Main Street Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Main Street 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 | 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 | 1,111 |
| Total Mortgage Loan Application Amount | $190,349,000 |
| Average Mortgage Loan Application Amount | $210,823 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $44,980 |
| Highest Applicant Income | $1,171,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 181 | $ 20,202,000 | $ 111,000 | $ 60,000 |
| Clarke County Georgia | 86 | $ 11,862,000 | $ 137,000 | $ 80,000 |
| Fulton County Georgia | 83 | $ 28,327,000 | $ 341,000 | $ 185,000 |
| Walton County Georgia | 81 | $ 8,417,000 | $ 103,000 | $ 48,000 |
| Barrow County Georgia | 57 | $ 5,960,000 | $ 104,000 | $ 87,000 |
| DeKalb County Georgia | 50 | $ 7,824,000 | $ 156,000 | $ 64,000 |
| Gwinnett County Georgia | 45 | $ 7,068,000 | $ 157,000 | $ 80,000 |
| Cobb County Georgia | 43 | $ 9,826,000 | $ 228,000 | $ 114,000 |
| Rockdale County Georgia | 42 | $ 4,399,000 | $ 104,000 | $ 67,000 |
| Forsyth County Georgia | 37 | $ 8,971,000 | $ 242,000 | $ 79,000 |
| Oconee County Georgia | 31 | $ 4,535,000 | $ 146,000 | $ 83,000 |
| Jackson County Georgia | 25 | $ 2,052,000 | $ 82,000 | $ 53,000 |
| Jasper County Georgia | 21 | $ 2,323,000 | $ 110,000 | $ 45,000 |
| Los Angeles County California | 13 | $ 3,524,000 | $ 271,000 | $ 68,000 |
| Hall County Georgia | 13 | $ 4,272,000 | $ 328,000 | $ 174,000 |
| Cherokee County Georgia | 12 | $ 2,125,000 | $ 177,000 | $ 66,000 |
| Dawson County Georgia | 12 | $ 2,021,000 | $ 168,000 | $ 48,000 |
| Henry County Georgia | 12 | $ 2,254,000 | $ 187,000 | $ 52,000 |
| Madison County Georgia | 11 | $ 872,000 | $ 79,000 | $ 71,000 |
| Morgan County Georgia | 11 | $ 1,731,000 | $ 157,000 | $ 25,000 |
| Oglethorpe County Georgia | 11 | $ 1,371,000 | $ 124,000 | $ 55,000 |
| Maricopa County Arizona | 10 | $ 2,369,000 | $ 236,000 | $ 0 |
| Baldwin County Georgia | 8 | $ 1,461,000 | $ 182,000 | $ 66,000 |
| Hart County Georgia | 6 | $ 744,000 | $ 124,000 | $ 134,000 |
| Paulding County Georgia | 6 | $ 871,000 | $ 145,000 | $ 68,000 |
| Putnam County Georgia | 6 | $ 1,115,000 | $ 185,000 | $ 139,000 |
| Carroll County Georgia | 5 | $ 380,000 | $ 76,000 | $ 35,000 |
| Clayton County Georgia | 5 | $ 445,000 | $ 89,000 | $ 104,000 |
| Greene County Georgia | 5 | $ 1,636,000 | $ 327,000 | $ 111,000 |
| Orange County California | 4 | $ 1,567,000 | $ 391,000 | $ 0 |
| Elbert County Georgia | 4 | $ 421,000 | $ 105,000 | $ 64,000 |
| Franklin County Georgia | 4 | $ 698,000 | $ 174,000 | $ 102,000 |
| Spalding County Georgia | 4 | $ 300,000 | $ 75,000 | $ 23,000 |
| Cook County Illinois | 4 | $ 1,128,000 | $ 282,000 | $ 72,000 |
| Prince William County Virginia | 4 | $ 1,175,000 | $ 293,000 | $ 0 |
| Riverside County California | 3 | $ 684,000 | $ 228,000 | $ 75,000 |
| Monroe County Georgia | 3 | $ 225,000 | $ 75,000 | $ 111,000 |
| Pickens County Georgia | 3 | $ 230,000 | $ 76,000 | $ 194,000 |
| Sussex County New Jersey | 3 | $ 1,048,000 | $ 349,000 | $ 0 |
| Mecklenburg County North Carolina | 3 | $ 278,000 | $ 92,000 | $ 29,000 |
| Lee County Alabama | 2 | $ 156,000 | $ 78,000 | $ 0 |
| Shelby County Alabama | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Pima County Arizona | 2 | $ 176,000 | $ 88,000 | $ 0 |
| Pulaski County Arkansas | 2 | $ 2,400,000 | $ 1,200,000 | $ 0 |
| Contra Costa County California | 2 | $ 1,650,000 | $ 825,000 | $ 0 |
| San Diego County California | 2 | $ 560,000 | $ 280,000 | $ 0 |
| El Paso County Colorado | 2 | $ 275,000 | $ 137,000 | $ 82,000 |
| New London County Connecticut | 2 | $ 122,000 | $ 61,000 | $ 0 |
| Sussex County Delaware | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Brevard County Florida | 2 | $ 686,000 | $ 343,000 | $ 370,000 |
| Broward County Florida | 2 | $ 383,000 | $ 191,000 | $ 0 |
| Charlotte County Florida | 2 | $ 265,000 | $ 132,000 | $ 0 |
| Orange County Florida | 2 | $ 850,000 | $ 425,000 | $ 0 |
| Sarasota County Florida | 2 | $ 415,000 | $ 207,000 | $ 0 |
