Main Street Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Main Street Bank 2004 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 | 1,488 |
| Total Mortgage Loan Application Amount | $244,800,000 |
| Average Mortgage Loan Application Amount | $266,150 |
| Highest Mortgage Loan Application Amount | $3,059,000 |
| Average Applicant Income | $56,566 |
| Highest Applicant Income | $1,327,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 239 | $ 25,915,000 | $ 108,000 | $ 58,000 |
| Fulton County Georgia | 120 | $ 30,727,000 | $ 256,000 | $ 97,000 |
| Clarke County Georgia | 117 | $ 19,936,000 | $ 170,000 | $ 56,000 |
| Walton County Georgia | 107 | $ 11,594,000 | $ 108,000 | $ 44,000 |
| Cobb County Georgia | 100 | $ 18,143,000 | $ 181,000 | $ 90,000 |
| Gwinnett County Georgia | 98 | $ 17,176,000 | $ 175,000 | $ 94,000 |
| DeKalb County Georgia | 94 | $ 15,873,000 | $ 168,000 | $ 78,000 |
| Barrow County Georgia | 71 | $ 6,866,000 | $ 96,000 | $ 39,000 |
| Forsyth County Georgia | 69 | $ 15,236,000 | $ 220,000 | $ 70,000 |
| Rockdale County Georgia | 49 | $ 5,700,000 | $ 116,000 | $ 75,000 |
| Oconee County Georgia | 35 | $ 5,806,000 | $ 165,000 | $ 68,000 |
| Jackson County Georgia | 31 | $ 3,179,000 | $ 102,000 | $ 77,000 |
| Jasper County Georgia | 24 | $ 1,907,000 | $ 79,000 | $ 63,000 |
| Cherokee County Georgia | 18 | $ 4,761,000 | $ 264,000 | $ 95,000 |
| Hall County Georgia | 18 | $ 2,931,000 | $ 162,000 | $ 148,000 |
| Madison County Georgia | 16 | $ 1,573,000 | $ 98,000 | $ 48,000 |
| Morgan County Georgia | 16 | $ 1,851,000 | $ 115,000 | $ 65,000 |
| Dawson County Georgia | 15 | $ 2,584,000 | $ 172,000 | $ 112,000 |
| Oglethorpe County Georgia | 12 | $ 1,667,000 | $ 138,000 | $ 46,000 |
| Elbert County Georgia | 7 | $ 523,000 | $ 74,000 | $ 41,000 |
| Los Angeles County California | 6 | $ 2,728,000 | $ 454,000 | $ 164,000 |
| Baldwin County Georgia | 6 | $ 1,666,000 | $ 277,000 | $ 124,000 |
| Paulding County Georgia | 6 | $ 1,169,000 | $ 194,000 | $ 57,000 |
| El Paso County Colorado | 5 | $ 1,034,000 | $ 206,000 | $ 0 |
| Greene County Georgia | 5 | $ 895,000 | $ 179,000 | $ 115,000 |
| Hart County Georgia | 5 | $ 555,000 | $ 111,000 | $ 77,000 |
| Clark County Nevada | 5 | $ 1,066,000 | $ 213,000 | $ 0 |
| Fairfax County Virginia | 5 | $ 1,772,000 | $ 354,000 | $ 53,000 |
| Pinellas County Florida | 4 | $ 1,211,000 | $ 302,000 | $ 127,000 |
| Bibb County Georgia | 4 | $ 464,000 | $ 116,000 | $ 27,000 |
| Henry County Georgia | 4 | $ 379,000 | $ 94,000 | $ 49,000 |
| Putnam County Georgia | 4 | $ 1,091,000 | $ 272,000 | $ 48,000 |
| Bergen County New Jersey | 4 | $ 1,561,000 | $ 390,000 | $ 0 |
| Prince William County Virginia | 4 | $ 840,000 | $ 210,000 | $ 29,000 |
| San Bernardino County California | 3 | $ 581,000 | $ 193,000 | $ 25,000 |
| Santa Cruz County California | 3 | $ 984,000 | $ 328,000 | $ 0 |
| Bartow County Georgia | 3 | $ 537,000 | $ 179,000 | $ 109,000 |
| Clayton County Georgia | 3 | $ 181,000 | $ 60,000 | $ 69,000 |
| Lee County Georgia | 3 | $ 278,000 | $ 92,000 | $ 113,000 |
| White County Georgia | 3 | $ 174,000 | $ 58,000 | $ 88,000 |
| Wilkes County Georgia | 3 | $ 266,000 | $ 88,000 | $ 113,000 |
| Monmouth County New Jersey | 3 | $ 672,000 | $ 224,000 | $ 40,000 |
| Charleston County South Carolina | 3 | $ 738,000 | $ 246,000 | $ 69,000 |
| Madison County Alabama | 2 | $ 394,000 | $ 197,000 | $ 135,000 |
| Mohave County Arizona | 2 | $ 254,000 | $ 127,000 | $ 71,000 |
| Orange County California | 2 | $ 746,000 | $ 373,000 | $ 73,000 |
| Fairfield County Connecticut | 2 | $ 381,000 | $ 190,000 | $ 42,000 |
| Flagler County Florida | 2 | $ 669,000 | $ 334,000 | $ 234,000 |
| Manatee County Florida | 2 | $ 104,000 | $ 52,000 | $ 0 |
| Okaloosa County Florida | 2 | $ 368,000 | $ 184,000 | $ 180,000 |
| Bryan County Georgia | 2 | $ 146,000 | $ 73,000 | $ 46,000 |
| Fannin County Georgia | 2 | $ 516,000 | $ 258,000 | $ 219,000 |
| Fayette County Georgia | 2 | $ 364,000 | $ 182,000 | $ 75,000 |
| Gilmer County Georgia | 2 | $ 467,000 | $ 233,000 | $ 225,000 |
| Glynn County Georgia | 2 | $ 143,000 | $ 71,000 | $ 124,000 |
| Hancock County Georgia | 2 | $ 385,000 | $ 192,000 | $ 194,000 |
