Ironstone Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Ironstone Bank 2009 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 | 343 |
| Total Mortgage Loan Application Amount | $64,888,000 |
| Average Mortgage Loan Application Amount | $184,666 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $126,333 |
| Highest Applicant Income | $1,252,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lee County Florida | 39 | $ 3,440,000 | $ 88,000 | $ 40,000 |
| Fulton County Georgia | 29 | $ 8,039,000 | $ 277,000 | $ 150,000 |
| Gwinnett County Georgia | 18 | $ 2,930,000 | $ 162,000 | $ 52,000 |
| King County Washington | 13 | $ 2,672,000 | $ 205,000 | $ 217,000 |
| Cherokee County Georgia | 12 | $ 1,359,000 | $ 113,000 | $ 46,000 |
| Travis County Texas | 12 | $ 2,058,000 | $ 171,000 | $ 115,000 |
| San Diego County California | 11 | $ 1,881,000 | $ 171,000 | $ 79,000 |
| Broward County Florida | 11 | $ 2,280,000 | $ 207,000 | $ 131,000 |
| Jackson County Missouri | 11 | $ 3,064,000 | $ 278,000 | $ 74,000 |
| Multnomah County Oregon | 11 | $ 1,741,000 | $ 158,000 | $ 58,000 |
| Maricopa County Arizona | 10 | $ 1,195,000 | $ 119,000 | $ 72,000 |
| Denver County Colorado | 10 | $ 1,182,000 | $ 118,000 | $ 91,000 |
| Duval County Florida | 10 | $ 1,620,000 | $ 162,000 | $ 62,000 |
| DeKalb County Georgia | 10 | $ 2,678,000 | $ 267,000 | $ 144,000 |
| Bernalillo County New Mexico | 10 | $ 1,509,000 | $ 150,000 | $ 44,000 |
| Cobb County Georgia | 9 | $ 3,860,000 | $ 428,000 | $ 254,000 |
| Oklahoma County Oklahoma | 9 | $ 1,198,000 | $ 133,000 | $ 57,000 |
| Johnson County Kansas | 7 | $ 1,051,000 | $ 150,000 | $ 100,000 |
| Santa Fe County New Mexico | 7 | $ 1,681,000 | $ 240,000 | $ 112,000 |
| Orange County California | 6 | $ 890,000 | $ 148,000 | $ 69,000 |
| Sacramento County California | 6 | $ 924,000 | $ 154,000 | $ 43,000 |
| Collier County Florida | 5 | $ 1,019,000 | $ 203,000 | $ 159,000 |
| Clackamas County Oregon | 5 | $ 1,579,000 | $ 315,000 | $ 149,000 |
| Arapahoe County Colorado | 4 | $ 392,000 | $ 98,000 | $ 44,000 |
| Douglas County Colorado | 4 | $ 1,133,000 | $ 283,000 | $ 249,000 |
| Palm Beach County Florida | 4 | $ 321,000 | $ 80,000 | $ 36,000 |
| St. Johns County Florida | 4 | $ 1,397,000 | $ 349,000 | $ 171,000 |
| Forsyth County Georgia | 4 | $ 2,501,000 | $ 625,000 | $ 114,000 |
| Dallas County Texas | 4 | $ 406,000 | $ 101,000 | $ 38,000 |
| Harris County Texas | 4 | $ 388,000 | $ 97,000 | $ 26,000 |
| Jefferson County Colorado | 2 | $ 723,000 | $ 361,000 | $ 242,000 |
| Morgan County Missouri | 2 | $ 255,000 | $ 127,000 | $ 0 |
| Coconino County Arizona | 1 | $ 156,000 | $ 156,000 | $ 193,000 |
| El Dorado County California | 1 | $ 287,000 | $ 287,000 | $ 101,000 |
| Santa Clara County California | 1 | $ 417,000 | $ 417,000 | $ 121,000 |
| Broomfield County Colorado | 1 | $ 223,000 | $ 223,000 | $ 171,000 |
| El Paso County Colorado | 1 | $ 248,000 | $ 248,000 | $ 175,000 |
| La Plata County Colorado | 1 | $ 417,000 | $ 417,000 | $ 395,000 |
| Alachua County Florida | 1 | $ 120,000 | $ 120,000 | $ 144,000 |
| Miami-Dade County Florida | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Volusia County Florida | 1 | $ 173,000 | $ 173,000 | $ 60,000 |
| Hart County Georgia | 1 | $ 257,000 | $ 257,000 | $ 220,000 |
| Henry County Georgia | 1 | $ 80,000 | $ 80,000 | $ 43,000 |
| Jackson County Georgia | 1 | $ 162,000 | $ 162,000 | $ 34,000 |
| Morgan County Georgia | 1 | $ 279,000 | $ 279,000 | $ 93,000 |
| Richmond County Georgia | 1 | $ 164,000 | $ 164,000 | $ 258,000 |
