Ironstone Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Ironstone Bank 2005 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 | Ironstone Bank 16 E Rowan Street Raleigh, NC 27609 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 464 |
| Total Mortgage Loan Application Amount | $97,033,000 |
| Average Mortgage Loan Application Amount | $199,600 |
| Highest Mortgage Loan Application Amount | $1,829,000 |
| Average Applicant Income | $119,120 |
| Highest Applicant Income | $3,602,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Ironstone Bank. 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 Ironstone Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Ironstone Bank'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 Ironstone Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Ironstone Bank, 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 Ironstone Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gwinnett County Georgia | 52 | $ 8,232,000 | $ 158,000 | $ 97,000 |
| Lee County Florida | 46 | $ 9,040,000 | $ 196,000 | $ 152,000 |
| Fulton County Georgia | 34 | $ 7,414,000 | $ 218,000 | $ 98,000 |
| Cobb County Georgia | 29 | $ 4,498,000 | $ 155,000 | $ 125,000 |
| Broward County Florida | 28 | $ 6,920,000 | $ 247,000 | $ 110,000 |
| Duval County Florida | 28 | $ 5,620,000 | $ 200,000 | $ 147,000 |
| Travis County Texas | 23 | $ 2,503,000 | $ 108,000 | $ 40,000 |
| St. Johns County Florida | 21 | $ 7,971,000 | $ 379,000 | $ 216,000 |
| Palm Beach County Florida | 20 | $ 8,572,000 | $ 428,000 | $ 185,000 |
| Orange County California | 17 | $ 3,597,000 | $ 211,000 | $ 50,000 |
| Collier County Florida | 17 | $ 2,871,000 | $ 168,000 | $ 57,000 |
| Bernalillo County New Mexico | 16 | $ 1,817,000 | $ 113,000 | $ 70,000 |
| Denver County Colorado | 12 | $ 1,977,000 | $ 164,000 | $ 70,000 |
| Cherokee County Georgia | 11 | $ 1,466,000 | $ 133,000 | $ 92,000 |
| Maricopa County Arizona | 10 | $ 1,620,000 | $ 162,000 | $ 103,000 |
| Sacramento County California | 10 | $ 1,688,000 | $ 168,000 | $ 48,000 |
| San Diego County California | 9 | $ 3,043,000 | $ 338,000 | $ 39,000 |
| DeKalb County Georgia | 8 | $ 1,157,000 | $ 144,000 | $ 104,000 |
| Forsyth County Georgia | 8 | $ 1,268,000 | $ 158,000 | $ 97,000 |
| Multnomah County Oregon | 7 | $ 1,096,000 | $ 156,000 | $ 44,000 |
| King County Washington | 6 | $ 1,246,000 | $ 207,000 | $ 56,000 |
| Santa Fe County New Mexico | 4 | $ 1,761,000 | $ 440,000 | $ 149,000 |
| Clay County Florida | 3 | $ 2,169,000 | $ 723,000 | $ 247,000 |
| Watauga County North Carolina | 3 | $ 602,000 | $ 200,000 | $ 224,000 |
| Riverside County California | 2 | $ 684,000 | $ 342,000 | $ 859,000 |
| Franklin County Florida | 2 | $ 477,000 | $ 238,000 | $ 518,000 |
| Dawson County Georgia | 2 | $ 324,000 | $ 162,000 | $ 221,000 |
| Sandoval County New Mexico | 2 | $ 70,000 | $ 35,000 | $ 110,000 |
| El Dorado County California | 1 | $ 580,000 | $ 580,000 | $ 555,000 |
| Solano County California | 1 | $ 233,000 | $ 233,000 | $ 78,000 |
| Gunnison County Colorado | 1 | $ 401,000 | $ 401,000 | $ 216,000 |
| Alachua County Florida | 1 | $ 192,000 | $ 192,000 | $ 99,000 |
| Brevard County Florida | 1 | $ 135,000 | $ 135,000 | $ 741,000 |
| Leon County Florida | 1 | $ 89,000 | $ 89,000 | $ 32,000 |
| Nassau County Florida | 1 | $ 94,000 | $ 94,000 | $ 92,000 |
| Okaloosa County Florida | 1 | $ 384,000 | $ 384,000 | $ 231,000 |
| Pinellas County Florida | 1 | $ 360,000 | $ 360,000 | $ 583,000 |
| Volusia County Florida | 1 | $ 328,000 | $ 328,000 | $ 129,000 |
| Walton County Florida | 1 | $ 796,000 | $ 796,000 | $ 661,000 |