| Lumpkin County Georgia | 2 | $ 193,000 | $ 96,000 | $ 11,000 |
| Monroe County Georgia | 2 | $ 34,000 | $ 17,000 | $ 58,000 |
| Muscogee County Georgia | 2 | $ 83,000 | $ 41,000 | $ 132,000 |
| Pickens County Georgia | 2 | $ 276,000 | $ 138,000 | $ 260,000 |
| Randolph County Georgia | 2 | $ 172,000 | $ 86,000 | $ 38,000 |
| Cook County Illinois | 2 | $ 1,138,000 | $ 569,000 | $ 201,000 |
| Worcester County Maryland | 2 | $ 203,000 | $ 101,000 | $ 60,000 |
| Cape May County New Jersey | 2 | $ 468,000 | $ 234,000 | $ 0 |
| Essex County New Jersey | 2 | $ 770,000 | $ 385,000 | $ 0 |
| Ocean County New Jersey | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Brunswick County North Carolina | 2 | $ 568,000 | $ 284,000 | $ 471,000 |
| Currituck County North Carolina | 2 | $ 368,000 | $ 184,000 | $ 132,000 |
| Summit County Ohio | 2 | $ 635,000 | $ 317,000 | $ 168,000 |
| Tulsa County Oklahoma | 2 | $ 131,000 | $ 65,000 | $ 0 |
| Washington County Oregon | 2 | $ 470,000 | $ 235,000 | $ 71,000 |
| Chester County Pennsylvania | 2 | $ 510,000 | $ 255,000 | $ 0 |
| Dallas County Texas | 2 | $ 169,000 | $ 84,000 | $ 0 |
| King County Washington | 2 | $ 391,000 | $ 195,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 226,000 | $ 226,000 | $ 108,000 |
| Pinal County Arizona | 1 | $ 107,000 | $ 107,000 | $ 54,000 |
| Calaveras County California | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Madera County California | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Riverside County California | 1 | $ 200,000 | $ 200,000 | $ 146,000 |
| Sacramento County California | 1 | $ 210,000 | $ 210,000 | $ 0 |
| San Diego County California | 1 | $ 200,000 | $ 200,000 | $ 0 |
| San Juan County Colorado | 1 | $ 348,000 | $ 348,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Bay County Florida | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Charlotte County Florida | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Duval County Florida | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Escambia County Florida | 1 | $ 104,000 | $ 104,000 | $ 96,000 |
| Hernando County Florida | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Lee County Florida | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Osceola County Florida | 1 | $ 398,000 | $ 398,000 | $ 193,000 |
| Palm Beach County Florida | 1 | $ 252,000 | $ 252,000 | $ 258,000 |
| Santa Rosa County Florida | 1 | $ 608,000 | $ 608,000 | $ 0 |
| Sarasota County Florida | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Volusia County Florida | 1 | $ 16,000 | $ 16,000 | $ 66,000 |
| Carroll County Georgia | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Chatham County Georgia | 1 | $ 90,000 | $ 90,000 | $ 70,000 |
| Gordon County Georgia | 1 | $ 121,000 | $ 121,000 | $ 50,000 |
| Lamar County Georgia | 1 | $ 29,000 | $ 29,000 | $ 99,000 |
| Rabun County Georgia | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Richmond County Georgia | 1 | $ 113,000 | $ 113,000 | $ 218,000 |
| Spalding County Georgia | 1 | $ 90,000 | $ 90,000 | $ 63,000 |
| Walker County Georgia | 1 | $ 220,000 | $ 220,000 | $ 90,000 |
| Kauai County Hawaii | 1 | $ 960,000 | $ 960,000 | $ 0 |
| Bannock County Idaho | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Twin Falls County Idaho | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Will County Illinois | 1 | $ 189,000 | $ 189,000 | $ 186,000 |
| Anne Arundel County Maryland | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Frederick County Maryland | 1 | $ 271,000 | $ 271,000 | $ 78,000 |
| Prince George's County Maryland | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Barnstable County Massachusetts | 1 | $ 315,000 | $ 315,000 | $ 102,000 |
| Bristol County Massachusetts | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Essex County Massachusetts | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Middlesex County Massachusetts | 1 | $ 554,000 | $ 554,000 | $ 0 |
| Plymouth County Massachusetts | 1 | $ 562,000 | $ 562,000 | $ 171,000 |
| Anoka County Minnesota | 1 | $ 302,000 | $ 302,000 | $ 0 |
| Wright County Minnesota | 1 | $ 306,000 | $ 306,000 | $ 0 |
