Main Street Bank Mortgage Lending & HMDA Data, 2005
In 2005, Main Street Bank of Wilson, NC reported 1,111 mortgage applications totaling $190.3 million, down 25% from 2004. The average application was for $171,331, and applicants reported an average income of $76,942. 84% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (703), Athens-Clarke County, GA (139) and Gainesville, GA (13) (applications in parentheses).
| 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 | $171,331 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $76,942 |
| Highest Applicant Income | $1,171,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Main Street Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Newton, Georgia | 181 | $ 20,202,000 | $ 111,613 | $ 60,000 |
| Clarke, Georgia | 86 | $ 11,862,000 | $ 137,930 | $ 80,000 |
| Fulton, Georgia | 83 | $ 28,327,000 | $ 341,289 | $ 185,000 |
| Walton, Georgia | 81 | $ 8,417,000 | $ 103,913 | $ 48,000 |
| Barrow, Georgia | 57 | $ 5,960,000 | $ 104,561 | $ 87,000 |
| DeKalb, Georgia | 50 | $ 7,824,000 | $ 156,480 | $ 64,000 |
| Gwinnett, Georgia | 45 | $ 7,068,000 | $ 157,066 | $ 80,000 |
| Cobb, Georgia | 43 | $ 9,826,000 | $ 228,511 | $ 114,000 |
| Rockdale, Georgia | 42 | $ 4,399,000 | $ 104,738 | $ 67,000 |
| Forsyth, Georgia | 37 | $ 8,971,000 | $ 242,459 | $ 79,000 |
| Oconee, Georgia | 31 | $ 4,535,000 | $ 146,290 | $ 83,000 |
| Jackson, Georgia | 25 | $ 2,052,000 | $ 82,080 | $ 53,000 |
| Jasper, Georgia | 21 | $ 2,323,000 | $ 110,619 | $ 45,000 |
| Los Angeles, California | 13 | $ 3,524,000 | $ 271,076 | $ 68,000 |
| Hall, Georgia | 13 | $ 4,272,000 | $ 328,615 | $ 174,000 |
| Cherokee, Georgia | 12 | $ 2,125,000 | $ 177,083 | $ 66,000 |
| Dawson, Georgia | 12 | $ 2,021,000 | $ 168,416 | $ 48,000 |
| Henry, Georgia | 12 | $ 2,254,000 | $ 187,833 | $ 52,000 |
| Madison, Georgia | 11 | $ 872,000 | $ 79,272 | $ 71,000 |
| Morgan, Georgia | 11 | $ 1,731,000 | $ 157,363 | $ 25,000 |
| Oglethorpe, Georgia | 11 | $ 1,371,000 | $ 124,636 | $ 55,000 |
| Maricopa, Arizona | 10 | $ 2,369,000 | $ 236,900 | $ 0 |
| Baldwin, Georgia | 8 | $ 1,461,000 | $ 182,625 | $ 66,000 |
| Hart, Georgia | 6 | $ 744,000 | $ 124,000 | $ 134,000 |
| Paulding, Georgia | 6 | $ 871,000 | $ 145,166 | $ 68,000 |
| Putnam, Georgia | 6 | $ 1,115,000 | $ 185,833 | $ 139,000 |
| Carroll, Georgia | 5 | $ 380,000 | $ 76,000 | $ 35,000 |
| Clayton, Georgia | 5 | $ 445,000 | $ 89,000 | $ 104,000 |
| Greene, Georgia | 5 | $ 1,636,000 | $ 327,200 | $ 111,000 |
| Orange, California | 4 | $ 1,567,000 | $ 391,750 | $ 0 |
| Elbert, Georgia | 4 | $ 421,000 | $ 105,250 | $ 64,000 |
| Franklin, Georgia | 4 | $ 698,000 | $ 174,500 | $ 102,000 |
| Spalding, Georgia | 4 | $ 300,000 | $ 75,000 | $ 23,000 |
| Cook, Illinois | 4 | $ 1,128,000 | $ 282,000 | $ 72,000 |
| Prince William, Virginia | 4 | $ 1,175,000 | $ 293,750 | $ 0 |
| Riverside, California | 3 | $ 684,000 | $ 228,000 | $ 75,000 |
| Monroe, Georgia | 3 | $ 225,000 | $ 75,000 | $ 111,000 |
| Pickens, Georgia | 3 | $ 230,000 | $ 76,666 | $ 194,000 |
| Sussex, New Jersey | 3 | $ 1,048,000 | $ 349,333 | $ 0 |
