Carter Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Carter Bank & Trust 2022 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 | 1,170 |
| Total Mortgage Loan Application Amount | $607,370,000 |
| Average Mortgage Loan Application Amount | $413,000 |
| Highest Mortgage Loan Application Amount | $34,005,000 |
| Average Applicant Income | $129,250 |
| Highest Applicant Income | $2,544,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 80 | $ 40,830,000 | $ 510,000 | $ 172,000 |
| Mecklenburg County North Carolina | 68 | $ 52,650,000 | $ 774,000 | $ 207,000 |
| Fairfax County Virginia | 50 | $ 36,730,000 | $ 734,000 | $ 542,000 |
| Loudoun County Virginia | 46 | $ 31,460,000 | $ 683,000 | $ 180,000 |
| Wake County North Carolina | 44 | $ 18,340,000 | $ 416,000 | $ 72,000 |
| Iredell County North Carolina | 43 | $ 8,405,000 | $ 195,000 | $ 140,000 |
| Henrico County Virginia | 42 | $ 11,880,000 | $ 282,000 | $ 294,000 |
| Franklin County Virginia | 37 | $ 6,285,000 | $ 169,000 | $ 106,000 |
| Prince William County Virginia | 37 | $ 26,975,000 | $ 729,000 | $ 228,000 |
| Catawba County North Carolina | 30 | $ 5,280,000 | $ 176,000 | $ 208,000 |
| Charlottesville County Virginia | 26 | $ 8,680,000 | $ 333,000 | $ 226,000 |
| Henry County Virginia | 26 | $ 1,830,000 | $ 70,000 | $ 58,000 |
| Pittsylvania County Virginia | 21 | $ 2,595,000 | $ 123,000 | $ 103,000 |
| Bedford County Virginia | 18 | $ 2,810,000 | $ 156,000 | $ 61,000 |
| Montgomery County Virginia | 18 | $ 7,620,000 | $ 423,000 | $ 154,000 |
| Montgomery County Maryland | 17 | $ 10,085,000 | $ 593,000 | $ 0 |
| Prince George's County Maryland | 16 | $ 8,090,000 | $ 505,000 | $ 0 |
| Guilford County North Carolina | 16 | $ 3,520,000 | $ 220,000 | $ 224,000 |
| Halifax County Virginia | 14 | $ 1,240,000 | $ 88,000 | $ 75,000 |
| Mecklenburg County Virginia | 14 | $ 940,000 | $ 67,000 | $ 120,000 |
| Cabarrus County North Carolina | 13 | $ 2,185,000 | $ 168,000 | $ 125,000 |
| Rockingham County North Carolina | 13 | $ 2,385,000 | $ 183,000 | $ 49,000 |
| Spartanburg County South Carolina | 13 | $ 26,235,000 | $ 2,018,000 | $ 0 |
| Martinsville County Virginia | 13 | $ 775,000 | $ 59,000 | $ 56,000 |
| Union County North Carolina | 12 | $ 3,030,000 | $ 252,000 | $ 162,000 |
| Danville County Virginia | 12 | $ 1,070,000 | $ 89,000 | $ 112,000 |
| Lynchburg County Virginia | 12 | $ 2,640,000 | $ 220,000 | $ 66,000 |
| Patrick County Virginia | 12 | $ 1,280,000 | $ 106,000 | $ 55,000 |
| Roanoke County Virginia | 12 | $ 4,990,000 | $ 415,000 | $ 84,000 |
| Charleston County South Carolina | 11 | $ 7,395,000 | $ 672,000 | $ 0 |
| Arlington County Virginia | 11 | $ 11,775,000 | $ 1,070,000 | $ 300,000 |
| Richmond City County Virginia | 11 | $ 4,025,000 | $ 365,000 | $ 2,544,000 |
| Stafford County Virginia | 11 | $ 3,675,000 | $ 334,000 | $ 128,000 |
| Cumberland County North Carolina | 10 | $ 62,640,000 | $ 6,264,000 | $ 91,000 |
| Fluvanna County Virginia | 10 | $ 2,380,000 | $ 238,000 | $ 158,000 |
| Campbell County Virginia | 9 | $ 2,135,000 | $ 237,000 | $ 88,000 |
| Brunswick County North Carolina | 8 | $ 4,190,000 | $ 523,000 | $ 211,000 |
| Lee County North Carolina | 8 | $ 710,000 | $ 88,000 | $ 74,000 |
| Surry County North Carolina | 8 | $ 810,000 | $ 101,000 | $ 60,000 |
| Beaufort County South Carolina | 8 | $ 4,720,000 | $ 590,000 | $ 0 |
| Spotsylvania County Virginia | 8 | $ 4,640,000 | $ 580,000 | $ 80,000 |
