Planters Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Planters Bank & Trust Company 2006 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 | Planters Bank & Trust Company 24 South Augusta Street Staunton, VA 24402 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,069 |
| Total Mortgage Loan Application Amount | $154,597,000 |
| Average Mortgage Loan Application Amount | $123,666 |
| Highest Mortgage Loan Application Amount | $2,350,000 |
| Average Applicant Income | $65,333 |
| Highest Applicant Income | $1,229,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Planters Bank & Trust Company. 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 Planters Bank & Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Planters Bank & Trust Company'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 Planters Bank & Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Planters Bank & Trust Company, 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 Planters Bank & Trust Company's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Augusta County Virginia | 349 | $ 46,293,000 | $ 132,000 | $ 66,000 |
| Staunton County Virginia | 124 | $ 13,442,000 | $ 108,000 | $ 47,000 |
| Rockingham County Virginia | 77 | $ 11,993,000 | $ 155,000 | $ 68,000 |
| Bedford County Virginia | 63 | $ 17,687,000 | $ 280,000 | $ 104,000 |
| Lynchburg County Virginia | 58 | $ 9,760,000 | $ 168,000 | $ 84,000 |
| Rockbridge County Virginia | 51 | $ 7,176,000 | $ 140,000 | $ 94,000 |
| Franklin County Virginia | 50 | $ 5,541,000 | $ 110,000 | $ 61,000 |
| Waynesboro County Virginia | 43 | $ 6,273,000 | $ 145,000 | $ 69,000 |
| Harrisonburg County Virginia | 42 | $ 6,921,000 | $ 164,000 | $ 66,000 |
| Shenandoah County Virginia | 32 | $ 4,457,000 | $ 139,000 | $ 52,000 |
| Buena Vista County Virginia | 25 | $ 1,685,000 | $ 67,000 | $ 52,000 |
| Alleghany County Virginia | 18 | $ 713,000 | $ 39,000 | $ 49,000 |
| Prince Edward County Virginia | 18 | $ 2,220,000 | $ 123,000 | $ 145,000 |
| Nelson County Virginia | 15 | $ 3,765,000 | $ 251,000 | $ 149,000 |
| Campbell County Virginia | 14 | $ 1,850,000 | $ 132,000 | $ 86,000 |
| Amherst County Virginia | 10 | $ 1,302,000 | $ 130,000 | $ 70,000 |
| Covington County Virginia | 9 | $ 240,000 | $ 26,000 | $ 34,000 |
| Albemarle County Virginia | 7 | $ 2,054,000 | $ 293,000 | $ 75,000 |
| Cumberland County Virginia | 5 | $ 592,000 | $ 118,000 | $ 65,000 |
| Montgomery County Virginia | 5 | $ 630,000 | $ 126,000 | $ 170,000 |
| Page County Virginia | 5 | $ 842,000 | $ 168,000 | $ 45,000 |
| Roanoke City County Virginia | 5 | $ 1,579,000 | $ 315,000 | $ 15,000 |
| Bedford City County Virginia | 4 | $ 283,000 | $ 70,000 | $ 91,000 |
| Charlotte County Virginia | 3 | $ 221,000 | $ 73,000 | $ 39,000 |
| Lexington County Virginia | 3 | $ 184,000 | $ 61,000 | $ 72,000 |
| Hampshire County West Virginia | 3 | $ 387,000 | $ 129,000 | $ 129,000 |
| Dare County North Carolina | 2 | $ 776,000 | $ 388,000 | $ 0 |
| Appomattox County Virginia | 2 | $ 244,000 | $ 122,000 | $ 80,000 |
| Botetourt County Virginia | 2 | $ 336,000 | $ 168,000 | $ 133,000 |
| Greene County Virginia | 2 | $ 324,000 | $ 162,000 | $ 37,000 |
| Henrico County Virginia | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Mecklenburg County Virginia | 2 | $ 486,000 | $ 243,000 | $ 81,000 |
| Cherokee County Georgia | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Waldo County Maine | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Wayne County Michigan | 1 | $ 800,000 | $ 800,000 | $ 58,000 |
| Avery County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 552,000 |
| Guilford County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Beaufort County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Arlington County Virginia | 1 | $ 234,000 | $ 234,000 | $ 122,000 |