| Mecklenburg, North Carolina | 3 | $ 278,000 | $ 92,666 | $ 29,000 |
| Lee, Alabama | 2 | $ 156,000 | $ 78,000 | $ 0 |
| Shelby, Alabama | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Pima, Arizona | 2 | $ 176,000 | $ 88,000 | $ 0 |
| Pulaski, Arkansas | 2 | $ 2,400,000 | $ 1,200,000 | $ 0 |
| Contra Costa, California | 2 | $ 1,650,000 | $ 825,000 | $ 0 |
| San Diego, California | 2 | $ 560,000 | $ 280,000 | $ 0 |
| El Paso, Colorado | 2 | $ 275,000 | $ 137,500 | $ 82,000 |
| New London, Connecticut | 2 | $ 122,000 | $ 61,000 | $ 0 |
| Sussex, Delaware | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Brevard, Florida | 2 | $ 686,000 | $ 343,000 | $ 370,000 |
| Broward, Florida | 2 | $ 383,000 | $ 191,500 | $ 0 |
| Charlotte, Florida | 2 | $ 265,000 | $ 132,500 | $ 0 |
| Orange, Florida | 2 | $ 850,000 | $ 425,000 | $ 0 |
| Sarasota, Florida | 2 | $ 415,000 | $ 207,500 | $ 0 |
| Seminole, Florida | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Bibb, Georgia | 2 | $ 423,000 | $ 211,500 | $ 44,000 |
| Columbia, Georgia | 2 | $ 129,000 | $ 64,500 | $ 99,000 |
| Fayette, Georgia | 2 | $ 230,000 | $ 115,000 | $ 111,000 |
| Gilmer, Georgia | 2 | $ 466,000 | $ 233,000 | $ 57,000 |
| Rabun, Georgia | 2 | $ 525,000 | $ 262,500 | $ 29,000 |
| Stephens, Georgia | 2 | $ 142,000 | $ 71,000 | $ 64,000 |
| White, Georgia | 2 | $ 128,000 | $ 64,000 | $ 18,000 |
| Ada, Idaho | 2 | $ 242,000 | $ 121,000 | $ 0 |
| LaSalle, Illinois | 2 | $ 283,000 | $ 141,500 | $ 0 |
| Lake, Indiana | 2 | $ 113,000 | $ 56,500 | $ 68,000 |
| Scott, Kentucky | 2 | $ 284,000 | $ 142,000 | $ 0 |
| Anne Arundel, Maryland | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Baltimore, Maryland | 2 | $ 502,000 | $ 251,000 | $ 0 |
| Hillsborough, New Hampshire | 2 | $ 309,000 | $ 154,500 | $ 47,000 |
| Bergen, New Jersey | 2 | $ 438,000 | $ 219,000 | $ 186,000 |
| Mercer, New Jersey | 2 | $ 245,000 | $ 122,500 | $ 130,000 |
| Passaic, New Jersey | 2 | $ 257,000 | $ 128,500 | $ 0 |
| Bernalillo, New Mexico | 2 | $ 204,000 | $ 102,000 | $ 0 |
| Haywood, North Carolina | 2 | $ 166,000 | $ 83,000 | $ 0 |
| Cuyahoga, Ohio | 2 | $ 60,000 | $ 30,000 | $ 41,000 |
| Oklahoma, Oklahoma | 2 | $ 345,000 | $ 172,500 | $ 0 |
| Tulsa, Oklahoma | 2 | $ 183,000 | $ 91,500 | $ 76,000 |
| Washington, Oregon | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Montgomery, Pennsylvania | 2 | $ 1,063,000 | $ 531,500 | $ 0 |
| Horry, South Carolina | 2 | $ 317,000 | $ 158,500 | $ 0 |
| Loudoun, Virginia | 2 | $ 521,000 | $ 260,500 | $ 0 |
| Waynesboro, Virginia | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Washington, Wisconsin | 2 | $ 271,000 | $ 135,500 | $ 127,000 |
| Marshall, Alabama | 1 | $ 79,000 | $ 79,000 | $ 58,000 |
| Pinal, Arizona | 1 | $ 308,000 | $ 308,000 | $ 152,000 |
| Alameda, California | 1 | $ 800,000 | $ 800,000 | $ 300,000 |
| Monterey, California | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Plumas, California | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Tuolumne, California | 1 | $ 378,000 | $ 378,000 | $ 96,000 |
| New Castle, Delaware | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Alachua, Florida | 1 | $ 212,000 | $ 212,000 | $ 55,000 |
