Midcarolinabank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Midcarolinabank 2004 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 | Midcarolinabank 3101 S. Church Street Burlington, NC 27215 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 931 |
| Total Mortgage Loan Application Amount | $157,192,000 |
| Average Mortgage Loan Application Amount | $157,071 |
| Highest Mortgage Loan Application Amount | $10,500,000 |
| Average Applicant Income | $60,428 |
| Highest Applicant Income | $919,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Midcarolinabank. 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 Midcarolinabank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Midcarolinabank'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 Midcarolinabank serves its applicants.
Each category highlights the total number of mortgage applications processed by Midcarolinabank, 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 Midcarolinabank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Alamance County North Carolina | 99 | $ 11,489,000 | $ 116,000 | $ 52,000 |
| Wake County North Carolina | 56 | $ 8,598,000 | $ 153,000 | $ 58,000 |
| Mecklenburg County North Carolina | 42 | $ 7,957,000 | $ 189,000 | $ 108,000 |
| Guilford County North Carolina | 38 | $ 9,490,000 | $ 249,000 | $ 69,000 |
| Fulton County Georgia | 20 | $ 3,946,000 | $ 197,000 | $ 79,000 |
| Cobb County Georgia | 19 | $ 3,558,000 | $ 187,000 | $ 64,000 |
| Gwinnett County Georgia | 19 | $ 2,714,000 | $ 142,000 | $ 70,000 |
| Fairfax County Virginia | 18 | $ 5,168,000 | $ 287,000 | $ 111,000 |
| Horry County South Carolina | 14 | $ 2,158,000 | $ 154,000 | $ 71,000 |
| Miami-Dade County Florida | 13 | $ 2,268,000 | $ 174,000 | $ 85,000 |
| Durham County North Carolina | 13 | $ 1,981,000 | $ 152,000 | $ 92,000 |
| Forsyth County North Carolina | 12 | $ 11,660,000 | $ 971,000 | $ 59,000 |
| Chesterfield County Virginia | 12 | $ 1,651,000 | $ 137,000 | $ 50,000 |
| Orange County Florida | 11 | $ 1,466,000 | $ 133,000 | $ 66,000 |
| Greenville County South Carolina | 11 | $ 1,435,000 | $ 130,000 | $ 72,000 |
| Prince William County Virginia | 11 | $ 2,667,000 | $ 242,000 | $ 98,000 |
| Palm Beach County Florida | 10 | $ 1,710,000 | $ 171,000 | $ 58,000 |
| Hillsborough County Florida | 9 | $ 1,231,000 | $ 136,000 | $ 58,000 |
| Cabarrus County North Carolina | 9 | $ 1,685,000 | $ 187,000 | $ 82,000 |
| New Hanover County North Carolina | 9 | $ 1,903,000 | $ 211,000 | $ 86,000 |
| Broward County Florida | 8 | $ 1,531,000 | $ 191,000 | $ 89,000 |
| Henry County Georgia | 8 | $ 1,254,000 | $ 156,000 | $ 82,000 |
| Oakland County Michigan | 8 | $ 1,501,000 | $ 187,000 | $ 111,000 |
| Berkeley County South Carolina | 8 | $ 1,176,000 | $ 147,000 | $ 60,000 |
| Richland County South Carolina | 8 | $ 999,000 | $ 124,000 | $ 62,000 |
| York County South Carolina | 8 | $ 991,000 | $ 123,000 | $ 64,000 |
| Macomb County Michigan | 7 | $ 1,169,000 | $ 167,000 | $ 77,000 |
| Cumberland County North Carolina | 7 | $ 824,000 | $ 117,000 | $ 22,000 |
| Charleston County South Carolina | 7 | $ 1,009,000 | $ 144,000 | $ 45,000 |
| Leon County Florida | 6 | $ 733,000 | $ 122,000 | $ 58,000 |
| DeKalb County Georgia | 6 | $ 1,150,000 | $ 191,000 | $ 57,000 |
