Lender profile · HMDA 2023–2025
Carter Bank & Trust mortgage approval rates & lending data
Carter Bank & Trust decided 278 mortgage applications and funded 198 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 48 / 53 | 98% | $555K | 47 |
| Home improvement loans | 55% | 50 / 91 | 98% | $65K | 49 |
| Refinance | 79% | 56 / 71 | 93% | $205K | 52 |
| Investment property purchase | 87% | 39 / 45 | 97% | $255K | 38 |
Carter Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 84% | $255K | 167 | 132 |
| Virginia | 59% | $65K | 102 | 58 |
| South Carolina | 86% | $685K | 7 | 6 |
| Florida | 100% | $1.50M | 2 | 2 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.