Meridias Capital Incorporated
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Meridias Capital Incorporated 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 | Meridias Capital Incorporated P.O. Box 241429 Charlotte, NC 28273 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2006 2005 |
| Total Number of Mortgage Applications | 10,947 |
| Total Mortgage Loan Application Amount | $1,911,052,000 |
| Average Mortgage Loan Application Amount | $183,862 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $109,775 |
| Highest Applicant Income | $3,293,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Meridias Capital Incorporated. 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 Meridias Capital Incorporated's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Meridias Capital Incorporated'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 Meridias Capital Incorporated serves its applicants.
Each category highlights the total number of mortgage applications processed by Meridias Capital Incorporated, 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 Meridias Capital Incorporated'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 |
|---|---|---|---|---|
| Clark County Nevada | 6,222 | $ 1,153,123,000 | $ 185,000 | $ 93,000 |
| Maricopa County Arizona | 610 | $ 98,596,000 | $ 161,000 | $ 102,000 |
| Salt Lake County Utah | 488 | $ 65,093,000 | $ 133,000 | $ 84,000 |
| Summit County Utah | 380 | $ 95,827,000 | $ 252,000 | $ 159,000 |
| Tarrant County Texas | 246 | $ 25,639,000 | $ 104,000 | $ 74,000 |
| Dallas County Texas | 244 | $ 28,614,000 | $ 117,000 | $ 94,000 |
| Collin County Texas | 172 | $ 21,698,000 | $ 126,000 | $ 80,000 |
| Denton County Texas | 172 | $ 20,463,000 | $ 118,000 | $ 111,000 |
| Los Angeles County California | 122 | $ 44,190,000 | $ 362,000 | $ 205,000 |
| Pinal County Arizona | 111 | $ 13,358,000 | $ 120,000 | $ 111,000 |
| Utah County Utah | 111 | $ 16,979,000 | $ 152,000 | $ 249,000 |
| St. Tammany County Louisiana | 104 | $ 9,213,000 | $ 88,000 | $ 71,000 |
| Oklahoma County Oklahoma | 92 | $ 8,590,000 | $ 93,000 | $ 70,000 |
| Davis County Utah | 85 | $ 10,577,000 | $ 124,000 | $ 59,000 |
| Tulsa County Oklahoma | 77 | $ 7,676,000 | $ 99,000 | $ 59,000 |
| Cleveland County Oklahoma | 76 | $ 8,182,000 | $ 107,000 | $ 81,000 |
| Anchorage County Alaska | 48 | $ 7,826,000 | $ 163,000 | $ 77,000 |
| Wasatch County Utah | 47 | $ 9,992,000 | $ 212,000 | $ 144,000 |
| Mohave County Arizona | 44 | $ 4,880,000 | $ 110,000 | $ 155,000 |
| San Bernardino County California | 43 | $ 6,977,000 | $ 162,000 | $ 187,000 |
| Orange County California | 39 | $ 17,663,000 | $ 452,000 | $ 376,000 |
| Weber County Utah | 38 | $ 3,889,000 | $ 102,000 | $ 64,000 |
| Sonoma County California | 36 | $ 11,232,000 | $ 312,000 | $ 143,000 |
| Cache County Utah | 34 | $ 3,399,000 | $ 99,000 | $ 89,000 |
| Washoe County Nevada | 33 | $ 6,696,000 | $ 202,000 | $ 153,000 |
| Washington County Utah | 33 | $ 5,441,000 | $ 164,000 | $ 87,000 |
| San Diego County California | 32 | $ 8,806,000 | $ 275,000 | $ 112,000 |
| El Paso County Colorado | 30 | $ 4,766,000 | $ 158,000 | $ 210,000 |
