 13 | $2,395,000 | $184,000 | $1,405,000 | $124,000 | $313,000 |
| Other | 2 | $140,000 | $70,000 | $75,000 | $19,000 | $19,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Carter Bank & Trust's 2021 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.