| Seminole County Florida | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Bibb County Georgia | 2 | $ 423,000 | $ 211,000 | $ 44,000 |
| Columbia County Georgia | 2 | $ 129,000 | $ 64,000 | $ 99,000 |
| Fayette County Georgia | 2 | $ 230,000 | $ 115,000 | $ 111,000 |
| Gilmer County Georgia | 2 | $ 466,000 | $ 233,000 | $ 57,000 |
| Rabun County Georgia | 2 | $ 525,000 | $ 262,000 | $ 29,000 |
| Stephens County Georgia | 2 | $ 142,000 | $ 71,000 | $ 64,000 |
| White County Georgia | 2 | $ 128,000 | $ 64,000 | $ 18,000 |
| Ada County Idaho | 2 | $ 242,000 | $ 121,000 | $ 0 |
| LaSalle County Illinois | 2 | $ 283,000 | $ 141,000 | $ 0 |
| Lake County Indiana | 2 | $ 113,000 | $ 56,000 | $ 68,000 |
| Scott County Kentucky | 2 | $ 284,000 | $ 142,000 | $ 0 |
| Anne Arundel County Maryland | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Baltimore County Maryland | 2 | $ 502,000 | $ 251,000 | $ 0 |
| Hillsborough County New Hampshire | 2 | $ 309,000 | $ 154,000 | $ 47,000 |
| Bergen County New Jersey | 2 | $ 438,000 | $ 219,000 | $ 186,000 |
| Mercer County New Jersey | 2 | $ 245,000 | $ 122,000 | $ 130,000 |
| Passaic County New Jersey | 2 | $ 257,000 | $ 128,000 | $ 0 |
| Bernalillo County New Mexico | 2 | $ 204,000 | $ 102,000 | $ 0 |
| Haywood County North Carolina | 2 | $ 166,000 | $ 83,000 | $ 0 |
| Cuyahoga County Ohio | 2 | $ 60,000 | $ 30,000 | $ 41,000 |
| Oklahoma County Oklahoma | 2 | $ 345,000 | $ 172,000 | $ 0 |
| Tulsa County Oklahoma | 2 | $ 183,000 | $ 91,000 | $ 76,000 |
| Washington County Oregon | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Montgomery County Pennsylvania | 2 | $ 1,063,000 | $ 531,000 | $ 0 |
| Horry County South Carolina | 2 | $ 317,000 | $ 158,000 | $ 0 |
| Loudoun County Virginia | 2 | $ 521,000 | $ 260,000 | $ 0 |
| Waynesboro County Virginia | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Washington County Wisconsin | 2 | $ 271,000 | $ 135,000 | $ 127,000 |
| Marshall County Alabama | 1 | $ 79,000 | $ 79,000 | $ 58,000 |
| Pinal County Arizona | 1 | $ 308,000 | $ 308,000 | $ 152,000 |
| Alameda County California | 1 | $ 800,000 | $ 800,000 | $ 300,000 |
| Monterey County California | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Plumas County California | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Tuolumne County California | 1 | $ 378,000 | $ 378,000 | $ 96,000 |
| New Castle County Delaware | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Alachua County Florida | 1 | $ 212,000 | $ 212,000 | $ 55,000 |
| Bay County Florida | 1 | $ 360,000 | $ 360,000 | $ 180,000 |
| Escambia County Florida | 1 | $ 324,000 | $ 324,000 | $ 228,000 |
| Lee County Florida | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Osceola County Florida | 1 | $ 42,000 | $ 42,000 | $ 300,000 |
| Pinellas County Florida | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Santa Rosa County Florida | 1 | $ 125,000 | $ 125,000 | $ 244,000 |
| St. Lucie County Florida | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Volusia County Florida | 1 | $ 108,000 | $ 108,000 | $ 12,000 |
| Coweta County Georgia | 1 | $ 47,000 | $ 47,000 | $ 185,000 |
| Fannin County Georgia | 1 | $ 767,000 | $ 767,000 | $ 0 |
| Habersham County Georgia | 1 | $ 200,000 | $ 200,000 | $ 120,000 |
| Hancock County Georgia | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Haralson County Georgia | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Lumpkin County Georgia | 1 | $ 252,000 | $ 252,000 | $ 82,000 |
| Muscogee County Georgia | 1 | $ 60,000 | $ 60,000 | $ 165,000 |
| Towns County Georgia | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Troup County Georgia | 1 | $ 125,000 | $ 125,000 | $ 18,000 |
| Warren County Georgia | 1 | $ 53,000 | $ 53,000 | $ 55,000 |
| Kane County Illinois | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Monroe County Indiana | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Orleans County Louisiana | 1 | $ 280,000 | $ 280,000 | $ 140,000 |
| Montgomery County Maryland | 1 | $ 360,000 | $ 360,000 | $ 88,000 |