| Bernalillo County New Mexico | 28 | $ 2,640,000 | $ 94,000 | $ 106,000 |
| Canadian County Oklahoma | 28 | $ 2,470,000 | $ 88,000 | $ 64,000 |
| Riverside County California | 26 | $ 9,237,000 | $ 355,000 | $ 150,000 |
| Williamson County Texas | 26 | $ 1,725,000 | $ 66,000 | $ 131,000 |
| Kern County California | 25 | $ 4,563,000 | $ 182,000 | $ 66,000 |
| Travis County Texas | 24 | $ 4,510,000 | $ 187,000 | $ 352,000 |
| Rockwall County Texas | 22 | $ 3,018,000 | $ 137,000 | $ 141,000 |
| Harris County Texas | 21 | $ 1,808,000 | $ 86,000 | $ 113,000 |
| Fulton County Georgia | 20 | $ 2,823,000 | $ 141,000 | $ 125,000 |
| Bexar County Texas | 20 | $ 1,937,000 | $ 96,000 | $ 141,000 |
| Pima County Arizona | 19 | $ 3,044,000 | $ 160,000 | $ 89,000 |
| Iron County Utah | 17 | $ 1,850,000 | $ 108,000 | $ 136,000 |
| Ada County Idaho | 16 | $ 1,851,000 | $ 115,000 | $ 145,000 |
| Canyon County Idaho | 16 | $ 1,107,000 | $ 69,000 | $ 73,000 |
| Ventura County California | 15 | $ 5,610,000 | $ 374,000 | $ 181,000 |
| Box Elder County Utah | 15 | $ 1,428,000 | $ 95,000 | $ 47,000 |
| Tooele County Utah | 15 | $ 1,347,000 | $ 89,000 | $ 61,000 |
| Nye County Nevada | 14 | $ 2,269,000 | $ 162,000 | $ 70,000 |
| San Joaquin County California | 13 | $ 3,458,000 | $ 266,000 | $ 133,000 |
| Pueblo County Colorado | 12 | $ 841,000 | $ 70,000 | $ 21,000 |
| Yavapai County Arizona | 10 | $ 1,426,000 | $ 142,000 | $ 79,000 |
| Alameda County California | 10 | $ 4,426,000 | $ 442,000 | $ 148,000 |
| Contra Costa County California | 10 | $ 3,337,000 | $ 333,000 | $ 171,000 |
| Sacramento County California | 10 | $ 2,606,000 | $ 260,000 | $ 142,000 |
| Summit County Colorado | 10 | $ 4,163,000 | $ 416,000 | $ 252,000 |
| McClain County Oklahoma | 10 | $ 895,000 | $ 89,000 | $ 81,000 |
| Deschutes County Oregon | 10 | $ 1,876,000 | $ 187,000 | $ 150,000 |
| Tulare County California | 9 | $ 1,571,000 | $ 174,000 | $ 59,000 |
| Fresno County California | 8 | $ 1,698,000 | $ 212,000 | $ 98,000 |
| Solano County California | 8 | $ 1,914,000 | $ 239,000 | $ 144,000 |
| Jefferson County Louisiana | 8 | $ 577,000 | $ 72,000 | $ 74,000 |
| El Paso County Texas | 8 | $ 645,000 | $ 80,000 | $ 0 |
| Fort Bend County Texas | 8 | $ 704,000 | $ 88,000 | $ 36,000 |
| Henderson County Texas | 8 | $ 880,000 | $ 110,000 | $ 0 |
| Parker County Texas | 8 | $ 724,000 | $ 90,000 | $ 38,000 |
| Cochise County Arizona | 7 | $ 1,027,000 | $ 146,000 | $ 76,000 |
| Denver County Colorado | 7 | $ 1,074,000 | $ 153,000 | $ 97,000 |
| Grady County Oklahoma | 7 | $ 501,000 | $ 71,000 | $ 54,000 |
| Rogers County Oklahoma | 7 | $ 655,000 | $ 93,000 | $ 19,000 |
| Ellis County Texas | 7 | $ 601,000 | $ 85,000 | $ 64,000 |
| Garfield County Utah | 7 | $ 1,160,000 | $ 165,000 | $ 261,000 |
| Santa Cruz County Arizona | 6 | $ 327,000 | $ 54,000 | $ 149,000 |
| Santa Clara County California | 6 | $ 2,263,000 | $ 377,000 | $ 160,000 |
| Tuolumne County California | 6 | $ 1,023,000 | $ 170,000 | $ 78,000 |
| Archuleta County Colorado | 6 | $ 1,265,000 | $ 210,000 | $ 207,000 |
| Jefferson County Colorado | 6 | $ 629,000 | $ 104,000 | $ 78,000 |