| Floyd County Virginia | 7 | $ 745,000 | $ 106,000 | $ 81,000 |
| Louisa County Virginia | 7 | $ 1,275,000 | $ 182,000 | $ 76,000 |
| Nelson County Virginia | 7 | $ 5,105,000 | $ 729,000 | $ 110,000 |
| Pulaski County Virginia | 7 | $ 805,000 | $ 115,000 | $ 110,000 |
| Roanoke City County Virginia | 7 | $ 2,425,000 | $ 346,000 | $ 100,000 |
| Dare County North Carolina | 6 | $ 2,220,000 | $ 370,000 | $ 236,000 |
| Durham County North Carolina | 6 | $ 2,400,000 | $ 400,000 | $ 49,000 |
| Gaston County North Carolina | 6 | $ 990,000 | $ 165,000 | $ 193,000 |
| Person County North Carolina | 6 | $ 650,000 | $ 108,000 | $ 86,000 |
| Rowan County North Carolina | 6 | $ 580,000 | $ 96,000 | $ 176,000 |
| Hanover County Virginia | 6 | $ 2,690,000 | $ 448,000 | $ 94,000 |
| Davidson County North Carolina | 5 | $ 1,245,000 | $ 249,000 | $ 101,000 |
| Johnston County North Carolina | 5 | $ 625,000 | $ 125,000 | $ 64,000 |
| Lincoln County North Carolina | 5 | $ 1,755,000 | $ 351,000 | $ 166,000 |
| Greenville County South Carolina | 5 | $ 945,000 | $ 189,000 | $ 0 |
| Richland County South Carolina | 5 | $ 1,605,000 | $ 321,000 | $ 165,000 |
| Carroll County Virginia | 5 | $ 365,000 | $ 73,000 | $ 70,000 |
| Fredericksburg County Virginia | 5 | $ 1,425,000 | $ 285,000 | $ 0 |
| Grayson County Virginia | 5 | $ 475,000 | $ 95,000 | $ 142,000 |
| Greene County Virginia | 5 | $ 2,465,000 | $ 493,000 | $ 111,000 |
| Baltimore County Maryland | 4 | $ 1,220,000 | $ 305,000 | $ 0 |
| Chatham County North Carolina | 4 | $ 1,170,000 | $ 292,000 | $ 39,000 |
| Orange County North Carolina | 4 | $ 9,270,000 | $ 2,317,000 | $ 0 |
| Lancaster County South Carolina | 4 | $ 1,250,000 | $ 312,000 | $ 0 |
| Lexington County South Carolina | 4 | $ 1,490,000 | $ 372,000 | $ 0 |
| Alexandria County Virginia | 4 | $ 3,220,000 | $ 805,000 | $ 0 |
| Amherst County Virginia | 4 | $ 1,520,000 | $ 380,000 | $ 24,000 |
| Culpeper County Virginia | 4 | $ 1,250,000 | $ 312,000 | $ 117,000 |
| Rockbridge County Virginia | 4 | $ 300,000 | $ 75,000 | $ 49,000 |
| Salem County Virginia | 4 | $ 2,540,000 | $ 635,000 | $ 142,000 |
| Garrett County Maryland | 3 | $ 3,775,000 | $ 1,258,000 | $ 0 |
| Worcester County Maryland | 3 | $ 1,505,000 | $ 501,000 | $ 0 |
| Buncombe County North Carolina | 3 | $ 385,000 | $ 128,000 | $ 50,000 |
| Caswell County North Carolina | 3 | $ 455,000 | $ 151,000 | $ 76,000 |
| Forsyth County North Carolina | 3 | $ 615,000 | $ 205,000 | $ 117,000 |
| Franklin County North Carolina | 3 | $ 1,405,000 | $ 468,000 | $ 0 |
| Randolph County North Carolina | 3 | $ 525,000 | $ 175,000 | $ 48,000 |
| Vance County North Carolina | 3 | $ 11,325,000 | $ 3,775,000 | $ 25,000 |
| Aiken County South Carolina | 3 | $ 855,000 | $ 285,000 | $ 0 |
| Horry County South Carolina | 3 | $ 6,455,000 | $ 2,151,000 | $ 338,000 |
| Botetourt County Virginia | 3 | $ 1,145,000 | $ 381,000 | $ 0 |
| Buckingham County Virginia | 3 | $ 1,985,000 | $ 661,000 | $ 94,000 |
| Caroline County Virginia | 3 | $ 605,000 | $ 201,000 | $ 66,000 |
| Galax County Virginia | 3 | $ 95,000 | $ 31,000 | $ 43,000 |
| Radford County Virginia | 3 | $ 525,000 | $ 175,000 | $ 131,000 |
| Virginia Beach County Virginia | 3 | $ 2,435,000 | $ 811,000 | $ 0 |
| Anne Arundel County Maryland | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Calvert County Maryland | 2 | $ 1,440,000 | $ 720,000 | $ 0 |
| Charles County Maryland | 2 | $ 990,000 | $ 495,000 | $ 0 |