| Coos County New Hampshire | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Rockingham County New Hampshire | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Albany County New York | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Niagara County New York | 1 | $ 130,000 | $ 130,000 | $ 46,000 |
| Orange County New York | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Queens County New York | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Dare County North Carolina | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Haywood County North Carolina | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Jackson County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 238,000 |
| Macon County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 127,000 |
| Mecklenburg County North Carolina | 1 | $ 321,000 | $ 321,000 | $ 88,000 |
| Clermont County Ohio | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 212,000 | $ 212,000 | $ 186,000 |
| Deschutes County Oregon | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 131,000 | $ 131,000 | $ 0 |
| York County Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Anderson County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Greenville County South Carolina | 1 | $ 144,000 | $ 144,000 | $ 38,000 |
| Horry County South Carolina | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Oconee County South Carolina | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Collin County Texas | 1 | $ 256,000 | $ 256,000 | $ 195,000 |
| Denton County Texas | 1 | $ 137,000 | $ 137,000 | $ 80,000 |
| Fort Bend County Texas | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Kerr County Texas | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Tarrant County Texas | 1 | $ 456,000 | $ 456,000 | $ 0 |
| Williamson County Texas | 1 | $ 110,000 | $ 110,000 | $ 37,000 |
| Salt Lake County Utah | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Bennington County Vermont | 1 | $ 888,000 | $ 888,000 | $ 0 |
| Chittenden County Vermont | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Loudoun County Virginia | 1 | $ 301,000 | $ 301,000 | $ 0 |
| Norfolk County Virginia | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Stafford County Virginia | 1 | $ 134,000 | $ 134,000 | $ 84,000 |
| Door County Wisconsin | 1 | $ 990,000 | $ 990,000 | $ 390,000 |
Mortgage Loan Application Detail Totals for Main Street Bank in 2004
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 | 981 | $157,742,000 | $287,961 | $3,059,000 | $45,538 | $1,327,000 |
| Home Purchase | 457 | $85,452,000 | $253,346 | $2,000,000 | $67,961 | $1,103,000 |
| Home Improvement | 50 | $1,606,000 | $32,000 | $153,000 | $47,000 | $300,000 |
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 | 1,073 | $174,089,000 | $259,608 | $3,059,000 | $66,434 | $1,327,000 |
| Not Provided | 159 | $31,487,000 | $278,833 | $990,000 | $48,875 | $390,000 |
| Black or African American | 116 | $14,185,000 | $154,250 | $500,000 | $38,750 | $167,000 |
| Not applicable | 91 | $15,521,000 | $386,500 | $752,000 | $0 | $0 |
| Asian | 31 | $5,733,000 | $156,166 | $600,000 | $19,333 | $168,000 |
| Hispanic | 14 | $2,657,000 | $189,000 | $491,000 | $73,000 | $247,000 |
| American Indian or Alaskan Native | 3 | $926,000 | $308,666 | $650,000 | $160,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $202,000 | $202,000 | $202,000 | $80,000 | $80,000 |
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) | 1,465 | $242,005,000 | $284,966 | $3,059,000 | $55,000 | $1,327,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,697,000 | $122,000 | $182,000 | $54,000 | $218,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $98,000 | $98,000 | $98,000 | $63,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 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 | 1,256 | $200,788,000 | $303,821 | $3,059,000 | $52,250 | $1,327,000 |
| Application Denied By Financial Institution | 121 | $18,934,000 | $269,000 | $1,474,000 | $180,000 | $563,000 |
| Application Withdrawn By Applicant | 63 | $14,115,000 | $232,900 | $1,650,000 | $82,900 | $1,103,000 |
| Application Approved But Not Accepted | 48 | $10,963,000 | $195,400 | $1,540,000 | $58,400 | $420,000 |
| 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 Main Street Bank's 2004 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.