What loan types does Carter Bank & Trust offer?

Carter Bank & Trust offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Carter Bank & Trust offer mortgages?

Carter Bank & Trust offers mortgages in 3 states: NC, SC, VA.

What type of lender is Carter Bank & Trust?

Carter Bank & Trust is a Bank headquartered in Martinsville, VA.

Unclaimed

Carter Bank & Trust

Bank•Martinsville, VAHQ•Direct•Reviews near you on Google

Carter Bank & Trust has 30 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pull-through

Acceptable

2/5

closing strength

Product

Mediocre

1/5

Conventional

Place

Sound

3/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Carter Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

25 loans · 0.10% above market

Mediocre

Bottom 20% of lenders

1/5

By Loan Purpose· Transaction purpose mix

Purchase

28 loans · 0.10% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Mediocre	—	Acceptable	25	83.3%	+0.098%Above	$1,157Fees

Conventional

Overall

Acceptable

Product

Mediocre

Pricing—

Pull Through

Acceptable

Volume25

Mix83.3%

Spread

+0.098%Above

Fees

$1,157Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	—	Acceptable	28	93.3%	+0.099%Above	$1,153Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume28

Mix93.3%

Spread

+0.099%Above

Fees

$1,153Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$15 million

Pricing & Closing

Pullthrough Rate

65.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$516,333

Avg Borrower Income

$284,767

Avg Property Value

$851,667

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

All statesNone

South3

NCSCVA

Top Metro Areas by Place Specialization Score

Charlotte, NC-SCMetro

Volume 11Mix 36.67% of portfolio

50/100

Sound

Top States by Place Specialization Score

North CarolinaState

Volume 16Mix 53.33% of portfolio

50/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Carter Bank & Trust?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.