Midcarolinabank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Midcarolinabank 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 | 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 | 417 |
| Total Mortgage Loan Application Amount | $61,317,000 |
| Average Mortgage Loan Application Amount | $167,500 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $1,124,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 74 | $ 9,175,000 | $ 123,000 | $ 65,000 |
| Guilford County North Carolina | 38 | $ 8,592,000 | $ 226,000 | $ 86,000 |
| Wake County North Carolina | 25 | $ 3,399,000 | $ 135,000 | $ 46,000 |
| Mecklenburg County North Carolina | 15 | $ 2,259,000 | $ 150,000 | $ 50,000 |
| Forsyth County North Carolina | 10 | $ 1,080,000 | $ 108,000 | $ 46,000 |
| Brevard County Florida | 7 | $ 761,000 | $ 108,000 | $ 32,000 |
| Orange County Florida | 7 | $ 1,001,000 | $ 143,000 | $ 59,000 |
| Palm Beach County Florida | 7 | $ 1,181,000 | $ 168,000 | $ 66,000 |
| Leon County Florida | 6 | $ 632,000 | $ 105,000 | $ 67,000 |
| Spartanburg County South Carolina | 6 | $ 563,000 | $ 93,000 | $ 41,000 |
| Hillsborough County Florida | 5 | $ 717,000 | $ 143,000 | $ 48,000 |
| Durham County North Carolina | 5 | $ 796,000 | $ 159,000 | $ 78,000 |
| Fairfax County Virginia | 5 | $ 1,213,000 | $ 242,000 | $ 77,000 |
| Lake County Florida | 4 | $ 336,000 | $ 84,000 | $ 39,000 |
| Pinellas County Florida | 4 | $ 458,000 | $ 114,000 | $ 49,000 |
| Cobb County Georgia | 4 | $ 540,000 | $ 135,000 | $ 51,000 |
| DeKalb County Georgia | 4 | $ 613,000 | $ 153,000 | $ 45,000 |
| Wayne County Michigan | 4 | $ 385,000 | $ 96,000 | $ 50,000 |
| Catawba County North Carolina | 4 | $ 446,000 | $ 111,000 | $ 47,000 |
| Gaston County North Carolina | 4 | $ 382,000 | $ 95,000 | $ 57,000 |
| Horry County South Carolina | 4 | $ 526,000 | $ 131,000 | $ 335,000 |
| Richland County South Carolina | 4 | $ 496,000 | $ 124,000 | $ 49,000 |
| Albemarle County Virginia | 4 | $ 1,593,000 | $ 398,000 | $ 167,000 |
| Virginia Beach County Virginia | 4 | $ 592,000 | $ 148,000 | $ 69,000 |
| Broward County Florida | 3 | $ 339,000 | $ 113,000 | $ 40,000 |
| Osceola County Florida | 3 | $ 537,000 | $ 179,000 | $ 90,000 |
| Macomb County Michigan | 3 | $ 339,000 | $ 113,000 | $ 56,000 |
| Cabarrus County North Carolina | 3 | $ 333,000 | $ 111,000 | $ 77,000 |
| New Hanover County North Carolina | 3 | $ 1,484,000 | $ 494,000 | $ 50,000 |
| Union County North Carolina | 3 | $ 338,000 | $ 112,000 | $ 37,000 |
| Charleston County South Carolina | 3 | $ 902,000 | $ 300,000 | $ 109,000 |
| Citrus County Florida | 2 | $ 202,000 | $ 101,000 | $ 54,000 |
| Clay County Florida | 2 | $ 174,000 | $ 87,000 | $ 63,000 |
| Duval County Florida | 2 | $ 254,000 | $ 127,000 | $ 31,000 |
| Miami-Dade County Florida | 2 | $ 242,000 | $ 121,000 | $ 46,000 |
| Polk County Florida | 2 | $ 246,000 | $ 123,000 | $ 42,000 |
| Chatham County Georgia | 2 | $ 178,000 | $ 89,000 | $ 82,000 |
| Clayton County Georgia | 2 | $ 199,000 | $ 99,000 | $ 86,000 |
| Fulton County Georgia | 2 | $ 411,000 | $ 205,000 | $ 68,000 |
| Gwinnett County Georgia | 2 | $ 276,000 | $ 138,000 | $ 51,000 |
| Paulding County Georgia | 2 | $ 269,000 | $ 134,000 | $ 33,000 |
| Genesee County Michigan | 2 | $ 325,000 | $ 162,000 | $ 51,000 |
| Ottawa County Michigan | 2 | $ 285,000 | $ 142,000 | $ 82,000 |
| Caldwell County North Carolina | 2 | $ 177,000 | $ 88,000 | $ 62,000 |
| Caswell County North Carolina | 2 | $ 195,000 | $ 97,000 | $ 31,000 |
| Craven County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 63,000 |
| Cumberland County North Carolina | 2 | $ 224,000 | $ 112,000 | $ 36,000 |
| Iredell County North Carolina | 2 | $ 188,000 | $ 94,000 | $ 47,000 |
| Johnston County North Carolina | 2 | $ 238,000 | $ 119,000 | $ 72,000 |
| Orange County North Carolina | 2 | $ 475,000 | $ 237,000 | $ 199,000 |
| Pamlico County North Carolina | 2 | $ 233,000 | $ 116,000 | $ 77,000 |
| Randolph County North Carolina | 2 | $ 268,000 | $ 134,000 | $ 35,000 |
| Rowan County North Carolina | 2 | $ 226,000 | $ 113,000 | $ 49,000 |
| Berkeley County South Carolina | 2 | $ 548,000 | $ 274,000 | $ 79,000 |
| Goochland County Virginia | 2 | $ 259,000 | $ 129,000 | $ 88,000 |
