High Point Bank B&Tc Mortgage Lending & HMDA Data, 2015
In 2015, High Point Bank B&Tc of High Point, NC reported 236 mortgage applications totaling $49.9 million, up 30% from 2014. The average application was for $211,449, and applicants reported an average income of $98,029. 77% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Greensboro-High Point, NC (152), Winston-Salem, NC (60) and Myrtle Beach-Conway-North Myrtle Beach, SC-NC (5) (applications in parentheses).
| Mortgage Company & Address | High Point Bank B&Tc 1300 E. Hartley Dr. High Point, NC 27262 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 236 |
| Total Mortgage Loan Application Amount | $49,902,000 |
| Average Mortgage Loan Application Amount | $211,449 |
| Highest Mortgage Loan Application Amount | $2,630,000 |
| Average Applicant Income | $98,029 |
| Highest Applicant Income | $1,445,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records High Point Bank B&Tc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Guilford, North Carolina | 131 | $ 26,823,000 | $ 204,755 | $ 84,000 |
| Davidson, North Carolina | 30 | $ 5,348,000 | $ 178,266 | $ 105,000 |
| Forsyth, North Carolina | 26 | $ 5,599,000 | $ 215,346 | $ 104,000 |
| Randolph, North Carolina | 19 | $ 2,262,000 | $ 119,052 | $ 45,000 |
| Davie, North Carolina | 4 | $ 602,000 | $ 150,500 | $ 205,000 |
| Montgomery, North Carolina | 3 | $ 793,000 | $ 264,333 | $ 101,000 |
| New Hanover, North Carolina | 3 | $ 2,190,000 | $ 730,000 | $ 528,000 |
| Horry, South Carolina | 3 | $ 1,094,000 | $ 364,666 | $ 92,000 |
| Cobb, Georgia | 2 | $ 351,000 | $ 175,500 | $ 112,000 |
| Alamance, North Carolina | 2 | $ 464,000 | $ 232,000 | $ 81,000 |
| Brunswick, North Carolina | 2 | $ 516,000 | $ 258,000 | $ 35,000 |
| Rockingham, North Carolina | 2 | $ 330,000 | $ 165,000 | $ 87,000 |
| Wake, North Carolina | 2 | $ 556,000 | $ 278,000 | $ 65,000 |
| Fulton, Georgia | 1 | $ 93,000 | $ 93,000 | $ 16,000 |
| Ashe, North Carolina | 1 | $ 176,000 | $ 176,000 | $ 74,000 |
| Carteret, North Carolina | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Caswell, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 32,000 |
| Mecklenburg, North Carolina | 1 | $ 93,000 | $ 93,000 | $ 59,000 |
| Dallas, Texas | 1 | $ 282,000 | $ 282,000 | $ 78,000 |
| Franklin, Virginia | 1 | $ 2,000,000 | $ 2,000,000 | $ 1,445,000 |
Mortgage Loan Application Detail Totals for High Point Bank B&Tc 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 Purchase | 120 | $28,364,000 | $236,000 | $2,000,000 | $122,000 | $1,445,000 |
| Refinancing | 93 | $18,445,000 | $198,000 | $2,630,000 | $77,000 | $243,000 |
| Home Improvement | 23 | $3,093,000 | $134,000 | $398,000 | $58,000 | $241,000 |
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 | 169 | $33,425,000 | $197,000 | $2,000,000 | $117,000 | $1,445,000 |
| Not applicable | 26 | $10,406,000 | $400,000 | $2,630,000 | $0 | $0 |
| Asian | 17 | $2,861,000 | $168,000 | $504,000 | $106,000 | $352,000 |
| Black or African American | 15 | $1,260,000 | $84,000 | $264,000 | $60,000 | $140,000 |
| Hispanic | 4 | $760,000 | $190,000 | $361,000 | $38,000 | $82,000 |
| Not Provided | 3 | $850,000 | $283,000 | $320,000 | $108,000 | $148,000 |
| American Indian or Alaskan Native | 2 | $340,000 | $170,000 | $222,000 | $98,000 | $106,000 |
| 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) | 235 | $49,800,000 | $211,000 | $2,630,000 | $98,000 | $1,445,000 |
| VA-guaranteed (Veterans Administration) | 1 | $102,000 | $102,000 | $102,000 | $56,000 | $56,000 |
| 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 Originated | 182 | $38,251,000 | $210,000 | $2,000,000 | $108,000 | $1,445,000 |
| Application Denied By Financial Institution | 31 | $7,322,000 | $236,000 | $2,630,000 | $36,000 | $120,000 |
| Application Withdrawn By Applicant | 16 | $2,986,000 | $186,000 | $504,000 | $114,000 | $504,000 |
| Application Approved But Not Accepted | 7 | $1,343,000 | $191,000 | $560,000 | $70,000 | $152,000 |
| 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 High Point Bank B&Tc'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 High Point Bank B&Tc'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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