Main Street Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Main Street Bank 2006 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 | 316 |
| Total Mortgage Loan Application Amount | $54,359,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $5,900,000 |
| Average Applicant Income | $60,666 |
| Highest Applicant Income | $469,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 56 | $ 5,119,000 | $ 91,000 | $ 56,000 |
| Walton County Georgia | 33 | $ 3,661,000 | $ 110,000 | $ 42,000 |
| Clarke County Georgia | 26 | $ 3,426,000 | $ 131,000 | $ 92,000 |
| Fulton County Georgia | 14 | $ 5,438,000 | $ 388,000 | $ 75,000 |
| Gwinnett County Georgia | 13 | $ 3,408,000 | $ 262,000 | $ 70,000 |
| Rockdale County Georgia | 13 | $ 1,475,000 | $ 113,000 | $ 59,000 |
| Barrow County Georgia | 12 | $ 805,000 | $ 67,000 | $ 37,000 |
| DeKalb County Georgia | 12 | $ 4,344,000 | $ 362,000 | $ 76,000 |
| Cobb County Georgia | 9 | $ 7,268,000 | $ 807,000 | $ 84,000 |
| Jackson County Georgia | 8 | $ 438,000 | $ 54,000 | $ 137,000 |
| Jasper County Georgia | 8 | $ 400,000 | $ 50,000 | $ 121,000 |
| Forsyth County Georgia | 7 | $ 1,050,000 | $ 150,000 | $ 73,000 |
| Oconee County Georgia | 5 | $ 593,000 | $ 118,000 | $ 47,000 |
| Putnam County Georgia | 5 | $ 290,000 | $ 58,000 | $ 64,000 |
| Middlesex County Massachusetts | 4 | $ 684,000 | $ 171,000 | $ 0 |
| Bucks County Pennsylvania | 4 | $ 452,000 | $ 113,000 | $ 16,000 |
| Delaware County Pennsylvania | 4 | $ 522,000 | $ 130,000 | $ 96,000 |
| Los Angeles County California | 3 | $ 876,000 | $ 292,000 | $ 38,000 |
| Cherokee County Georgia | 3 | $ 463,000 | $ 154,000 | $ 81,000 |
| Dawson County Georgia | 3 | $ 434,000 | $ 144,000 | $ 67,000 |
| Hall County Georgia | 3 | $ 444,000 | $ 148,000 | $ 72,000 |
| Pickens County Georgia | 3 | $ 400,000 | $ 133,000 | $ 163,000 |
| Rabun County Georgia | 3 | $ 548,000 | $ 182,000 | $ 64,000 |
| Orange County California | 2 | $ 501,000 | $ 250,000 | $ 0 |
| San Joaquin County California | 2 | $ 493,000 | $ 246,000 | $ 0 |
| El Paso County Colorado | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Santa Rosa County Florida | 2 | $ 176,000 | $ 88,000 | $ 325,000 |
| Fayette County Georgia | 2 | $ 334,000 | $ 167,000 | $ 149,000 |
| Franklin County Georgia | 2 | $ 233,000 | $ 116,000 | $ 104,000 |
| Henry County Georgia | 2 | $ 324,000 | $ 162,000 | $ 74,000 |
| Madison County Georgia | 2 | $ 119,000 | $ 59,000 | $ 243,000 |
| Oglethorpe County Georgia | 2 | $ 324,000 | $ 162,000 | $ 56,000 |
| Twin Falls County Idaho | 2 | $ 189,000 | $ 94,000 | $ 0 |
| McHenry County Illinois | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Will County Illinois | 2 | $ 284,000 | $ 142,000 | $ 0 |
| Lancaster County Nebraska | 2 | $ 177,000 | $ 88,000 | $ 0 |
| Passaic County New Jersey | 2 | $ 225,000 | $ 112,000 | $ 0 |
| Orange County New York | 2 | $ 556,000 | $ 278,000 | $ 0 |
| Pamlico County North Carolina | 2 | $ 455,000 | $ 227,000 | $ 180,000 |
| Chester County Pennsylvania | 2 | $ 420,000 | $ 210,000 | $ 118,000 |
| Dallas County Texas | 2 | $ 70,000 | $ 35,000 | $ 74,000 |
| Spokane County Washington | 2 | $ 708,000 | $ 354,000 | $ 28,000 |
| Milwaukee County Wisconsin | 2 | $ 347,000 | $ 173,000 | $ 0 |
| Contra Costa County California | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Saguache County Colorado | 1 | $ 137,000 | $ 137,000 | $ 89,000 |