| Hampton County Virginia | 2 | $ 196,000 | $ 98,000 | $ 47,000 |
| Newport News County Virginia | 2 | $ 201,000 | $ 100,000 | $ 26,000 |
| Norfolk County Virginia | 2 | $ 216,000 | $ 108,000 | $ 102,000 |
| Portsmouth County Virginia | 2 | $ 266,000 | $ 133,000 | $ 75,000 |
| Prince William County Virginia | 2 | $ 267,000 | $ 133,000 | $ 81,000 |
| Wise County Virginia | 2 | $ 185,000 | $ 92,000 | $ 40,000 |
| Escambia County Florida | 1 | $ 83,000 | $ 83,000 | $ 43,000 |
| Hernando County Florida | 1 | $ 132,000 | $ 132,000 | $ 80,000 |
| Indian River County Florida | 1 | $ 119,000 | $ 119,000 | $ 75,000 |
| Manatee County Florida | 1 | $ 360,000 | $ 360,000 | $ 137,000 |
| Pasco County Florida | 1 | $ 93,000 | $ 93,000 | $ 24,000 |
| Volusia County Florida | 1 | $ 92,000 | $ 92,000 | $ 70,000 |
| Walton County Florida | 1 | $ 200,000 | $ 200,000 | $ 222,000 |
| Bibb County Georgia | 1 | $ 80,000 | $ 80,000 | $ 34,000 |
| Bulloch County Georgia | 1 | $ 95,000 | $ 95,000 | $ 210,000 |
| Cherokee County Georgia | 1 | $ 105,000 | $ 105,000 | $ 128,000 |
| Coweta County Georgia | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Fannin County Georgia | 1 | $ 120,000 | $ 120,000 | $ 54,000 |
| Forsyth County Georgia | 1 | $ 112,000 | $ 112,000 | $ 61,000 |
| Gordon County Georgia | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Hall County Georgia | 1 | $ 101,000 | $ 101,000 | $ 40,000 |
| Rockdale County Georgia | 1 | $ 70,000 | $ 70,000 | $ 54,000 |
| Seminole County Georgia | 1 | $ 160,000 | $ 160,000 | $ 86,000 |
| Sumter County Georgia | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Baltimore City County Maryland | 1 | $ 500,000 | $ 500,000 | $ 335,000 |
| Benzie County Michigan | 1 | $ 109,000 | $ 109,000 | $ 33,000 |
| Clinton County Michigan | 1 | $ 102,000 | $ 102,000 | $ 49,000 |
| Hillsdale County Michigan | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Ingham County Michigan | 1 | $ 108,000 | $ 108,000 | $ 38,000 |
| Ionia County Michigan | 1 | $ 140,000 | $ 140,000 | $ 67,000 |
| Livingston County Michigan | 1 | $ 339,000 | $ 339,000 | $ 110,000 |
| Oceana County Michigan | 1 | $ 79,000 | $ 79,000 | $ 72,000 |
| Saginaw County Michigan | 1 | $ 140,000 | $ 140,000 | $ 66,000 |
| Washtenaw County Michigan | 1 | $ 166,000 | $ 166,000 | $ 56,000 |
| Anson County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 58,000 |
| Ashe County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 29,000 |
| Avery County North Carolina | 1 | $ 360,000 | $ 360,000 | $ 250,000 |
| Brunswick County North Carolina | 1 | $ 182,000 | $ 182,000 | $ 193,000 |
| Buncombe County North Carolina | 1 | $ 482,000 | $ 482,000 | $ 0 |
| Carteret County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 139,000 |
| Cherokee County North Carolina | 1 | $ 79,000 | $ 79,000 | $ 66,000 |
| Chowan County North Carolina | 1 | $ 87,000 | $ 87,000 | $ 60,000 |
| Clay County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 68,000 |
| Columbus County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Davie County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Franklin County North Carolina | 1 | $ 92,000 | $ 92,000 | $ 120,000 |
| Granville County North Carolina | 1 | $ 216,000 | $ 216,000 | $ 66,000 |
| Haywood County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 62,000 |
| Macon County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| McDowell County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 39,000 |
| Nash County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 58,000 |
| Onslow County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 71,000 |
| Pender County North Carolina | 1 | $ 300,000 | $ 300,000 | $ 82,000 |
| Person County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 78,000 |
| Pitt County North Carolina | 1 | $ 132,000 | $ 132,000 | $ 85,000 |
| Richmond County North Carolina | 1 | $ 83,000 | $ 83,000 | $ 98,000 |
| Robeson County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Stanly County North Carolina | 1 | $ 98,000 | $ 98,000 | $ 14,000 |
| Stokes County North Carolina | 1 | $ 72,000 | $ 72,000 | $ 35,000 |
| Watauga County North Carolina | 1 | $ 128,000 | $ 128,000 | $ 131,000 |