| Weld County Colorado | 6 | $ 629,000 | $ 104,000 | $ 53,000 |
| Broward County Florida | 6 | $ 1,197,000 | $ 199,000 | $ 297,000 |
| Orange County Florida | 6 | $ 846,000 | $ 141,000 | $ 168,000 |
| Gwinnett County Georgia | 6 | $ 545,000 | $ 90,000 | $ 73,000 |
| Elko County Nevada | 6 | $ 635,000 | $ 105,000 | $ 96,000 |
| Sandoval County New Mexico | 6 | $ 804,000 | $ 134,000 | $ 142,000 |
| Wagoner County Oklahoma | 6 | $ 471,000 | $ 78,000 | $ 27,000 |
| Washington County Oregon | 6 | $ 784,000 | $ 130,000 | $ 83,000 |
| Bell County Texas | 6 | $ 424,000 | $ 70,000 | $ 27,000 |
| Guadalupe County Texas | 6 | $ 423,000 | $ 70,000 | $ 22,000 |
| Montgomery County Texas | 6 | $ 428,000 | $ 71,000 | $ 94,000 |
| Kane County Utah | 6 | $ 1,133,000 | $ 188,000 | $ 215,000 |
| Coconino County Arizona | 5 | $ 1,040,000 | $ 208,000 | $ 50,000 |
| Yuma County Arizona | 5 | $ 734,000 | $ 146,000 | $ 41,000 |
| San Francisco County California | 5 | $ 1,658,000 | $ 331,000 | $ 82,000 |
| Douglas County Colorado | 5 | $ 1,242,000 | $ 248,000 | $ 172,000 |
| Larimer County Colorado | 5 | $ 386,000 | $ 77,000 | $ 45,000 |
| Mesa County Colorado | 5 | $ 897,000 | $ 179,000 | $ 131,000 |
| Orleans County Louisiana | 5 | $ 365,000 | $ 73,000 | $ 144,000 |
| Clackamas County Oregon | 5 | $ 774,000 | $ 154,000 | $ 113,000 |
| Smith County Texas | 5 | $ 365,000 | $ 73,000 | $ 105,000 |
| Santa Barbara County California | 4 | $ 3,430,000 | $ 857,000 | $ 379,000 |
| Duval County Florida | 4 | $ 282,000 | $ 70,000 | $ 72,000 |
| Palm Beach County Florida | 4 | $ 1,136,000 | $ 284,000 | $ 121,000 |
| Cobb County Georgia | 4 | $ 244,000 | $ 61,000 | $ 94,000 |
| DeKalb County Georgia | 4 | $ 448,000 | $ 112,000 | $ 111,000 |
| Fayette County Georgia | 4 | $ 712,000 | $ 178,000 | $ 221,000 |
| Maui County Hawaii | 4 | $ 3,414,000 | $ 853,000 | $ 377,000 |
| Lyon County Nevada | 4 | $ 620,000 | $ 155,000 | $ 89,000 |
| Jackson County Oregon | 4 | $ 739,000 | $ 184,000 | $ 68,000 |
| Multnomah County Oregon | 4 | $ 515,000 | $ 128,000 | $ 91,000 |
| Franklin County Texas | 4 | $ 561,000 | $ 140,000 | $ 692,000 |
| Galveston County Texas | 4 | $ 240,000 | $ 60,000 | $ 46,000 |
| Nueces County Texas | 4 | $ 721,000 | $ 180,000 | $ 175,000 |
| Kodiak Island County Alaska | 3 | $ 413,000 | $ 137,000 | $ 43,000 |
| Placer County California | 3 | $ 784,000 | $ 261,000 | $ 263,000 |
| San Mateo County California | 3 | $ 1,006,000 | $ 335,000 | $ 91,000 |
| Adams County Colorado | 3 | $ 359,000 | $ 119,000 | $ 85,000 |
| Hillsborough County Florida | 3 | $ 239,000 | $ 79,000 | $ 28,000 |
| Miami-Dade County Florida | 3 | $ 1,393,000 | $ 464,000 | $ 71,000 |
| Pinellas County Florida | 3 | $ 779,000 | $ 259,000 | $ 34,000 |
| Seminole County Florida | 3 | $ 986,000 | $ 328,000 | $ 240,000 |
| St. Charles County Missouri | 3 | $ 461,000 | $ 153,000 | $ 89,000 |
| Powell County Montana | 3 | $ 297,000 | $ 99,000 | $ 105,000 |
| Caddo County Oklahoma | 3 | $ 290,000 | $ 96,000 | $ 66,000 |
| Logan County Oklahoma | 3 | $ 328,000 | $ 109,000 | $ 61,000 |
| Grayson County Texas | 3 | $ 321,000 | $ 107,000 | $ 30,000 |
| Kaufman County Texas | 3 | $ 308,000 | $ 102,000 | $ 51,000 |
