Myers Park Mortgage Mortgage Lending & HMDA Data, 2012
In 2012, Myers Park Mortgage of Charlotte, NC reported 3,278 mortgage applications totaling $818.1 million, up 2% from 2011. The average application was for $249,569, and applicants reported an average income of $124,249. 75% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Charlotte-Gastonia-Rock Hill, NC-SC (1,217), Washington-Arlington-Alexandria, DC-VA-MD-WV (357) and Raleigh-Cary, NC (141) (applications in parentheses).
| Mortgage Company & Address | Myers Park Mortgage 141 Providence Rd Charlotte, NC 28207 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 3,278 |
| Total Mortgage Loan Application Amount | $818,088,000 |
| Average Mortgage Loan Application Amount | $249,569 |
| Highest Mortgage Loan Application Amount | $1,890,000 |
| Average Applicant Income | $124,249 |
| Highest Applicant Income | $1,793,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Myers Park Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Charlotte-Gastonia-Rock Hill, NC-SC | 1,217 | $ 276,668,000 | $ 227,336 | $ 120,875 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 357 | $ 120,117,000 | $ 336,462 | $ 144,246 |
| Raleigh-Cary, NC | 141 | $ 32,738,000 | $ 232,184 | $ 109,000 |
| Atlanta-Sandy Springs-Marietta, GA | 129 | $ 30,440,000 | $ 235,968 | $ 130,000 |
| Baltimore-Towson, MD | 121 | $ 34,098,000 | $ 281,801 | $ 135,000 |
| Bethesda-Rockville-Frederick, MD | 114 | $ 38,958,000 | $ 341,736 | $ 147,000 |
| Durham-Chapel Hill, NC | 58 | $ 13,678,000 | $ 235,827 | $ 121,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 55 | $ 13,390,000 | $ 243,454 | $ 109,000 |
| Richmond, VA | 41 | $ 10,745,000 | $ 262,073 | $ 119,000 |
| Louisville/Jefferson County, KY-IN | 38 | $ 7,855,000 | $ 206,710 | $ 97,447 |
| Charleston-North Charleston-Summerville, SC | 37 | $ 10,080,000 | $ 272,432 | $ 136,000 |
| Indianapolis-Carmel, IN | 34 | $ 7,446,000 | $ 219,000 | $ 105,000 |
| Greensboro-High Point, NC | 33 | $ 7,172,000 | $ 217,333 | $ 95,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 30 | $ 7,646,000 | $ 254,866 | $ 124,100 |
| Memphis, TN-MS-AR | 29 | $ 6,082,000 | $ 209,724 | $ 111,000 |
| Columbia, SC | 25 | $ 4,734,000 | $ 189,360 | $ 110,000 |
| Los Angeles-Long Beach-Glendale, CA | 25 | $ 7,379,000 | $ 295,160 | $ 119,000 |
| Asheville, NC | 22 | $ 5,163,000 | $ 234,681 | $ 93,000 |
| Wilmington, NC | 21 | $ 4,195,000 | $ 199,761 | $ 143,000 |
| Hickory-Lenoir-Morganton, NC | 20 | $ 4,873,000 | $ 243,650 | $ 144,000 |
| Knoxville, TN | 20 | $ 4,801,000 | $ 240,050 | $ 115,000 |
| Philadelphia, PA | 20 | $ 5,215,000 | $ 260,750 | $ 124,000 |
| Riverside-San Bernardino-Ontario, CA | 20 | $ 4,779,000 | $ 238,950 | $ 137,000 |
| Lexington-Fayette, KY | 19 | $ 4,261,000 | $ 224,263 | $ 115,000 |
| Greenville-Mauldin-Easley, SC | 18 | $ 4,090,000 | $ 227,222 | $ 115,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 16 | $ 3,929,000 | $ 245,562 | $ 104,000 |
| San Francisco-San Mateo-Redwood City, CA | 16 | $ 5,978,000 | $ 373,625 | $ 164,000 |
| Santa Ana-Anaheim-Irvine, CA | 16 | $ 4,391,000 | $ 274,437 | $ 98,000 |
| Winston-Salem, NC | 14 | $ 3,724,000 | $ 266,000 | $ 133,000 |
| Chattanooga, TN-GA | 12 | $ 2,581,000 | $ 215,083 | $ 93,250 |
| San Diego-Carlsbad-San Marcos, CA | 11 | $ 2,685,000 | $ 244,090 | $ 121,000 |
| Charlottesville, VA | 10 | $ 2,072,000 | $ 207,200 | $ 89,000 |
| Oakland-Fremont-Hayward, CA | 10 | $ 3,195,000 | $ 319,500 | $ 139,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 10 | $ 3,390,000 | $ 339,000 | $ 174,000 |