| Wilkes County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 43,000 |
| Cherokee County South Carolina | 1 | $ 108,000 | $ 108,000 | $ 48,000 |
| Chester County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Clarendon County South Carolina | 1 | $ 103,000 | $ 103,000 | $ 72,000 |
| Darlington County South Carolina | 1 | $ 99,000 | $ 99,000 | $ 66,000 |
| Lexington County South Carolina | 1 | $ 117,000 | $ 117,000 | $ 74,000 |
| Williamsburg County South Carolina | 1 | $ 107,000 | $ 107,000 | $ 71,000 |
| York County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Arlington County Virginia | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Chesapeake County Virginia | 1 | $ 99,000 | $ 99,000 | $ 78,000 |
| Chesterfield County Virginia | 1 | $ 77,000 | $ 77,000 | $ 47,000 |
| Frederick County Virginia | 1 | $ 88,000 | $ 88,000 | $ 58,000 |
| Halifax County Virginia | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Hanover County Virginia | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Henrico County Virginia | 1 | $ 120,000 | $ 120,000 | $ 110,000 |
| Henry County Virginia | 1 | $ 80,000 | $ 80,000 | $ 27,000 |
| Lancaster County Virginia | 1 | $ 114,000 | $ 114,000 | $ 30,000 |
| Loudoun County Virginia | 1 | $ 468,000 | $ 468,000 | $ 107,000 |
| Lynchburg County Virginia | 1 | $ 102,000 | $ 102,000 | $ 42,000 |
| Orange County Virginia | 1 | $ 181,000 | $ 181,000 | $ 56,000 |
| Pittsylvania County Virginia | 1 | $ 97,000 | $ 97,000 | $ 33,000 |
| Richmond City County Virginia | 1 | $ 72,000 | $ 72,000 | $ 49,000 |
| Rockbridge County Virginia | 1 | $ 180,000 | $ 180,000 | $ 42,000 |
| Salem County Virginia | 1 | $ 121,000 | $ 121,000 | $ 40,000 |
| Spotsylvania County Virginia | 1 | $ 86,000 | $ 86,000 | $ 182,000 |
| Stafford County Virginia | 1 | $ 318,000 | $ 318,000 | $ 120,000 |
| Surry County Virginia | 1 | $ 135,000 | $ 135,000 | $ 63,000 |
| York County Virginia | 1 | $ 104,000 | $ 104,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Midcarolinabank 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 | 305 | $44,273,000 | $139,833 | $1,190,000 | $61,333 | $978,000 |
| Home Purchase | 108 | $16,928,000 | $211,000 | $2,500,000 | $151,285 | $1,124,000 |
| Home Improvement | 4 | $116,000 | $29,000 | $65,000 | $29,000 | $85,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 205 | $27,666,000 | $135,166 | $650,000 | $60,666 | $244,000 |
| White | 155 | $21,686,000 | $191,857 | $1,000,000 | $118,285 | $1,124,000 |
| Not applicable | 37 | $9,639,000 | $260,000 | $2,500,000 | $0 | $20,000 |
| Black or African American | 8 | $1,017,000 | $110,800 | $286,000 | $40,600 | $86,000 |
| Hispanic | 7 | $730,000 | $102,000 | $190,000 | $68,000 | $159,000 |
| Asian | 3 | $303,000 | $101,000 | $173,000 | $125,666 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $276,000 | $138,000 | $166,000 | $42,500 | $57,000 |
| American Indian or Alaskan Native | 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) | 417 | $61,317,000 | $192,571 | $2,500,000 | $106,857 | $1,124,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 237 | $31,417,000 | $135,500 | $720,000 | $64,500 | $601,000 |
| Loan Originated | 105 | $18,303,000 | $214,666 | $2,500,000 | $227,000 | $1,124,000 |
| Application Denied By Financial Institution | 39 | $5,007,000 | $148,600 | $300,000 | $44,200 | $125,000 |
| File Closed For Incompleteness | 31 | $5,204,000 | $152,833 | $468,000 | $62,500 | $180,000 |
| Application Approved But Not Accepted | 5 | $1,386,000 | $407,333 | $1,000,000 | $153,666 | $345,000 |
| 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 History | 25 | $3,330,000 | $152,800 | $300,000 | $41,800 | $125,000 |
| Debt-To-Income Ratio | 7 | $877,000 | $106,000 | $170,000 | $28,000 | $59,000 |
| Collateral | 4 | $421,000 | $105,000 | $126,000 | $52,500 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $71,000 | $71,000 |
| Other | 1 | $108,000 | $108,000 | $108,000 | $48,000 | $48,000 |
| Unverifiable Information | 1 | $166,000 | $166,000 | $166,000 | $57,000 | $57,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midcarolinabank'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 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.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.