| Plymouth County Massachusetts | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Worcester County Massachusetts | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Harrison County Mississippi | 1 | $ 185,000 | $ 185,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Stillwater County Montana | 1 | $ 176,000 | $ 176,000 | $ 138,000 |
| Clark County Nevada | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Kings County New York | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Avery County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 94,000 |
| Caldwell County North Carolina | 1 | $ 151,000 | $ 151,000 | $ 46,000 |
| Clackamas County Oregon | 1 | $ 428,000 | $ 428,000 | $ 0 |
| Jackson County Oregon | 1 | $ 199,000 | $ 199,000 | $ 90,000 |
| Allegheny County Pennsylvania | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Franklin County Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Pike County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 240,000 |
| Susquehanna County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Colleton County South Carolina | 1 | $ 394,000 | $ 394,000 | $ 141,000 |
| Greenville County South Carolina | 1 | $ 162,000 | $ 162,000 | $ 43,000 |
| Jasper County South Carolina | 1 | $ 330,000 | $ 330,000 | $ 220,000 |
| Knox County Tennessee | 1 | $ 146,000 | $ 146,000 | $ 54,000 |
| Coryell County Texas | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Tarrant County Texas | 1 | $ 477,000 | $ 477,000 | $ 185,000 |
| Fairfax County Virginia | 1 | $ 329,000 | $ 329,000 | $ 153,000 |
| James City County Virginia | 1 | $ 384,000 | $ 384,000 | $ 163,000 |
| Pierce County Washington | 1 | $ 359,000 | $ 359,000 | $ 0 |
| Waukesha County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Main Street 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 |
|---|---|---|---|---|---|---|
| Refinancing | 704 | $122,574,000 | $279,142 | $2,000,000 | $36,809 | $1,171,000 |
| Home Purchase | 393 | $66,807,000 | $166,241 | $2,300,000 | $47,586 | $1,171,000 |
| Home Improvement | 14 | $968,000 | $69,000 | $194,000 | $141,000 | $892,000 |
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 | 700 | $102,121,000 | $188,333 | $1,245,000 | $49,041 | $892,000 |
| Not Provided | 190 | $50,147,000 | $291,080 | $2,000,000 | $39,640 | $1,171,000 |
| Black or African American | 115 | $13,653,000 | $127,800 | $750,000 | $41,000 | $439,000 |
| Not applicable | 68 | $18,459,000 | $216,000 | $2,300,000 | $0 | $0 |
| Asian | 14 | $2,222,000 | $237,000 | $329,000 | $129,000 | $284,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $1,917,000 | $133,000 | $298,000 | $71,000 | $114,000 |
| Hispanic | 9 | $942,000 | $116,000 | $220,000 | $58,500 | $91,000 |
| American Indian or Alaskan Native | 3 | $888,000 | $223,500 | $756,000 | $11,000 | $22,000 |
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) | 1,096 | $188,325,000 | $218,055 | $2,300,000 | $40,805 | $1,171,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,521,000 | $126,000 | $187,000 | $36,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 2 | $300,000 | $150,000 | $178,000 | $42,000 | $50,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $203,000 | $203,000 | $203,000 | $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 | 930 | $147,951,000 | $194,281 | $2,300,000 | $44,437 | $892,000 |
| Application Withdrawn By Applicant | 82 | $22,083,000 | $355,600 | $2,000,000 | $39,900 | $364,000 |
| Application Denied By Financial Institution | 71 | $11,736,000 | $148,125 | $1,350,000 | $62,250 | $551,000 |
| Application Approved But Not Accepted | 28 | $8,579,000 | $324,000 | $2,000,000 | $105,500 | $1,171,000 |
| 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 | 10 | $1,525,000 | $186,500 | $270,000 | $32,000 | $101,000 |
| Credit History | 8 | $1,008,000 | $126,000 | $260,000 | $79,000 | $141,000 |
| Unverifiable Information | 4 | $565,000 | $155,500 | $220,000 | $145,500 | $439,000 |
| Other | 3 | $190,000 | $63,000 | $108,000 | $101,000 | $178,000 |
| Debt-To-Income Ratio | 2 | $350,000 | $175,000 | $252,000 | $301,000 | $551,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Main Street 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 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.