| Kent County Michigan | 6 | $ 962,000 | $ 160,000 | $ 59,000 |
| Wayne County Michigan | 6 | $ 840,000 | $ 140,000 | $ 61,000 |
| Buncombe County North Carolina | 6 | $ 866,000 | $ 144,000 | $ 65,000 |
| Gaston County North Carolina | 6 | $ 754,000 | $ 125,000 | $ 51,000 |
| Randolph County North Carolina | 6 | $ 544,000 | $ 90,000 | $ 52,000 |
| Union County North Carolina | 6 | $ 1,225,000 | $ 204,000 | $ 95,000 |
| Lexington County South Carolina | 6 | $ 967,000 | $ 161,000 | $ 71,000 |
| Chesapeake County Virginia | 6 | $ 1,395,000 | $ 232,000 | $ 91,000 |
| Stafford County Virginia | 6 | $ 1,395,000 | $ 232,000 | $ 113,000 |
| Brevard County Florida | 5 | $ 769,000 | $ 153,000 | $ 63,000 |
| Duval County Florida | 5 | $ 988,000 | $ 197,000 | $ 73,000 |
| Lee County Florida | 5 | $ 1,024,000 | $ 204,000 | $ 94,000 |
| Polk County Florida | 5 | $ 439,000 | $ 87,000 | $ 73,000 |
| Cherokee County Georgia | 5 | $ 595,000 | $ 119,000 | $ 51,000 |
| Forsyth County Georgia | 5 | $ 1,497,000 | $ 299,000 | $ 113,000 |
| Iredell County North Carolina | 5 | $ 655,000 | $ 131,000 | $ 56,000 |
| Johnston County North Carolina | 5 | $ 744,000 | $ 148,000 | $ 61,000 |
| Onslow County North Carolina | 5 | $ 1,410,000 | $ 282,000 | $ 77,000 |
| Indian River County Florida | 4 | $ 840,000 | $ 210,000 | $ 89,000 |
| Sarasota County Florida | 4 | $ 524,000 | $ 131,000 | $ 71,000 |
| Barrow County Georgia | 4 | $ 396,000 | $ 99,000 | $ 54,000 |
| Clayton County Georgia | 4 | $ 433,000 | $ 108,000 | $ 67,000 |
| Fayette County Georgia | 4 | $ 626,000 | $ 156,000 | $ 89,000 |
| Orange County North Carolina | 4 | $ 567,000 | $ 141,000 | $ 58,000 |
| Frederick County Virginia | 4 | $ 737,000 | $ 184,000 | $ 63,000 |
| Loudoun County Virginia | 4 | $ 1,268,000 | $ 317,000 | $ 111,000 |
| Roanoke County Virginia | 4 | $ 418,000 | $ 104,000 | $ 69,000 |
| Spotsylvania County Virginia | 4 | $ 561,000 | $ 140,000 | $ 44,000 |
| Virginia Beach County Virginia | 4 | $ 581,000 | $ 145,000 | $ 76,000 |
| Alachua County Florida | 3 | $ 255,000 | $ 85,000 | $ 49,000 |
| Clay County Florida | 3 | $ 403,000 | $ 134,000 | $ 55,000 |
| Pasco County Florida | 3 | $ 375,000 | $ 125,000 | $ 55,000 |
| Volusia County Florida | 3 | $ 480,000 | $ 160,000 | $ 55,000 |
| Carroll County Georgia | 3 | $ 255,000 | $ 85,000 | $ 72,000 |
| Columbia County Georgia | 3 | $ 273,000 | $ 91,000 | $ 58,000 |
| Glynn County Georgia | 3 | $ 475,000 | $ 158,000 | $ 76,000 |
| Spalding County Georgia | 3 | $ 440,000 | $ 146,000 | $ 84,000 |
| Genesee County Michigan | 3 | $ 388,000 | $ 129,000 | $ 75,000 |
| Ionia County Michigan | 3 | $ 730,000 | $ 243,000 | $ 93,000 |
| Brunswick County North Carolina | 3 | $ 320,000 | $ 106,000 | $ 80,000 |
| Carteret County North Carolina | 3 | $ 720,000 | $ 240,000 | $ 43,000 |
| Caswell County North Carolina | 3 | $ 180,000 | $ 60,000 | $ 93,000 |
| Dare County North Carolina | 3 | $ 1,240,000 | $ 413,000 | $ 147,000 |
| Franklin County North Carolina | 3 | $ 323,000 | $ 107,000 | $ 47,000 |
| Lincoln County North Carolina | 3 | $ 375,000 | $ 125,000 | $ 57,000 |
| Pasquotank County North Carolina | 3 | $ 315,000 | $ 105,000 | $ 48,000 |
| Rowan County North Carolina | 3 | $ 398,000 | $ 132,000 | $ 55,000 |
| Dorchester County South Carolina | 3 | $ 432,000 | $ 144,000 | $ 68,000 |