| Duchesne County Utah | 3 | $ 197,000 | $ 65,000 | $ 46,000 |
| Sanpete County Utah | 3 | $ 211,000 | $ 70,000 | $ 12,000 |
| Clark County Washington | 3 | $ 429,000 | $ 143,000 | $ 22,000 |
| Matanuska-Susitna County Alaska | 2 | $ 283,000 | $ 141,000 | $ 82,000 |
| Apache County Arizona | 2 | $ 75,000 | $ 37,000 | $ 108,000 |
| Graham County Arizona | 2 | $ 246,000 | $ 123,000 | $ 44,000 |
| Humboldt County California | 2 | $ 245,000 | $ 122,000 | $ 48,000 |
| Lake County California | 2 | $ 644,000 | $ 322,000 | $ 77,000 |
| Madera County California | 2 | $ 431,000 | $ 215,000 | $ 198,000 |
| Merced County California | 2 | $ 282,000 | $ 141,000 | $ 84,000 |
| Monterey County California | 2 | $ 790,000 | $ 395,000 | $ 110,000 |
| Yolo County California | 2 | $ 180,000 | $ 90,000 | $ 27,000 |
| Arapahoe County Colorado | 2 | $ 436,000 | $ 218,000 | $ 35,000 |
| Boulder County Colorado | 2 | $ 405,000 | $ 202,000 | $ 119,000 |
| Gunnison County Colorado | 2 | $ 293,000 | $ 146,000 | $ 247,000 |
| Escambia County Florida | 2 | $ 141,000 | $ 70,000 | $ 66,000 |
| Martin County Florida | 2 | $ 206,000 | $ 103,000 | $ 72,000 |
| Okaloosa County Florida | 2 | $ 450,000 | $ 225,000 | $ 418,000 |
| Putnam County Florida | 2 | $ 145,000 | $ 72,000 | $ 0 |
| Barrow County Georgia | 2 | $ 173,000 | $ 86,000 | $ 89,000 |
| Bartow County Georgia | 2 | $ 130,000 | $ 65,000 | $ 60,000 |
| Lumpkin County Georgia | 2 | $ 234,000 | $ 117,000 | $ 70,000 |
| Hawaii County Hawaii | 2 | $ 225,000 | $ 112,000 | $ 168,000 |
| Honolulu County Hawaii | 2 | $ 640,000 | $ 320,000 | $ 104,000 |
| Boise County Idaho | 2 | $ 208,000 | $ 104,000 | $ 180,000 |
| Bonneville County Idaho | 2 | $ 190,000 | $ 95,000 | $ 50,000 |
| Marion County Indiana | 2 | $ 570,000 | $ 285,000 | $ 494,000 |
| Johnson County Kansas | 2 | $ 252,000 | $ 126,000 | $ 0 |
| Calcasieu County Louisiana | 2 | $ 145,000 | $ 72,000 | $ 68,000 |
| East Baton Rouge County Louisiana | 2 | $ 430,000 | $ 215,000 | $ 270,000 |
| Cass County Missouri | 2 | $ 255,000 | $ 127,000 | $ 84,000 |
| McKinley County New Mexico | 2 | $ 265,000 | $ 132,000 | $ 61,000 |
| San Juan County New Mexico | 2 | $ 277,000 | $ 138,000 | $ 73,000 |
| Comanche County Oklahoma | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Creek County Oklahoma | 2 | $ 148,000 | $ 74,000 | $ 75,000 |
| Custer County Oklahoma | 2 | $ 189,000 | $ 94,000 | $ 78,000 |
| Delaware County Oklahoma | 2 | $ 736,000 | $ 368,000 | $ 300,000 |
| Garvin County Oklahoma | 2 | $ 80,000 | $ 40,000 | $ 120,000 |
| Muskogee County Oklahoma | 2 | $ 241,000 | $ 120,000 | $ 0 |
| Pottawatomie County Oklahoma | 2 | $ 350,000 | $ 175,000 | $ 198,000 |
| Woodward County Oklahoma | 2 | $ 77,000 | $ 38,000 | $ 78,000 |
| Lane County Oregon | 2 | $ 215,000 | $ 107,000 | $ 111,000 |
| Umatilla County Oregon | 2 | $ 250,000 | $ 125,000 | $ 37,000 |
| Yamhill County Oregon | 2 | $ 447,000 | $ 223,000 | $ 187,000 |
| Providence County Rhode Island | 2 | $ 342,000 | $ 171,000 | $ 68,000 |
| Horry County South Carolina | 2 | $ 109,000 | $ 54,000 | $ 114,000 |
| Shelby County Tennessee | 2 | $ 247,000 | $ 123,000 | $ 138,000 |
