Bertie County, NC Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 399 mortgage applications in Bertie County, NC totaling $42.2 million, up 11% from 2018. The average application was for $105,000, and applicants reported an average income of $73,000. 44% of applications resulted in an originated loan and 26% were denied. The most active lender was State Employees' Credit Union, with 111 applications, followed by Vanderbilt Mortgage and Finance, Inc and Southern Bank and Trust Company.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 399 |
| Total Mortgage Loan Application Amount | $42,165,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $855,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $764,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 38,812,319,000 | 111 | $ 9,075,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 39 | $ 3,505,000 |
| Southern Bank and Trust Company PO BOX 729 MOUNT OLIVE, NC 28365 |
* | $ 2,624,103,000 | 34 | $ 3,660,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 21 | $ 1,765,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 2,073,778,000 | 21 | $ 1,605,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 17 | $ 1,425,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 16 | $ 3,190,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 10 | $ 750,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 10 | $ 1,430,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 355,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 620,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 340,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 4 | $ 970,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 4 | $ 330,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 580,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 35,267,496,000 | 3 | $ 385,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 3 | $ 305,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 375,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 3 | $ 395,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 3 | $ 385,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 3 | $ 305,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 11,163,043,000 | 3 | $ 1,245,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 230,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 210,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 2 | $ 110,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 190,000 |
| Amerisouth Mortgage Company 2101 SARDIS RD N STE 120 CHARLOTTE, NC 28227 |
* | $ -1,000 | 2 | $ 110,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 2 | $ 220,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 260,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 260,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 2 | $ 610,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 290,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 2 | $ 430,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 310,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 1,011,156,000 | 2 | $ 90,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 350,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 110,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 2 | $ 130,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 210,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 45,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ -1,000 | 1 | $ 205,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 45,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 1 | $ 185,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 33,026,384,000 | 1 | $ 25,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,011,136,000 | 1 | $ 75,000 |
| Bayport Credit Union 2107 HARTFORD RD, SUITE B NEWPORT NEWS, VA 23606 |
* | $ 1,617,282,000 | 1 | $ 25,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 135,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 1 | $ 105,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 145,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 261,336,000 | 1 | $ 85,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 215,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 240,252,000 | 1 | $ 25,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 455,000 |
| Potomac Mortgage Group, Inc. 4035 RIDGE TOP ROAD, SUITE 100 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 195,000 |
| Ardent Federal Credit Union 1500 SPRING GARDEN ST. SUITE 500 PHILADELPHIA, PA 19102 |
* | $ 670,367,000 | 1 | $ 85,000 |
| Southern Trust Mortgage, LLC 4433 CORPORATION LANE SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ -1,000 | 1 | $ 295,000 |
| Bankunited, National Association 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 32,077,582,000 | 1 | $ 65,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 145,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ -1,000 | 1 | $ 75,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 55,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 13,732,008,000 | 1 | $ 245,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 135,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 268,405,000 | 1 | $ 195,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 145,000 |
| Ovm Financial, Inc. 816 GREENBRIER CIRCLE SUITE 100 CHESAPEAKE, VA 23320 |
* | $ -1,000 | 1 | $ 75,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,636,147,000 | 1 | $ 145,000 |
The tables below break down 2019 mortgage applications in Bertie County, NC by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Bertie County, NC in 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 199 | $24,055,000 | $120,000 | $855,000 | $70,000 | $587,000 |
| Refinancing | 94 | $10,330,000 | $109,000 | $455,000 | $86,000 | $764,000 |
| Home Improvement | 42 | $1,960,000 | $46,000 | $145,000 | $65,000 | $334,000 |
| Other Purpose | 30 | $1,970,000 | $65,000 | $245,000 | $74,000 | $246,000 |
| Cash-out Refinancing | 28 | $3,440,000 | $122,000 | $255,000 | $62,000 | $196,000 |
| Not Applicable | 6 | $410,000 | $68,000 | $115,000 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 181 | $14,935,000 | $82,000 | $455,000 | $61,000 | $334,000 |
| White | 162 | $20,320,000 | $125,000 | $655,000 | $84,000 | $764,000 |
| Not Provided | 25 | $3,595,000 | $143,000 | $855,000 | $95,000 | $408,000 |
| Not applicable | 21 | $2,225,000 | $105,000 | $435,000 | $55,000 | $64,000 |
| Hispanic | 7 | $415,000 | $59,000 | $75,000 | $44,000 | $59,000 |
| Asian | 2 | $270,000 | $135,000 | $175,000 | $55,000 | $55,000 |
| American Indian or Alaskan Native | 1 | $405,000 | $405,000 | $405,000 | $192,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 325 | $33,715,000 | $103,000 | $855,000 | $76,000 | $764,000 |
| FHA-insured (Federal Housing Administration) | 49 | $5,105,000 | $104,000 | $265,000 | $51,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 20 | $2,940,000 | $147,000 | $205,000 | $60,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $405,000 | $81,000 | $95,000 | $58,000 | $69,000 |
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 | 177 | $20,665,000 | $116,000 | $535,000 | $86,000 | $587,000 |
| Application Denied By Financial Institution | 104 | $10,130,000 | $97,000 | $855,000 | $54,000 | $408,000 |
| Application Withdrawn By Applicant | 45 | $4,575,000 | $101,000 | $335,000 | $62,000 | $154,000 |
| File Closed For Incompleteness | 36 | $3,370,000 | $93,000 | $255,000 | $58,000 | $148,000 |
| Loan Purchased By The Institution | 27 | $2,515,000 | $93,000 | $215,000 | $64,000 | $129,000 |
| Application Approved But Not Accepted | 9 | $785,000 | $87,000 | $205,000 | $131,000 | $764,000 |
| Preapproval Approved but not Accepted | 1 | $125,000 | $125,000 | $125,000 | $100,000 | $100,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 294 | $31,820,000 | $108,000 | $535,000 | $80,000 | $764,000 |
| Credit History | 45 | $3,535,000 | $78,000 | $215,000 | $44,000 | $120,000 |
| Debt-To-Income Ratio | 29 | $3,015,000 | $103,000 | $655,000 | $46,000 | $298,000 |
| Collateral | 15 | $1,625,000 | $108,000 | $265,000 | $67,000 | $243,000 |
| Unverifiable Information | 6 | $1,180,000 | $196,000 | $855,000 | $108,000 | $408,000 |
| Other | 5 | $365,000 | $73,000 | $105,000 | $49,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $385,000 | $128,000 | $215,000 | $50,000 | $71,000 |
| Credit Application Incomplete | 2 | $240,000 | $120,000 | $135,000 | $130,000 | $196,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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