| Hartford-West Hartford-East Hartford, CT | 9 | $ 2,226,000 | $ 247,333 | $ 130,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 9 | $ 1,809,000 | $ 201,000 | $ 148,000 |
| Roanoke, VA | 9 | $ 2,200,000 | $ 244,444 | $ 152,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 1,322,000 | $ 165,250 | $ 93,750 |
| Anderson, SC | 6 | $ 1,175,000 | $ 195,833 | $ 88,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 1,218,000 | $ 203,000 | $ 107,000 |
| Fayetteville, NC | 6 | $ 1,184,000 | $ 197,333 | $ 113,000 |
| New Haven-Milford, CT | 6 | $ 1,459,000 | $ 243,166 | $ 109,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 2,253,000 | $ 375,500 | $ 121,000 |
| Savannah, GA | 6 | $ 1,022,000 | $ 170,333 | $ 105,000 |
| Spartanburg, SC | 6 | $ 1,224,000 | $ 204,000 | $ 81,000 |
| Athens-Clarke County, GA | 5 | $ 1,043,000 | $ 208,600 | $ 138,000 |
| Gary, IN | 5 | $ 1,438,000 | $ 287,600 | $ 136,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,310,000 | $ 262,000 | $ 109,000 |
| Fort Wayne, IN | 4 | $ 672,000 | $ 168,000 | $ 72,000 |
| Fresno, CA | 4 | $ 982,000 | $ 245,500 | $ 106,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 1,405,000 | $ 351,250 | $ 121,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 1,118,000 | $ 372,666 | $ 120,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 425,000 | $ 141,666 | $ 59,666 |
| Lynchburg, VA | 3 | $ 624,000 | $ 208,000 | $ 96,000 |
| Modesto, CA | 3 | $ 473,000 | $ 157,666 | $ 85,000 |
| Morristown, TN | 3 | $ 613,000 | $ 204,333 | $ 135,000 |
| Rocky Mount, NC | 3 | $ 639,000 | $ 213,000 | $ 86,000 |
| Salinas, CA | 3 | $ 1,065,000 | $ 355,000 | $ 151,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 737,000 | $ 245,666 | $ 167,000 |
| Wilmington, DE-MD-NJ | 3 | $ 1,551,000 | $ 517,000 | $ 591,000 |
| Albany, GA | 2 | $ 355,000 | $ 177,500 | $ 121,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 422,000 | $ 211,000 | $ 119,000 |
| Gainesville, GA | 2 | $ 256,000 | $ 128,000 | $ 55,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 480,000 | $ 240,000 | $ 101,000 |
| Jacksonville, NC | 2 | $ 536,000 | $ 268,000 | $ 88,000 |
| Lancaster, PA | 2 | $ 309,000 | $ 154,500 | $ 68,000 |
| Macon, GA | 2 | $ 585,000 | $ 292,500 | $ 103,000 |
| Muncie, IN | 2 | $ 393,000 | $ 196,500 | $ 122,000 |
| Norwich-New London, CT | 2 | $ 314,000 | $ 157,000 | $ 64,000 |
| Salisbury, MD | 2 | $ 474,000 | $ 237,000 | $ 151,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 414,000 | $ 207,000 | $ 113,000 |
| Stockton, CA | 2 | $ 465,000 | $ 232,500 | $ 163,000 |
| Winchester, VA-WV | 2 | $ 515,000 | $ 257,500 | $ 89,000 |
| Anderson, IN | 1 | $ 142,000 | $ 142,000 | $ 62,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 230,000 | $ 230,000 | $ 121,000 |
| Bowling Green, KY | 1 | $ 360,000 | $ 360,000 | $ 108,000 |
| Brunswick, GA | 1 | $ 222,000 | $ 222,000 | $ 72,000 |
| Burlington, NC | 1 | $ 323,000 | $ 323,000 | $ 263,000 |
| Clarksville, TN-KY | 1 | $ 305,000 | $ 305,000 | $ 88,000 |
| Cleveland, TN | 1 | $ 334,000 | $ 334,000 | $ 78,000 |
| Columbus, GA-AL | 1 | $ 196,000 | $ 196,000 | $ 80,000 |
| Columbus, IN | 1 | $ 260,000 | $ 260,000 | $ 195,000 |
| Cumberland, MD-WV | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| Dalton, GA | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Danville, VA | 1 | $ 277,000 | $ 277,000 | $ 71,000 |
| El Centro, CA | 1 | $ 125,000 | $ 125,000 | $ 112,000 |
| Greenville, NC | 1 | $ 263,000 | $ 263,000 | $ 175,000 |
| Harrisburg-Carlisle, PA | 1 | $ 137,000 | $ 137,000 | $ 75,000 |