| Spartanburg County South Carolina | 3 | $ 407,000 | $ 135,000 | $ 50,000 |
| Hanover County Virginia | 3 | $ 437,000 | $ 145,000 | $ 71,000 |
| Newport News County Virginia | 3 | $ 254,000 | $ 84,000 | $ 35,000 |
| Escambia County Florida | 2 | $ 242,000 | $ 121,000 | $ 82,000 |
| Marion County Florida | 2 | $ 233,000 | $ 116,000 | $ 80,000 |
| Osceola County Florida | 2 | $ 336,000 | $ 168,000 | $ 41,000 |
| Pinellas County Florida | 2 | $ 303,000 | $ 151,000 | $ 85,000 |
| Santa Rosa County Florida | 2 | $ 221,000 | $ 110,000 | $ 28,000 |
| Seminole County Florida | 2 | $ 192,000 | $ 96,000 | $ 58,000 |
| St. Lucie County Florida | 2 | $ 308,000 | $ 154,000 | $ 75,000 |
| Coweta County Georgia | 2 | $ 183,000 | $ 91,000 | $ 62,000 |
| Douglas County Georgia | 2 | $ 257,000 | $ 128,000 | $ 45,000 |
| Hall County Georgia | 2 | $ 328,000 | $ 164,000 | $ 88,000 |
| Muscogee County Georgia | 2 | $ 212,000 | $ 106,000 | $ 50,000 |
| Newton County Georgia | 2 | $ 354,000 | $ 177,000 | $ 30,000 |
| Rockdale County Georgia | 2 | $ 406,000 | $ 203,000 | $ 19,000 |
| Walton County Georgia | 2 | $ 340,000 | $ 170,000 | $ 82,000 |
| White County Georgia | 2 | $ 273,000 | $ 136,000 | $ 62,000 |
| Cass County Michigan | 2 | $ 237,000 | $ 118,000 | $ 103,000 |
| Chippewa County Michigan | 2 | $ 263,000 | $ 131,000 | $ 47,000 |
| Grand Traverse County Michigan | 2 | $ 371,000 | $ 185,000 | $ 67,000 |
| Jackson County Michigan | 2 | $ 234,000 | $ 117,000 | $ 71,000 |
| Muskegon County Michigan | 2 | $ 284,000 | $ 142,000 | $ 56,000 |
| Newaygo County Michigan | 2 | $ 149,000 | $ 74,000 | $ 56,000 |
| Oceana County Michigan | 2 | $ 165,000 | $ 82,000 | $ 29,000 |
| St. Clair County Michigan | 2 | $ 232,000 | $ 116,000 | $ 75,000 |
| Washtenaw County Michigan | 2 | $ 271,000 | $ 135,000 | $ 62,000 |
| Caldwell County North Carolina | 2 | $ 193,000 | $ 96,000 | $ 38,000 |
| Catawba County North Carolina | 2 | $ 250,000 | $ 125,000 | $ 45,000 |
| Chatham County North Carolina | 2 | $ 175,000 | $ 87,000 | $ 105,000 |
| Cleveland County North Carolina | 2 | $ 163,000 | $ 81,000 | $ 28,000 |
| Haywood County North Carolina | 2 | $ 273,000 | $ 136,000 | $ 10,000 |
| Henderson County North Carolina | 2 | $ 551,000 | $ 275,000 | $ 88,000 |
| Lee County North Carolina | 2 | $ 248,000 | $ 124,000 | $ 38,000 |
| Lenoir County North Carolina | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Martin County North Carolina | 2 | $ 218,000 | $ 109,000 | $ 58,000 |
| Moore County North Carolina | 2 | $ 230,000 | $ 115,000 | $ 47,000 |
| Pitt County North Carolina | 2 | $ 218,000 | $ 109,000 | $ 93,000 |
| Rockingham County North Carolina | 2 | $ 150,000 | $ 75,000 | $ 65,000 |
| Wilson County North Carolina | 2 | $ 446,000 | $ 223,000 | $ 59,000 |
| Aiken County South Carolina | 2 | $ 229,000 | $ 114,000 | $ 55,000 |
| Anderson County South Carolina | 2 | $ 315,000 | $ 157,000 | $ 61,000 |
| Greenwood County South Carolina | 2 | $ 183,000 | $ 91,000 | $ 63,000 |
| Arlington County Virginia | 2 | $ 378,000 | $ 189,000 | $ 74,000 |
| Henrico County Virginia | 2 | $ 297,000 | $ 148,000 | $ 45,000 |
| Henry County Virginia | 2 | $ 198,000 | $ 99,000 | $ 49,000 |
| Mecklenburg County Virginia | 2 | $ 154,000 | $ 77,000 | $ 61,000 |
| Norfolk County Virginia | 2 | $ 213,000 | $ 106,000 | $ 62,000 |