| Bay, Florida | 1 | $ 360,000 | $ 360,000 | $ 180,000 |
| Escambia, Florida | 1 | $ 324,000 | $ 324,000 | $ 228,000 |
| Lee, Florida | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Osceola, Florida | 1 | $ 42,000 | $ 42,000 | $ 300,000 |
| Pinellas, Florida | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Santa Rosa, Florida | 1 | $ 125,000 | $ 125,000 | $ 244,000 |
| St. Lucie, Florida | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Volusia, Florida | 1 | $ 108,000 | $ 108,000 | $ 12,000 |
| Coweta, Georgia | 1 | $ 47,000 | $ 47,000 | $ 185,000 |
| Fannin, Georgia | 1 | $ 767,000 | $ 767,000 | $ 0 |
| Habersham, Georgia | 1 | $ 200,000 | $ 200,000 | $ 120,000 |
| Hancock, Georgia | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Haralson, Georgia | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Lumpkin, Georgia | 1 | $ 252,000 | $ 252,000 | $ 82,000 |
| Muscogee, Georgia | 1 | $ 60,000 | $ 60,000 | $ 165,000 |
| Towns, Georgia | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Troup, Georgia | 1 | $ 125,000 | $ 125,000 | $ 18,000 |
| Warren, Georgia | 1 | $ 53,000 | $ 53,000 | $ 55,000 |
| Kane, Illinois | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Monroe, Indiana | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Orleans, Louisiana | 1 | $ 280,000 | $ 280,000 | $ 140,000 |
| Montgomery, Maryland | 1 | $ 360,000 | $ 360,000 | $ 88,000 |
| Plymouth, Massachusetts | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Worcester, Massachusetts | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Harrison, Mississippi | 1 | $ 185,000 | $ 185,000 | $ 0 |
| St. Louis, Missouri | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Stillwater, Montana | 1 | $ 176,000 | $ 176,000 | $ 138,000 |
| Clark, Nevada | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Kings, New York | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Avery, North Carolina | 1 | $ 152,000 | $ 152,000 | $ 94,000 |
| Caldwell, North Carolina | 1 | $ 151,000 | $ 151,000 | $ 46,000 |
| Clackamas, Oregon | 1 | $ 428,000 | $ 428,000 | $ 0 |
| Jackson, Oregon | 1 | $ 199,000 | $ 199,000 | $ 90,000 |
| Allegheny, Pennsylvania | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Franklin, Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Pike, Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 240,000 |
| Susquehanna, Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Colleton, South Carolina | 1 | $ 394,000 | $ 394,000 | $ 141,000 |
| Greenville, South Carolina | 1 | $ 162,000 | $ 162,000 | $ 43,000 |
| Jasper, South Carolina | 1 | $ 330,000 | $ 330,000 | $ 220,000 |
| Knox, Tennessee | 1 | $ 146,000 | $ 146,000 | $ 54,000 |
| Coryell, Texas | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Tarrant, Texas | 1 | $ 477,000 | $ 477,000 | $ 185,000 |
| Fairfax, Virginia | 1 | $ 329,000 | $ 329,000 | $ 153,000 |
| James City, Virginia | 1 | $ 384,000 | $ 384,000 | $ 163,000 |
| Pierce, Washington | 1 | $ 359,000 | $ 359,000 | $ 0 |
| Waukesha, 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.
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