Main Street Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Main Street Bank 2003 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 | Main Street Bank 2713 Forest Hills Road Wilson, NC 27893 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,513 |
| Total Mortgage Loan Application Amount | $220,542,000 |
| Average Mortgage Loan Application Amount | $214,100 |
| Highest Mortgage Loan Application Amount | $1,110,000 |
| Average Applicant Income | $68,100 |
| Highest Applicant Income | $1,248,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Main Street 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 Main Street Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Main Street 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 Main Street Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Main Street 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 Main Street Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Newton County Georgia | 245 | $ 26,476,000 | $ 108,000 | $ 50,000 |
| Walton County Georgia | 146 | $ 15,319,000 | $ 104,000 | $ 48,000 |
| Clarke County Georgia | 139 | $ 17,991,000 | $ 129,000 | $ 55,000 |
| Gwinnett County Georgia | 136 | $ 20,210,000 | $ 148,000 | $ 74,000 |
| Fulton County Georgia | 92 | $ 22,329,000 | $ 242,000 | $ 126,000 |
| Cobb County Georgia | 91 | $ 16,348,000 | $ 179,000 | $ 83,000 |
| Forsyth County Georgia | 75 | $ 14,217,000 | $ 189,000 | $ 93,000 |
| Rockdale County Georgia | 74 | $ 8,975,000 | $ 121,000 | $ 73,000 |
| DeKalb County Georgia | 64 | $ 9,718,000 | $ 151,000 | $ 61,000 |
| Barrow County Georgia | 57 | $ 5,493,000 | $ 96,000 | $ 45,000 |
| Oconee County Georgia | 54 | $ 10,092,000 | $ 186,000 | $ 59,000 |
| Jackson County Georgia | 28 | $ 3,214,000 | $ 114,000 | $ 55,000 |
| Madison County Georgia | 27 | $ 3,550,000 | $ 131,000 | $ 49,000 |
| Hall County Georgia | 22 | $ 3,534,000 | $ 160,000 | $ 83,000 |
| Morgan County Georgia | 18 | $ 2,408,000 | $ 133,000 | $ 29,000 |
| Oglethorpe County Georgia | 18 | $ 2,327,000 | $ 129,000 | $ 58,000 |
| Jasper County Georgia | 17 | $ 2,546,000 | $ 149,000 | $ 122,000 |
| Cherokee County Georgia | 16 | $ 2,306,000 | $ 144,000 | $ 89,000 |
| Carroll County Georgia | 8 | $ 1,232,000 | $ 154,000 | $ 65,000 |
| Henry County Georgia | 8 | $ 902,000 | $ 112,000 | $ 64,000 |
| Baldwin County Georgia | 7 | $ 872,000 | $ 124,000 | $ 45,000 |
| Dawson County Georgia | 7 | $ 587,000 | $ 83,000 | $ 29,000 |
| Paulding County Georgia | 7 | $ 1,281,000 | $ 183,000 | $ 69,000 |
| Bartow County Georgia | 6 | $ 1,253,000 | $ 208,000 | $ 66,000 |
| Elbert County Georgia | 6 | $ 989,000 | $ 164,000 | $ 69,000 |
| Clayton County Georgia | 5 | $ 558,000 | $ 111,000 | $ 65,000 |
| Beaufort County South Carolina | 5 | $ 1,071,000 | $ 214,000 | $ 26,000 |
| Fairfax County Virginia | 5 | $ 1,654,000 | $ 330,000 | $ 133,000 |
| Los Angeles County California | 4 | $ 757,000 | $ 189,000 | $ 108,000 |
| Franklin County Georgia | 4 | $ 336,000 | $ 84,000 | $ 41,000 |
| Escambia County Florida | 3 | $ 198,000 | $ 66,000 | $ 75,000 |
| Putnam County Georgia | 3 | $ 133,000 | $ 44,000 | $ 36,000 |
| Stephens County Georgia | 3 | $ 230,000 | $ 76,000 | $ 27,000 |
| Wayne County Michigan | 3 | $ 409,000 | $ 136,000 | $ 100,000 |
| Sacramento County California | 2 | $ 235,000 | $ 117,000 | $ 37,000 |
| Monroe County Florida | 2 | $ 335,000 | $ 167,000 | $ 57,000 |
| Volusia County Florida | 2 | $ 249,000 | $ 124,000 | $ 44,000 |
| Fayette County Georgia | 2 | $ 450,000 | $ 225,000 | $ 108,000 |
| Gilmer County Georgia | 2 | $ 240,000 | $ 120,000 | $ 76,000 |
| Greene County Georgia | 2 | $ 888,000 | $ 444,000 | $ 199,000 |
| Habersham County Georgia | 2 | $ 196,000 | $ 98,000 | $ 0 |
| Hart County Georgia | 2 | $ 188,000 | $ 94,000 | $ 85,000 |
| Lumpkin County Georgia | 2 | $ 92,000 | $ 46,000 | $ 50,000 |