| Bay County Florida | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Marion County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 370,000 | $ 370,000 | $ 130,000 |
| Sarasota County Florida | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Butts County Georgia | 1 | $ 126,000 | $ 126,000 | $ 89,000 |
| Elbert County Georgia | 1 | $ 255,000 | $ 255,000 | $ 66,000 |
| Floyd County Georgia | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Gilmer County Georgia | 1 | $ 157,000 | $ 157,000 | $ 115,000 |
| Greene County Georgia | 1 | $ 89,000 | $ 89,000 | $ 42,000 |
| Murray County Georgia | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Paulding County Georgia | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| Union County Georgia | 1 | $ 91,000 | $ 91,000 | $ 44,000 |
| Wilkes County Georgia | 1 | $ 234,000 | $ 234,000 | $ 121,000 |
| Knox County Maine | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Essex County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Ocean County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Rutherford County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 135,000 |
| Surry County North Carolina | 1 | $ 62,000 | $ 62,000 | $ 52,000 |
| Mercer County Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 52,000 |
| Beaufort County South Carolina | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Virginia Beach County Virginia | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Waynesboro County Virginia | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Brown County Wisconsin | 1 | $ 108,000 | $ 108,000 | $ 0 |
Mortgage Loan Application Detail Totals for Main Street Bank in 2006
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 | 211 | $37,140,000 | $176,000 | $5,900,000 | $66,000 | $469,000 |
| Home Purchase | 93 | $16,939,000 | $182,000 | $2,400,000 | $64,000 | $434,000 |
| Home Improvement | 12 | $280,000 | $23,000 | $83,000 | $52,000 | $172,000 |
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 | 205 | $30,698,000 | $149,000 | $2,400,000 | $75,000 | $469,000 |
| Not Provided | 51 | $7,423,000 | $145,000 | $530,000 | $56,000 | $281,000 |
| Black or African American | 28 | $3,717,000 | $132,000 | $520,000 | $54,000 | $148,000 |
| Not applicable | 23 | $11,178,000 | $486,000 | $5,900,000 | $0 | $0 |
| Asian | 9 | $1,343,000 | $149,000 | $234,000 | $83,000 | $204,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 315 | $54,156,000 | $171,000 | $5,900,000 | $65,000 | $469,000 |
| FHA-insured (Federal Housing Administration) | 1 | $203,000 | $203,000 | $203,000 | $143,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 265 | $45,433,000 | $171,000 | $5,900,000 | $63,000 | $469,000 |
| Application Approved But Not Accepted | 25 | $4,901,000 | $196,000 | $620,000 | $85,000 | $241,000 |
| Application Denied By Financial Institution | 15 | $2,570,000 | $171,000 | $388,000 | $70,000 | $146,000 |
| Application Withdrawn By Applicant | 9 | $1,005,000 | $111,000 | $360,000 | $59,000 | $129,000 |
| File Closed For Incompleteness | 2 | $450,000 | $225,000 | $370,000 | $89,000 | $130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $542,000 | $271,000 | $370,000 | $111,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $376,000 | $376,000 | $376,000 | $129,000 | $129,000 |
| Credit History | 1 | $167,000 | $167,000 | $167,000 | $91,000 | $91,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2006 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.