| Union County Georgia | 1 | $ 411,000 | $ 411,000 | $ 112,000 |
| Franklin County Kansas | 1 | $ 100,000 | $ 100,000 | $ 37,000 |
| Leavenworth County Kansas | 1 | $ 137,000 | $ 137,000 | $ 40,000 |
| Miami County Kansas | 1 | $ 289,000 | $ 289,000 | $ 387,000 |
| Sandoval County New Mexico | 1 | $ 130,000 | $ 130,000 | $ 293,000 |
| Canadian County Oklahoma | 1 | $ 266,000 | $ 266,000 | $ 114,000 |
| Deschutes County Oregon | 1 | $ 244,000 | $ 244,000 | $ 142,000 |
| Yamhill County Oregon | 1 | $ 417,000 | $ 417,000 | $ 207,000 |
| Galveston County Texas | 1 | $ 284,000 | $ 284,000 | $ 181,000 |
| Montgomery County Texas | 1 | $ 100,000 | $ 100,000 | $ 34,000 |
| Williamson County Texas | 1 | $ 130,000 | $ 130,000 | $ 178,000 |
| Pierce County Washington | 1 | $ 360,000 | $ 360,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for Ironstone Bank in 2009
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 | 199 | $33,574,000 | $168,000 | $1,400,000 | $75,000 | $852,000 |
| Refinancing | 133 | $29,495,000 | $221,000 | $2,100,000 | $127,000 | $1,252,000 |
| Home Improvement | 11 | $1,819,000 | $165,000 | $360,000 | $177,000 | $390,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 134 | $18,441,000 | $137,000 | $2,100,000 | $42,000 | $256,000 |
| White | 121 | $26,926,000 | $222,000 | $1,400,000 | $148,000 | $1,252,000 |
| Not Provided | 27 | $8,165,000 | $302,000 | $1,200,000 | $178,000 | $702,000 |
| Black or African American | 26 | $3,786,000 | $145,000 | $537,000 | $61,000 | $203,000 |
| Hispanic | 21 | $3,340,000 | $159,000 | $1,000,000 | $79,000 | $347,000 |
| Asian | 13 | $4,019,000 | $309,000 | $1,093,000 | $161,000 | $439,000 |
| American Indian or Alaskan Native | 1 | $211,000 | $211,000 | $211,000 | $75,000 | $75,000 |
| 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) | 261 | $54,786,000 | $209,000 | $2,100,000 | $116,000 | $1,252,000 |
| FHA-insured (Federal Housing Administration) | 77 | $9,421,000 | $122,000 | $251,000 | $42,000 | $148,000 |
| VA-guaranteed (Veterans Administration) | 3 | $414,000 | $138,000 | $161,000 | $40,000 | $50,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $267,000 | $133,000 | $137,000 | $55,000 | $70,000 |
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 | 128 | $15,696,000 | $122,000 | $210,000 | $42,000 | $148,000 |
| Loan Originated | 126 | $32,721,000 | $259,000 | $2,100,000 | $154,000 | $1,252,000 |
| Application Denied By Financial Institution | 30 | $5,212,000 | $173,000 | $417,000 | $74,000 | $435,000 |
| File Closed For Incompleteness | 20 | $4,722,000 | $236,000 | $417,000 | $154,000 | $420,000 |
| Application Approved But Not Accepted | 16 | $2,973,000 | $185,000 | $378,000 | $118,000 | $390,000 |
| Preapproval Denied by Financial Institution | 14 | $1,254,000 | $89,000 | $172,000 | $33,000 | $70,000 |
| Application Withdrawn By Applicant | 9 | $2,310,000 | $256,000 | $417,000 | $153,000 | $612,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 15 | $1,694,000 | $112,000 | $172,000 | $59,000 | $300,000 |
| Debt-To-Income Ratio | 12 | $2,070,000 | $172,000 | $417,000 | $49,000 | $140,000 |
| Collateral | 10 | $1,916,000 | $191,000 | $417,000 | $92,000 | $435,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $289,000 | $72,000 | $84,000 | $33,000 | $48,000 |
| Other | 2 | $280,000 | $140,000 | $150,000 | $53,000 | $70,000 |
| Unverifiable Information | 1 | $217,000 | $217,000 | $217,000 | $49,000 | $49,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ironstone Bank's 2009 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.