| Gilmer County Georgia | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Hall County Georgia | 1 | $ 280,000 | $ 280,000 | $ 559,000 |
| Jackson County Georgia | 1 | $ 36,000 | $ 36,000 | $ 82,000 |
| Paulding County Georgia | 1 | $ 137,000 | $ 137,000 | $ 33,000 |
| Towns County Georgia | 1 | $ 275,000 | $ 275,000 | $ 262,000 |
| Walton County Georgia | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Henderson County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 235,000 |
| Mecklenburg County North Carolina | 1 | $ 92,000 | $ 92,000 | $ 29,000 |
| Washington County Oregon | 1 | $ 250,000 | $ 250,000 | $ 144,000 |
| Greenville County South Carolina | 1 | $ 500,000 | $ 500,000 | $ 89,000 |
| Burnet County Texas | 1 | $ 79,000 | $ 79,000 | $ 553,000 |
| Williamson County Texas | 1 | $ 107,000 | $ 107,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for Ironstone Bank in 2005
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 | 260 | $56,872,000 | $224,250 | $1,829,000 | $132,083 | $3,602,000 |
| Refinancing | 184 | $37,953,000 | $202,000 | $1,000,000 | $99,875 | $694,000 |
| Home Improvement | 20 | $2,208,000 | $136,600 | $280,000 | $118,800 | $417,000 |
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 | 287 | $59,673,000 | $208,750 | $1,829,000 | $131,250 | $3,236,000 |
| Hispanic | 54 | $8,149,000 | $125,222 | $924,000 | $50,444 | $300,000 |
| Not Provided | 45 | $14,326,000 | $276,222 | $1,375,000 | $164,333 | $3,602,000 |
| Black or African American | 44 | $5,707,000 | $142,285 | $236,000 | $46,285 | $138,000 |
| Asian | 20 | $3,118,000 | $166,250 | $330,000 | $103,500 | $741,000 |
| Not applicable | 12 | $5,766,000 | $488,666 | $968,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $91,000 | $91,000 | $91,000 | $57,000 | $57,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $203,000 | $203,000 | $203,000 | $45,000 | $45,000 |
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) | 408 | $89,616,000 | $214,500 | $1,829,000 | $113,666 | $3,602,000 |
| FHA-insured (Federal Housing Administration) | 48 | $6,439,000 | $133,333 | $208,000 | $42,500 | $79,000 |
| VA-guaranteed (Veterans Administration) | 8 | $978,000 | $123,000 | $174,000 | $38,333 | $56,000 |
| 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 | 203 | $28,883,000 | $151,333 | $330,000 | $47,000 | $167,000 |
| Loan Originated | 198 | $53,887,000 | $285,555 | $1,829,000 | $237,333 | $3,602,000 |
| Application Denied By Financial Institution | 20 | $2,641,000 | $149,666 | $280,000 | $141,500 | $620,000 |
| Application Withdrawn By Applicant | 15 | $6,819,000 | $376,600 | $1,600,000 | $134,600 | $559,000 |
| Application Approved But Not Accepted | 15 | $2,806,000 | $180,500 | $960,000 | $202,500 | $1,000,000 |
| Preapproval Denied by Financial Institution | 10 | $1,342,000 | $134,000 | $400,000 | $49,000 | $132,000 |
| File Closed For Incompleteness | 2 | $579,000 | $289,500 | $490,000 | $121,000 | $210,000 |
| Preapproval Approved but not Accepted | 1 | $76,000 | $76,000 | $76,000 | $19,000 | $19,000 |
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 | 12 | $1,809,000 | $167,600 | $400,000 | $97,800 | $193,000 |
| Credit History | 7 | $450,000 | $59,200 | $108,000 | $61,000 | $83,000 |
| Collateral | 5 | $777,000 | $155,250 | $253,000 | $167,250 | $333,000 |
| Other | 5 | $688,000 | $127,666 | $250,000 | $230,000 | $620,000 |
| Unverifiable Information | 1 | $259,000 | $259,000 | $259,000 | $90,000 | $90,000 |
| 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 Ironstone Bank's 2005 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 Ironstone Bank'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.