| Page County Virginia | 2 | $ 281,000 | $ 140,000 | $ 56,000 |
| Portsmouth County Virginia | 2 | $ 183,000 | $ 91,000 | $ 49,000 |
| Bay County Florida | 1 | $ 76,000 | $ 76,000 | $ 68,000 |
| Collier County Florida | 1 | $ 77,000 | $ 77,000 | $ 66,000 |
| Hernando County Florida | 1 | $ 86,000 | $ 86,000 | $ 34,000 |
| Madison County Florida | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Manatee County Florida | 1 | $ 190,000 | $ 190,000 | $ 74,000 |
| Martin County Florida | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Okaloosa County Florida | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| Baldwin County Georgia | 1 | $ 133,000 | $ 133,000 | $ 35,000 |
| Bibb County Georgia | 1 | $ 468,000 | $ 468,000 | $ 184,000 |
| Camden County Georgia | 1 | $ 63,000 | $ 63,000 | $ 65,000 |
| Chatham County Georgia | 1 | $ 166,000 | $ 166,000 | $ 70,000 |
| Elbert County Georgia | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Floyd County Georgia | 1 | $ 89,000 | $ 89,000 | $ 38,000 |
| Gordon County Georgia | 1 | $ 82,000 | $ 82,000 | $ 79,000 |
| Greene County Georgia | 1 | $ 208,000 | $ 208,000 | $ 74,000 |
| Houston County Georgia | 1 | $ 100,000 | $ 100,000 | $ 128,000 |
| Jackson County Georgia | 1 | $ 132,000 | $ 132,000 | $ 48,000 |
| Jasper County Georgia | 1 | $ 124,000 | $ 124,000 | $ 36,000 |
| Lumpkin County Georgia | 1 | $ 92,000 | $ 92,000 | $ 54,000 |
| Paulding County Georgia | 1 | $ 102,000 | $ 102,000 | $ 90,000 |
| Peach County Georgia | 1 | $ 116,000 | $ 116,000 | $ 34,000 |
| Pickens County Georgia | 1 | $ 134,000 | $ 134,000 | $ 120,000 |
| Pike County Georgia | 1 | $ 80,000 | $ 80,000 | $ 35,000 |
| Pulaski County Georgia | 1 | $ 103,000 | $ 103,000 | $ 48,000 |
| Quitman County Georgia | 1 | $ 76,000 | $ 76,000 | $ 33,000 |
| Richmond County Georgia | 1 | $ 85,000 | $ 85,000 | $ 111,000 |
| Schley County Georgia | 1 | $ 80,000 | $ 80,000 | $ 80,000 |
| Tift County Georgia | 1 | $ 147,000 | $ 147,000 | $ 26,000 |
| Alpena County Michigan | 1 | $ 138,000 | $ 138,000 | $ 48,000 |
| Barry County Michigan | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Bay County Michigan | 1 | $ 80,000 | $ 80,000 | $ 70,000 |
| Eaton County Michigan | 1 | $ 80,000 | $ 80,000 | $ 60,000 |
| Ingham County Michigan | 1 | $ 256,000 | $ 256,000 | $ 96,000 |
| Kalkaska County Michigan | 1 | $ 126,000 | $ 126,000 | $ 78,000 |
| Livingston County Michigan | 1 | $ 106,000 | $ 106,000 | $ 61,000 |
| Mackinac County Michigan | 1 | $ 91,000 | $ 91,000 | $ 45,000 |
| Marquette County Michigan | 1 | $ 84,000 | $ 84,000 | $ 48,000 |
| Monroe County Michigan | 1 | $ 98,000 | $ 98,000 | $ 55,000 |
| Montmorency County Michigan | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Shiawassee County Michigan | 1 | $ 173,000 | $ 173,000 | $ 61,000 |
| Van Buren County Michigan | 1 | $ 240,000 | $ 240,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Alleghany County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Craven County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 46,000 |
| Davidson County North Carolina | 1 | $ 176,000 | $ 176,000 | $ 50,000 |
| Davie County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Granville County North Carolina | 1 | $ 260,000 | $ 260,000 | $ 95,000 |
| Halifax County North Carolina | 1 | $ 87,000 | $ 87,000 | $ 51,000 |