| Williamson County Tennessee | 2 | $ 173,000 | $ 86,000 | $ 62,000 |
| Cameron County Texas | 2 | $ 359,000 | $ 179,000 | $ 216,000 |
| Comal County Texas | 2 | $ 265,000 | $ 132,000 | $ 276,000 |
| Nacogdoches County Texas | 2 | $ 92,000 | $ 46,000 | $ 54,000 |
| Wise County Texas | 2 | $ 158,000 | $ 79,000 | $ 65,000 |
| Wood County Texas | 2 | $ 120,000 | $ 60,000 | $ 63,000 |
| Millard County Utah | 2 | $ 125,000 | $ 62,000 | $ 0 |
| Sevier County Utah | 2 | $ 99,000 | $ 49,000 | $ 72,000 |
| Yakima County Washington | 2 | $ 106,000 | $ 53,000 | $ 86,000 |
| Jefferson County Wisconsin | 2 | $ 149,000 | $ 74,000 | $ 46,000 |
| Sheridan County Wyoming | 2 | $ 727,000 | $ 363,000 | $ 600,000 |
| Gila County Arizona | 1 | $ 261,000 | $ 261,000 | $ 94,000 |
| Navajo County Arizona | 1 | $ 199,000 | $ 199,000 | $ 204,000 |
| Washington County Arkansas | 1 | $ 200,000 | $ 200,000 | $ 88,000 |
| El Dorado County California | 1 | $ 279,000 | $ 279,000 | $ 31,000 |
| Napa County California | 1 | $ 250,000 | $ 250,000 | $ 47,000 |
| San Benito County California | 1 | $ 610,000 | $ 610,000 | $ 173,000 |
| San Luis Obispo County California | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Shasta County California | 1 | $ 222,000 | $ 222,000 | $ 90,000 |
| Stanislaus County California | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| Brevard County Florida | 1 | $ 150,000 | $ 150,000 | $ 102,000 |
| Clay County Florida | 1 | $ 77,000 | $ 77,000 | $ 31,000 |
| Indian River County Florida | 1 | $ 180,000 | $ 180,000 | $ 79,000 |
| Lee County Florida | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Manatee County Florida | 1 | $ 499,000 | $ 499,000 | $ 156,000 |
| Troup County Georgia | 1 | $ 127,000 | $ 127,000 | $ 54,000 |
| Kauai County Hawaii | 1 | $ 320,000 | $ 320,000 | $ 65,000 |
| Bossier County Louisiana | 1 | $ 106,000 | $ 106,000 | $ 24,000 |
| Caddo County Louisiana | 1 | $ 86,000 | $ 86,000 | $ 34,000 |
| Frederick County Maryland | 1 | $ 281,000 | $ 281,000 | $ 55,000 |
| Livingston County Michigan | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
| St. Louis County Missouri | 1 | $ 179,000 | $ 179,000 | $ 45,000 |
| Fergus County Montana | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Missoula County Montana | 1 | $ 290,000 | $ 290,000 | $ 73,000 |
| Storey County Nevada | 1 | $ 250,000 | $ 250,000 | $ 158,000 |
| Dona Ana County New Mexico | 1 | $ 364,000 | $ 364,000 | $ 156,000 |
| Rio Arriba County New Mexico | 1 | $ 187,000 | $ 187,000 | $ 77,000 |
| Valencia County New Mexico | 1 | $ 154,000 | $ 154,000 | $ 70,000 |
| Carter County Oklahoma | 1 | $ 48,000 | $ 48,000 | $ 19,000 |
| Cherokee County Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Marshall County Oklahoma | 1 | $ 43,000 | $ 43,000 | $ 82,000 |
| Coos County Oregon | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Hill County Texas | 1 | $ 50,000 | $ 50,000 | $ 59,000 |
| Hunt County Texas | 1 | $ 192,000 | $ 192,000 | $ 168,000 |
| Jefferson County Texas | 1 | $ 153,000 | $ 153,000 | $ 105,000 |
| Johnson County Texas | 1 | $ 87,000 | $ 87,000 | $ 35,000 |
| Palo Pinto County Texas | 1 | $ 72,000 | $ 72,000 | $ 80,000 |
