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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| LAS VEGAS-PARADISE, NV | 6,195 | $ 1,148,265,000 | $ 185,000 | $ 90,000 |
| SALT LAKE CITY, UT | 883 | $ 162,267,000 | $ 183,000 | $ 105,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 721 | $ 111,954,000 | $ 155,000 | $ 104,000 |
| DALLAS-PLANO-IRVING, TX | 621 | $ 74,894,000 | $ 120,000 | $ 98,000 |
| FORT WORTH-ARLINGTON, TX | 257 | $ 26,608,000 | $ 103,000 | $ 68,000 |
| OKLAHOMA CITY, OK | 216 | $ 20,966,000 | $ 97,000 | $ 71,000 |
| OGDEN-CLEARFIELD, UT | 123 | $ 14,466,000 | $ 117,000 | $ 61,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 122 | $ 44,190,000 | $ 362,000 | $ 205,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 117 | $ 10,155,000 | $ 86,000 | $ 82,000 |
| PROVO-OREM, UT | 111 | $ 16,979,000 | $ 152,000 | $ 249,000 |
| TULSA, OK | 92 | $ 8,950,000 | $ 97,000 | $ 50,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 69 | $ 16,214,000 | $ 234,000 | $ 171,000 |
| ANCHORAGE, AK | 50 | $ 8,109,000 | $ 162,000 | $ 78,000 |
| AUSTIN-ROUND ROCK, TX | 50 | $ 6,235,000 | $ 124,000 | $ 278,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 42 | $ 5,075,000 | $ 120,000 | $ 102,000 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 39 | $ 3,180,000 | $ 81,000 | $ 68,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 39 | $ 17,663,000 | $ 452,000 | $ 376,000 |
| SANTA ROSA-PETALUMA, CA | 36 | $ 11,232,000 | $ 312,000 | $ 143,000 |
| ALBUQUERQUE, NM | 35 | $ 3,598,000 | $ 102,000 | $ 111,000 |
| BOISE CITY-NAMPA, ID | 34 | $ 3,166,000 | $ 93,000 | $ 127,000 |
| LOGAN, UT-ID | 34 | $ 3,399,000 | $ 99,000 | $ 89,000 |
| RENO-SPARKS, NV | 34 | $ 6,946,000 | $ 204,000 | $ 153,000 |
| ST. GEORGE, UT | 33 | $ 5,441,000 | $ 164,000 | $ 87,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 32 | $ 8,806,000 | $ 275,000 | $ 112,000 |
| COLORADO SPRINGS, CO | 30 | $ 4,766,000 | $ 158,000 | $ 210,000 |
| SAN ANTONIO, TX | 28 | $ 2,625,000 | $ 93,000 | $ 133,000 |
| BAKERSFIELD, CA | 25 | $ 4,563,000 | $ 182,000 | $ 66,000 |
| DENVER-AURORA, CO | 23 | $ 3,740,000 | $ 162,000 | $ 100,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 20 | $ 7,763,000 | $ 388,000 | $ 158,000 |
| TUCSON, AZ | 19 | $ 3,044,000 | $ 160,000 | $ 89,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 17 | $ 2,520,000 | $ 148,000 | $ 105,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 16 | $ 3,849,000 | $ 240,000 | $ 157,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 15 | $ 5,610,000 | $ 374,000 | $ 181,000 |
| STOCKTON, CA | 13 | $ 3,458,000 | $ 266,000 | $ 133,000 |
| PUEBLO, CO | 12 | $ 841,000 | $ 70,000 | $ 21,000 |
| BEND, OR | 10 | $ 1,876,000 | $ 187,000 | $ 150,000 |
| PRESCOTT, AZ | 10 | $ 1,426,000 | $ 142,000 | $ 79,000 |
| ORLANDO, FL | 9 | $ 1,832,000 | $ 203,000 | $ 192,000 |
| VISALIA-PORTERVILLE, CA | 9 | $ 1,571,000 | $ 174,000 | $ 59,000 |
| EL PASO, TX | 8 | $ 645,000 | $ 80,000 | $ 0 |
| FRESNO, CA | 8 | $ 1,698,000 | $ 212,000 | $ 98,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 8 | $ 2,664,000 | $ 333,000 | $ 86,000 |
| VALLEJO-FAIRFIELD, CA | 8 | $ 1,914,000 | $ 239,000 | $ 144,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 7 | $ 2,873,000 | $ 410,000 | $ 162,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 6 | $ 1,197,000 | $ 199,000 | $ 297,000 |
| GREELEY, CO | 6 | $ 629,000 | $ 104,000 | $ 53,000 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 6 | $ 424,000 | $ 70,000 | $ 27,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 6 | $ 1,018,000 | $ 169,000 | $ 31,000 |