| Harnett County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 60,000 |
| Hoke County North Carolina | 1 | $ 57,000 | $ 57,000 | $ 29,000 |
| Macon County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 55,000 |
| Nash County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 65,000 |
| Pamlico County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 151,000 |
| Person County North Carolina | 1 | $ 327,000 | $ 327,000 | $ 0 |
| Richmond County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Rutherford County North Carolina | 1 | $ 94,000 | $ 94,000 | $ 47,000 |
| Sampson County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Stanly County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Vance County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Watauga County North Carolina | 1 | $ 169,000 | $ 169,000 | $ 153,000 |
| Wayne County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 106,000 |
| Yadkin County North Carolina | 1 | $ 84,000 | $ 84,000 | $ 85,000 |
| Chester County South Carolina | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
| Edgefield County South Carolina | 1 | $ 226,000 | $ 226,000 | $ 87,000 |
| Florence County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 180,000 |
| Jasper County South Carolina | 1 | $ 64,000 | $ 64,000 | $ 56,000 |
| Kershaw County South Carolina | 1 | $ 97,000 | $ 97,000 | $ 71,000 |
| Lancaster County South Carolina | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Newberry County South Carolina | 1 | $ 76,000 | $ 76,000 | $ 24,000 |
| Oconee County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Orangeburg County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Union County South Carolina | 1 | $ 224,000 | $ 224,000 | $ 111,000 |
| Accomack County Virginia | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Augusta County Virginia | 1 | $ 99,000 | $ 99,000 | $ 72,000 |
| Bristol County Virginia | 1 | $ 82,000 | $ 82,000 | $ 80,000 |
| Campbell County Virginia | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Caroline County Virginia | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Charlotte County Virginia | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Colonial Heights County Virginia | 1 | $ 118,000 | $ 118,000 | $ 43,000 |
| Culpeper County Virginia | 1 | $ 181,000 | $ 181,000 | $ 55,000 |
| Fairfax City County Virginia | 1 | $ 750,000 | $ 750,000 | $ 158,000 |
| Falls Church County Virginia | 1 | $ 515,000 | $ 515,000 | $ 133,000 |
| Franklin County Virginia | 1 | $ 185,000 | $ 185,000 | $ 81,000 |
| Halifax County Virginia | 1 | $ 93,000 | $ 93,000 | $ 54,000 |
| Hampton County Virginia | 1 | $ 90,000 | $ 90,000 | $ 42,000 |
| James City County Virginia | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
| King George County Virginia | 1 | $ 132,000 | $ 132,000 | $ 44,000 |
| Lee County Virginia | 1 | $ 80,000 | $ 80,000 | $ 81,000 |
| Louisa County Virginia | 1 | $ 224,000 | $ 224,000 | $ 94,000 |
| Manassas Park County Virginia | 1 | $ 330,000 | $ 330,000 | $ 84,000 |
| Middlesex County Virginia | 1 | $ 124,000 | $ 124,000 | $ 103,000 |
| New Kent County Virginia | 1 | $ 49,000 | $ 49,000 | $ 49,000 |
| Nottoway County Virginia | 1 | $ 178,000 | $ 178,000 | $ 94,000 |