| Howard County Maryland | 2 | $ 1,010,000 | $ 505,000 | $ 0 |
| St. Mary's County Maryland | 2 | $ 790,000 | $ 395,000 | $ 0 |
| Carteret County North Carolina | 2 | $ 1,090,000 | $ 545,000 | $ 136,000 |
| Pender County North Carolina | 2 | $ 1,130,000 | $ 565,000 | $ 0 |
| Rutherford County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 140,000 |
| Stokes County North Carolina | 2 | $ 80,000 | $ 40,000 | $ 15,000 |
| Warren County North Carolina | 2 | $ 720,000 | $ 360,000 | $ 0 |
| Wilkes County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 24,000 |
| Wilson County North Carolina | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Anderson County South Carolina | 2 | $ 660,000 | $ 330,000 | $ 0 |
| York County South Carolina | 2 | $ 5,550,000 | $ 2,775,000 | $ 0 |
| Chesterfield County Virginia | 2 | $ 32,260,000 | $ 16,130,000 | $ 0 |
| Fauquier County Virginia | 2 | $ 2,120,000 | $ 1,060,000 | $ 0 |
| Giles County Virginia | 2 | $ 380,000 | $ 190,000 | $ 0 |
| King George County Virginia | 2 | $ 100,000 | $ 50,000 | $ 90,000 |
| New Kent County Virginia | 2 | $ 580,000 | $ 290,000 | $ 0 |
| Baltimore City County Maryland | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Frederick County Maryland | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Alamance County North Carolina | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Bladen County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Caldwell County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 15,000 |
| Craven County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Jones County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Moore County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Onslow County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 217,000 |
| Pitt County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Watauga County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 262,000 |
| Berkeley County South Carolina | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Colleton County South Carolina | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Darlington County South Carolina | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Georgetown County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Greenwood County South Carolina | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Kershaw County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Newberry County South Carolina | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Sumter County South Carolina | 1 | $ 15,005,000 | $ 15,005,000 | $ 0 |
| Augusta County Virginia | 1 | $ 125,000 | $ 125,000 | $ 231,000 |
| Buena Vista County Virginia | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Charlotte County Virginia | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Fairfax City County Virginia | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Falls Church County Virginia | 1 | $ 1,955,000 | $ 1,955,000 | $ 0 |