| FLAGSTAFF, AZ | 5 | $ 1,040,000 | $ 208,000 | $ 50,000 |
| FORT COLLINS-LOVELAND, CO | 5 | $ 386,000 | $ 77,000 | $ 45,000 |
| GRAND JUNCTION, CO | 5 | $ 897,000 | $ 179,000 | $ 131,000 |
| JACKSONVILLE, FL | 5 | $ 359,000 | $ 71,000 | $ 51,000 |
| TYLER, TX | 5 | $ 365,000 | $ 73,000 | $ 105,000 |
| YUMA, AZ | 5 | $ 734,000 | $ 146,000 | $ 41,000 |
| MEDFORD, OR | 4 | $ 739,000 | $ 184,000 | $ 68,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 4 | $ 3,430,000 | $ 857,000 | $ 379,000 |
| ST. LOUIS, MO-IL | 4 | $ 640,000 | $ 160,000 | $ 74,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 4 | $ 1,136,000 | $ 284,000 | $ 121,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 3 | $ 1,393,000 | $ 464,000 | $ 71,000 |
| SHERMAN-DENISON, TX | 3 | $ 321,000 | $ 107,000 | $ 30,000 |
| BATON ROUGE, LA | 2 | $ 430,000 | $ 215,000 | $ 270,000 |
| BOULDER, CO | 2 | $ 405,000 | $ 202,000 | $ 119,000 |
| BROWNSVILLE-HARLINGEN, TX | 2 | $ 359,000 | $ 179,000 | $ 216,000 |
| CORPUS CHRISTI, TX | 2 | $ 410,000 | $ 205,000 | $ 179,000 |
| EUGENE-SPRINGFIELD, OR | 2 | $ 215,000 | $ 107,000 | $ 111,000 |
| FARMINGTON, NM | 2 | $ 277,000 | $ 138,000 | $ 73,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 2 | $ 450,000 | $ 225,000 | $ 418,000 |
| HONOLULU, HI | 2 | $ 640,000 | $ 320,000 | $ 104,000 |
| IDAHO FALLS, ID | 2 | $ 190,000 | $ 95,000 | $ 50,000 |
| INDIANAPOLIS, IN | 2 | $ 570,000 | $ 285,000 | $ 494,000 |
| KANSAS CITY, MO-KS | 2 | $ 255,000 | $ 127,000 | $ 84,000 |
| LAKE CHARLES, LA | 2 | $ 145,000 | $ 72,000 | $ 68,000 |
| LAWTON, OK | 2 | $ 144,000 | $ 72,000 | $ 0 |
| MADERA, CA | 2 | $ 431,000 | $ 215,000 | $ 198,000 |
| MEMPHIS, TN-MS-AR | 2 | $ 247,000 | $ 123,000 | $ 138,000 |
| MERCED, CA | 2 | $ 282,000 | $ 141,000 | $ 84,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 2 | $ 109,000 | $ 54,000 | $ 114,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 2 | $ 141,000 | $ 70,000 | $ 66,000 |
| PORT ST. LUCIE-FORT PIERCE, FL | 2 | $ 206,000 | $ 103,000 | $ 72,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 2 | $ 342,000 | $ 171,000 | $ 68,000 |
| SALINAS, CA | 2 | $ 790,000 | $ 395,000 | $ 110,000 |
| SHREVEPORT-BOSSIER CITY, LA | 2 | $ 192,000 | $ 96,000 | $ 29,000 |
| YAKIMA, WA | 2 | $ 106,000 | $ 53,000 | $ 86,000 |
| BEAUMONT-PORT ARTHUR, TX | 1 | $ 153,000 | $ 153,000 | $ 105,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 1 | $ 281,000 | $ 281,000 | $ 55,000 |
| BREMERTON-SILVERDALE, WA | 1 | $ 275,000 | $ 275,000 | $ 102,000 |
| CAPE CORAL-FORT MYERS, FL | 1 | $ 315,000 | $ 315,000 | $ 0 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 1 | $ 200,000 | $ 200,000 | $ 88,000 |
| LAS CRUCES, NM | 1 | $ 364,000 | $ 364,000 | $ 156,000 |
| MISSOULA, MT | 1 | $ 290,000 | $ 290,000 | $ 73,000 |
| MODESTO, CA | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| NAPA, CA | 1 | $ 250,000 | $ 250,000 | $ 47,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 1 | $ 150,000 | $ 150,000 | $ 102,000 |
| REDDING, CA | 1 | $ 222,000 | $ 222,000 | $ 90,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| SARASOTA-BRADENTON-VENICE, FL | 1 | $ 499,000 | $ 499,000 | $ 156,000 |
| SPOKANE, WA | 1 | $ 175,000 | $ 175,000 | $ 133,000 |
| TACOMA, WA | 1 | $ 240,000 | $ 240,000 | $ 85,000 |
| VERO BEACH, FL | 1 | $ 180,000 | $ 180,000 | $ 79,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
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.