| Pickens County Georgia | 2 | $ 260,000 | $ 130,000 | $ 45,000 |
| Spalding County Georgia | 2 | $ 134,000 | $ 67,000 | $ 62,000 |
| Towns County Georgia | 2 | $ 181,000 | $ 90,000 | $ 106,000 |
| Troup County Georgia | 2 | $ 133,000 | $ 66,000 | $ 37,000 |
| Union County Georgia | 2 | $ 722,000 | $ 361,000 | $ 311,000 |
| Middlesex County Massachusetts | 2 | $ 627,000 | $ 313,000 | $ 0 |
| Suffolk County New York | 2 | $ 358,000 | $ 179,000 | $ 66,000 |
| Currituck County North Carolina | 2 | $ 475,000 | $ 237,000 | $ 251,000 |
| Sevier County Tennessee | 2 | $ 340,000 | $ 170,000 | $ 199,000 |
| Dallas County Texas | 2 | $ 1,240,000 | $ 620,000 | $ 587,000 |
| King County Washington | 2 | $ 462,000 | $ 231,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 134,000 | $ 134,000 | $ 268,000 |
| San Luis Obispo County California | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Shasta County California | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Ventura County California | 1 | $ 475,000 | $ 475,000 | $ 0 |
| New Castle County Delaware | 1 | $ 231,000 | $ 231,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Bay County Florida | 1 | $ 123,000 | $ 123,000 | $ 103,000 |
| Broward County Florida | 1 | $ 190,000 | $ 190,000 | $ 108,000 |
| Collier County Florida | 1 | $ 218,000 | $ 218,000 | $ 74,000 |
| Duval County Florida | 1 | $ 90,000 | $ 90,000 | $ 90,000 |
| Lee County Florida | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Nassau County Florida | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Okaloosa County Florida | 1 | $ 160,000 | $ 160,000 | $ 159,000 |
| Orange County Florida | 1 | $ 223,000 | $ 223,000 | $ 62,000 |
| Pasco County Florida | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Polk County Florida | 1 | $ 142,000 | $ 142,000 | $ 0 |
| St. Johns County Florida | 1 | $ 138,000 | $ 138,000 | $ 84,000 |
| St. Lucie County Florida | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Walton County Florida | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Banks County Georgia | 1 | $ 110,000 | $ 110,000 | $ 29,000 |
| Butts County Georgia | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Chatham County Georgia | 1 | $ 172,000 | $ 172,000 | $ 120,000 |
| Douglas County Georgia | 1 | $ 119,000 | $ 119,000 | $ 31,000 |
| Emanuel County Georgia | 1 | $ 42,000 | $ 42,000 | $ 69,000 |
| Fannin County Georgia | 1 | $ 140,000 | $ 140,000 | $ 97,000 |
| Glynn County Georgia | 1 | $ 126,000 | $ 126,000 | $ 147,000 |
| Liberty County Georgia | 1 | $ 97,000 | $ 97,000 | $ 86,000 |
| Monroe County Georgia | 1 | $ 36,000 | $ 36,000 | $ 26,000 |
| Muscogee County Georgia | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
| Randolph County Georgia | 1 | $ 86,000 | $ 86,000 | $ 51,000 |
| Upson County Georgia | 1 | $ 84,000 | $ 84,000 | $ 0 |
| White County Georgia | 1 | $ 394,000 | $ 394,000 | $ 130,000 |
| Cumberland County Maine | 1 | $ 135,000 | $ 135,000 | $ 79,000 |
| Hampden County Massachusetts | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Huron County Michigan | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Oakland County Michigan | 1 | $ 530,000 | $ 530,000 | $ 163,000 |
| Dakota County Minnesota | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Clark County Nevada | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Hudson County New Jersey | 1 | $ 358,000 | $ 358,000 | $ 0 |
| Nassau County New York | 1 | $ 332,000 | $ 332,000 | $ 76,000 |
| Westchester County New York | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Yates County New York | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Avery County North Carolina | 1 | $ 136,000 | $ 136,000 | $ 120,000 |
| Buncombe County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 92,000 |