| Harrisonburg, VA | 1 | $ 400,000 | $ 400,000 | $ 78,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 226,000 | $ 226,000 | $ 134,000 |
| Jackson, TN | 1 | $ 155,000 | $ 155,000 | $ 182,000 |
| Lafayette, IN | 1 | $ 213,000 | $ 213,000 | $ 68,000 |
| Pittsburgh, PA | 1 | $ 200,000 | $ 200,000 | $ 45,000 |
| Port St. Lucie, FL | 1 | $ 100,000 | $ 100,000 | $ 156,000 |
| Redding, CA | 1 | $ 337,000 | $ 337,000 | $ 84,000 |
| Rome, GA | 1 | $ 150,000 | $ 150,000 | $ 124,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 402,000 | $ 402,000 | $ 81,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 131,000 | $ 131,000 | $ 63,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 132,000 | $ 132,000 | $ 104,000 |
| Sumter, SC | 1 | $ 150,000 | $ 150,000 | $ 90,000 |
| Terre Haute, IN | 1 | $ 136,000 | $ 136,000 | $ 77,000 |
| Warner Robins, GA | 1 | $ 130,000 | $ 130,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Myers Park Mortgage in 2012
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 | 2,528 | $655,840,000 | $259,000 | $1,890,000 | $131,000 | $1,793,000 |
| Home Purchase | 646 | $138,292,000 | $214,000 | $629,000 | $99,000 | $804,000 |
| Home Improvement | 104 | $23,956,000 | $230,000 | $417,000 | $117,000 | $366,000 |
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 | 2,483 | $608,435,000 | $245,000 | $1,095,000 | $125,000 | $1,793,000 |
| Not Provided | 388 | $109,842,000 | $283,000 | $1,890,000 | $132,000 | $1,500,000 |
| Asian | 232 | $62,856,000 | $270,000 | $614,000 | $119,000 | $762,000 |
| Black or African American | 94 | $19,052,000 | $202,000 | $1,400,000 | $102,000 | $851,000 |
| Hispanic | 66 | $14,483,000 | $219,000 | $513,000 | $101,000 | $257,000 |
| American Indian or Alaskan Native | 10 | $2,029,000 | $202,000 | $406,000 | $96,000 | $177,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,391,000 | $278,000 | $417,000 | $105,000 | $170,000 |
| 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) | 2,925 | $747,097,000 | $255,000 | $1,890,000 | $129,000 | $1,793,000 |
| FHA-insured (Federal Housing Administration) | 244 | $44,761,000 | $183,000 | $540,000 | $76,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 83 | $22,976,000 | $276,000 | $1,000,000 | $113,000 | $1,500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,254,000 | $125,000 | $240,000 | $43,000 | $85,000 |
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 | 2,469 | $609,064,000 | $246,000 | $1,095,000 | $121,000 | $1,030,000 |
| Application Withdrawn By Applicant | 472 | $124,293,000 | $263,000 | $1,890,000 | $132,000 | $1,793,000 |
| File Closed For Incompleteness | 203 | $50,606,000 | $249,000 | $1,400,000 | $150,000 | $1,793,000 |
| Application Approved But Not Accepted | 104 | $27,384,000 | $263,000 | $626,000 | $111,000 | $345,000 |
| Application Denied By Financial Institution | 30 | $6,741,000 | $224,000 | $494,000 | $92,000 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 9 | $2,010,000 | $223,000 | $494,000 | $117,000 | $300,000 |
| Debt-To-Income Ratio | 8 | $2,243,000 | $280,000 | $417,000 | $84,000 | $192,000 |
| Other | 6 | $1,274,000 | $212,000 | $417,000 | $95,000 | $155,000 |
| Unverifiable Information | 3 | $700,000 | $233,000 | $279,000 | $78,000 | $134,000 |
| Credit History | 3 | $329,000 | $109,000 | $173,000 | $50,000 | $63,000 |
| Employment History | 1 | $185,000 | $185,000 | $185,000 | $75,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Myers Park Mortgage's 2012 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 Myers Park Mortgage'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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