| Richmond City County Virginia | 1 | $ 166,000 | $ 166,000 | $ 66,000 |
| Roanoke City County Virginia | 1 | $ 126,000 | $ 126,000 | $ 50,000 |
| Rockbridge County Virginia | 1 | $ 114,000 | $ 114,000 | $ 72,000 |
| Rockingham County Virginia | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Salem County Virginia | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
| Scott County Virginia | 1 | $ 82,000 | $ 82,000 | $ 61,000 |
| Shenandoah County Virginia | 1 | $ 234,000 | $ 234,000 | $ 43,000 |
| Warren County Virginia | 1 | $ 152,000 | $ 152,000 | $ 62,000 |
| York County Virginia | 1 | $ 180,000 | $ 180,000 | $ 176,000 |
Mortgage Loan Application Detail Totals for Midcarolinabank in 2004
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 | 729 | $110,830,000 | $152,166 | $750,000 | $67,166 | $504,000 |
| Home Purchase | 191 | $45,760,000 | $176,000 | $10,500,000 | $55,142 | $919,000 |
| Home Improvement | 11 | $602,000 | $54,000 | $508,000 | $57,000 | $264,000 |
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 | 474 | $69,088,000 | $151,500 | $803,000 | $69,333 | $919,000 |
| Not Provided | 379 | $61,492,000 | $149,571 | $1,500,000 | $56,000 | $336,000 |
| Not applicable | 33 | $20,841,000 | $360,500 | $10,500,000 | $6,500 | $159,000 |
| Black or African American | 29 | $3,544,000 | $109,666 | $279,000 | $60,500 | $172,000 |
| Hispanic | 12 | $1,252,000 | $121,000 | $206,000 | $65,250 | $94,000 |
| American Indian or Alaskan Native | 3 | $758,000 | $252,666 | $319,000 | $65,333 | $71,000 |
| Asian | 1 | $217,000 | $217,000 | $217,000 | $120,000 | $120,000 |
| 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) | 926 | $156,687,000 | $151,857 | $10,500,000 | $57,428 | $919,000 |
| FHA-insured (Federal Housing Administration) | 3 | $263,000 | $87,000 | $107,000 | $20,000 | $37,000 |
| VA-guaranteed (Veterans Administration) | 2 | $242,000 | $121,000 | $137,000 | $46,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 632 | $97,606,000 | $145,428 | $1,500,000 | $57,285 | $504,000 |
| Loan Originated | 165 | $39,122,000 | $192,200 | $10,500,000 | $76,600 | $919,000 |
| Application Denied By Financial Institution | 117 | $18,260,000 | $159,500 | $750,000 | $60,333 | $159,000 |
| Application Approved But Not Accepted | 16 | $1,993,000 | $131,200 | $250,000 | $75,800 | $128,000 |
| File Closed For Incompleteness | 1 | $211,000 | $211,000 | $211,000 | $104,000 | $104,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 53 | $8,738,000 | $148,833 | $630,000 | $60,333 | $159,000 |
| Credit History | 35 | $5,458,000 | $167,166 | $750,000 | $57,000 | $158,000 |
| Collateral | 10 | $1,387,000 | $134,666 | $350,000 | $60,500 | $122,000 |
| Debt-To-Income Ratio | 9 | $1,116,000 | $112,000 | $228,000 | $58,750 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $349,000 | $83,500 | $123,000 | $69,500 | $85,000 |
| Unverifiable Information | 3 | $866,000 | $288,666 | $592,000 | $41,333 | $72,000 |
| Employment History | 2 | $341,000 | $170,500 | $206,000 | $59,000 | $84,000 |
| Other | 1 | $5,000 | $5,000 | $5,000 | $26,000 | $26,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midcarolinabank's 2004 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 Midcarolinabank'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.
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