| Macon County North Carolina | 1 | $ 323,000 | $ 323,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 181,000 | $ 181,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 95,000 |
| Swain County North Carolina | 1 | $ 214,000 | $ 214,000 | $ 117,000 |
| Stark County Ohio | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Pontotoc County Oklahoma | 1 | $ 123,000 | $ 123,000 | $ 121,000 |
| Wagoner County Oklahoma | 1 | $ 270,000 | $ 270,000 | $ 145,000 |
| Jackson County Oregon | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Cumberland County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Greenville County South Carolina | 1 | $ 86,000 | $ 86,000 | $ 49,000 |
| Jasper County South Carolina | 1 | $ 124,000 | $ 124,000 | $ 71,000 |
| Oconee County South Carolina | 1 | $ 179,000 | $ 179,000 | $ 101,000 |
| Bradley County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 58,000 |
| Davidson County Tennessee | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Monroe County Tennessee | 1 | $ 641,000 | $ 641,000 | $ 182,000 |
| Shelby County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Collin County Texas | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Accomack County Virginia | 1 | $ 140,000 | $ 140,000 | $ 104,000 |
| Campbell County Virginia | 1 | $ 102,000 | $ 102,000 | $ 28,000 |
| Chesapeake County Virginia | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Spotsylvania County Virginia | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Virginia Beach County Virginia | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Teton County Wyoming | 1 | $ 1,000 | $ 1,000 | $ 396,000 |
Mortgage Loan Application Detail Totals for Main Street Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 964 | $150,194,000 | $238,888 | $1,110,000 | $103,944 | $1,248,000 |
| Home Purchase (one-to-four family) | 464 | $64,289,000 | $201,578 | $1,000,000 | $42,315 | $576,000 |
| Home Improvement (one-to-four family) | 73 | $2,275,000 | $31,000 | $441,000 | $49,000 | $200,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 12 | $3,784,000 | $201,500 | $699,000 | $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 |
|---|---|---|---|---|---|---|
| White | 1,188 | $170,239,000 | $200,380 | $1,110,000 | $62,571 | $1,248,000 |
| Black | 112 | $13,861,000 | $121,200 | $549,000 | $20,400 | $252,000 |
| Information not provided by applicant in mail or telephone application | 104 | $19,784,000 | $262,285 | $680,000 | $117,214 | $587,000 |
| Not applicable | 54 | $7,514,000 | $139,000 | $613,000 | $0 | $0 |
| Asian or Pacific Islander | 27 | $4,953,000 | $164,000 | $502,000 | $31,750 | $226,000 |
| Hispanic | 19 | $2,128,000 | $228,000 | $358,000 | $36,500 | $310,000 |
| American Indian or Alaskan Native | 6 | $628,000 | $104,000 | $239,000 | $56,000 | $129,000 |
| Other | 3 | $1,435,000 | $478,000 | $1,000,000 | $163,000 | $440,000 |
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) | 1,486 | $217,195,000 | $209,000 | $1,110,000 | $73,958 | $1,248,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,497,000 | $118,000 | $200,000 | $40,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 6 | $850,000 | $141,000 | $171,000 | $53,000 | $78,000 |
| 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 Originated | 1,216 | $173,470,000 | $232,333 | $1,110,000 | $74,722 | $1,248,000 |
| Application Withdrawn By Applicant | 140 | $23,538,000 | $182,866 | $1,000,000 | $45,133 | $440,000 |
| Application Denied By Financial Institution | 119 | $16,373,000 | $194,400 | $735,000 | $106,400 | $396,000 |
| Application Approved But Not Accepted | 38 | $7,161,000 | $158,250 | $748,000 | $47,750 | $600,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 Main Street Bank's 2003 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 Main Street 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.