| Prince William County Virginia | 1 | $ 393,000 | $ 393,000 | $ 27,000 |
| Kitsap County Washington | 1 | $ 275,000 | $ 275,000 | $ 102,000 |
| Pierce County Washington | 1 | $ 240,000 | $ 240,000 | $ 85,000 |
| San Juan County Washington | 1 | $ 314,000 | $ 314,000 | $ 0 |
| Spokane County Washington | 1 | $ 175,000 | $ 175,000 | $ 133,000 |
| Park County Wyoming | 1 | $ 104,000 | $ 104,000 | $ 50,000 |
| Teton County Wyoming | 1 | $ 377,000 | $ 377,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Meridias Capital Incorporated 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 7,745 | $1,235,416,000 | $177,200 | $2,730,000 | $139,880 | $3,293,000 |
| Refinancing | 3,145 | $663,561,000 | $181,708 | $4,000,000 | $77,708 | $2,400,000 |
| Home Improvement | 57 | $12,075,000 | $208,111 | $741,000 | $111,666 | $888,000 |
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 | 7,297 | $1,290,718,000 | $170,033 | $4,000,000 | $106,666 | $3,293,000 |
| Not Provided | 1,629 | $295,702,000 | $177,266 | $1,650,000 | $123,933 | $2,280,000 |
| Hispanic | 955 | $149,501,000 | $132,285 | $1,150,000 | $104,500 | $888,000 |
| Asian | 558 | $95,960,000 | $157,416 | $800,000 | $107,916 | $540,000 |
| Black or African American | 334 | $46,430,000 | $151,846 | $960,000 | $78,923 | $480,000 |
| Native Hawaiian or Other Pacific Islander | 133 | $24,716,000 | $249,285 | $2,438,000 | $152,142 | $938,000 |
| American Indian or Alaskan Native | 41 | $8,025,000 | $202,833 | $980,000 | $108,166 | $384,000 |
| Not applicable | 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) | 10,923 | $1,908,244,000 | $183,100 | $4,000,000 | $115,633 | $3,293,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,808,000 | $157,500 | $269,000 | $67,750 | $124,000 |
| 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 | 10,149 | $1,770,913,000 | $184,966 | $4,000,000 | $112,666 | $3,293,000 |
| Application Approved But Not Accepted | 484 | $86,051,000 | $173,400 | $2,730,000 | $133,733 | $2,334,000 |
| File Closed For Incompleteness | 196 | $30,906,000 | $154,363 | $1,095,000 | $100,636 | $720,000 |
| Application Denied By Financial Institution | 118 | $23,182,000 | $175,416 | $1,190,000 | $152,083 | $2,400,000 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| Credit History | 42 | $7,454,000 | $185,000 | $1,000,000 | $171,333 | $2,400,000 |
| Collateral | 27 | $7,276,000 | $205,142 | $1,190,000 | $100,285 | $540,000 |
| Debt-To-Income Ratio | 19 | $2,550,000 | $110,400 | $372,000 | $88,400 | $198,000 |
| Other | 18 | $3,294,000 | $174,875 | $499,000 | $159,750 | $504,000 |
| Employment History | 5 | $929,000 | $181,000 | $346,000 | $84,500 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,148,000 | $304,000 | $960,000 | $256,000 | $480,000 |
| Unverifiable Information | 2 | $280,000 | $140,000 | $150,000 | $401,500 | $528,000 |
| Credit Application Incomplete | 2 | $251,000 | $125,500 | $200,000 | $30,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Meridias Capital Incorporated'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 Meridias Capital Incorporated'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.