| Charlottesville County Virginia | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Danville County Virginia | 1 | $ 55,000 | $ 55,000 | $ 92,000 |
| Floyd County Virginia | 1 | $ 417,000 | $ 417,000 | $ 684,000 |
| Giles County Virginia | 1 | $ 120,000 | $ 120,000 | $ 103,000 |
| Highland County Virginia | 1 | $ 110,000 | $ 110,000 | $ 28,000 |
| Northumberland County Virginia | 1 | $ 404,000 | $ 404,000 | $ 97,000 |
| Roanoke County Virginia | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Virginia Beach County Virginia | 1 | $ 355,000 | $ 355,000 | $ 71,000 |
| Warren County Virginia | 1 | $ 240,000 | $ 240,000 | $ 69,000 |
| Westmoreland County Virginia | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Hardy County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Pendleton County West Virginia | 1 | $ 90,000 | $ 90,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Planters Bank & Trust Company in 2006
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 | 505 | $69,866,000 | $138,000 | $1,200,000 | $66,000 | $504,000 |
| Home Purchase | 465 | $78,227,000 | $168,000 | $2,350,000 | $81,000 | $1,229,000 |
| Home Improvement | 99 | $6,504,000 | $65,000 | $417,000 | $49,000 | $197,000 |
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 | 950 | $135,149,000 | $142,000 | $1,344,000 | $75,000 | $1,229,000 |
| Not applicable | 44 | $9,837,000 | $223,000 | $2,350,000 | $4,000 | $141,000 |
| Black or African American | 25 | $2,498,000 | $99,000 | $265,000 | $46,000 | $104,000 |
| Not Provided | 23 | $3,094,000 | $134,000 | $243,000 | $51,000 | $145,000 |
| Hispanic | 15 | $1,957,000 | $130,000 | $400,000 | $70,000 | $143,000 |
| Asian | 9 | $1,800,000 | $200,000 | $410,000 | $77,000 | $140,000 |
| American Indian or Alaskan Native | 2 | $252,000 | $126,000 | $162,000 | $33,000 | $37,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $10,000 | $10,000 | $10,000 | $6,000 | $6,000 |
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) | 1,021 | $147,916,000 | $144,000 | $2,350,000 | $72,000 | $1,229,000 |
| FHA-insured (Federal Housing Administration) | 34 | $4,433,000 | $130,000 | $203,000 | $55,000 | $144,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,094,000 | $161,000 | $284,000 | $67,000 | $261,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $154,000 | $154,000 | $154,000 | $29,000 | $29,000 |
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 | 860 | $121,952,000 | $141,000 | $2,350,000 | $73,000 | $1,229,000 |
| Application Withdrawn By Applicant | 88 | $15,184,000 | $172,000 | $1,200,000 | $71,000 | $960,000 |
| Application Approved But Not Accepted | 71 | $12,593,000 | $177,000 | $575,000 | $69,000 | $261,000 |
| Application Denied By Financial Institution | 39 | $3,122,000 | $80,000 | $368,000 | $34,000 | $96,000 |
| File Closed For Incompleteness | 11 | $1,746,000 | $158,000 | $351,000 | $37,000 | $129,000 |
| 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 | 30 | $2,168,000 | $72,000 | $368,000 | $30,000 | $75,000 |
| Collateral | 3 | $202,000 | $67,000 | $114,000 | $40,000 | $48,000 |
| Debt-To-Income Ratio | 2 | $316,000 | $158,000 | $181,000 | $72,000 | $96,000 |
| Employment History | 2 | $198,000 | $99,000 | $102,000 | $41,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $153,000 | $153,000 | $153,000 | $45,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Planters Bank & Trust Company's 2006 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 Planters Bank & Trust Company'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 Virginia, download the full spreadsheet
with aggregated HMDA statistics today.