| Lancaster County Virginia | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Lexington County Virginia | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| Lunenburg County Virginia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Madison County Virginia | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Manassas County Virginia | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Middlesex County Virginia | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Newport News County Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Northampton County Virginia | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Orange County Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Page County Virginia | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Powhatan County Virginia | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Rockingham County Virginia | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Staunton County Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Washington County Virginia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Wythe County Virginia | 1 | $ 65,000 | $ 65,000 | $ 0 |
Mortgage Loan Application Detail Totals for Carter Bank & Trust in 2022
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 | 586 | $427,380,000 | $729,000 | $34,005,000 | $127,000 | $499,000 |
| Other Purpose | 215 | $28,785,000 | $133,000 | $995,000 | $141,000 | $755,000 |
| Refinancing | 194 | $130,130,000 | $670,000 | $26,165,000 | $143,000 | $2,544,000 |
| Home Improvement | 175 | $21,075,000 | $120,000 | $2,005,000 | $106,000 | $781,000 |
| 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 | 638 | $534,480,000 | $837,000 | $34,005,000 | $0 | $0 |
| White | 362 | $50,410,000 | $139,000 | $1,505,000 | $125,000 | $2,544,000 |
| Not Provided | 101 | $15,825,000 | $156,000 | $1,805,000 | $168,000 | $755,000 |
| Black or African American | 46 | $3,910,000 | $85,000 | $545,000 | $78,000 | $252,000 |
| Hispanic | 14 | $920,000 | $65,000 | $155,000 | $79,000 | $139,000 |
| Asian | 7 | $1,555,000 | $222,000 | $405,000 | $205,000 | $294,000 |
| 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) | 1,169 | $607,025,000 | $519,000 | $34,005,000 | $129,000 | $2,544,000 |
| VA-guaranteed (Veterans Administration) | 1 | $345,000 | $345,000 | $345,000 | $188,000 | $188,000 |
| 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 |
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 | 554 | $296,050,000 | $534,000 | $2,005,000 | $0 | $0 |
| Loan Originated | 405 | $251,505,000 | $621,000 | $32,005,000 | $154,000 | $2,544,000 |
| Application Denied By Financial Institution | 158 | $49,690,000 | $314,000 | $34,005,000 | $80,000 | $542,000 |
| Application Withdrawn By Applicant | 23 | $3,545,000 | $154,000 | $635,000 | $87,000 | $329,000 |
| Application Approved But Not Accepted | 17 | $4,035,000 | $237,000 | $885,000 | $156,000 | $330,000 |
| File Closed For Incompleteness | 13 | $2,545,000 | $195,000 | $495,000 | $65,000 | $141,000 |
| 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 | 1,012 | $557,680,000 | $551,000 | $32,005,000 | $148,000 | $2,544,000 |
| Debt-To-Income Ratio | 85 | $8,265,000 | $97,000 | $855,000 | $64,000 | $307,000 |
| Credit History | 48 | $4,120,000 | $85,000 | $705,000 | $93,000 | $417,000 |
| Collateral | 20 | $2,660,000 | $133,000 | $355,000 | $110,000 | $542,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $76,000 | $76,000 |
| Other | 1 | $34,005,000 | $34,005,000 | $34,005,000 | $0 | $0 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $73,000 | $73,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $62,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $425,000 | $425,000 | $425,000 | $73,000 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Carter Bank & Trust's 2022 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.
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with aggregated HMDA statistics today.