Clay County, NC Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 504 mortgage applications in Clay County, NC totaling $108.3 million, up 10% from 2023. The average application was for $214,000, and applicants reported an average income of $137,000. 53% of applications resulted in an originated loan and 19% were denied. The most active lender was United Community Bank, with 61 applications, followed by State Employees' Credit Union and Vanderbilt Mortgage and Finance, Inc.

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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 504
Total Mortgage Loan Application Amount $108,300,000
Average Mortgage Loan Application Amount $214,000
Highest Mortgage Loan Application Amount $1,445,000
Average Applicant Income $137,000
Highest Applicant Income $7,200,000

Mortgage Company List for Lending in Clay County, NC for 2024

* 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
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 61 $ 8,925,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ n/a 39 $ 5,215,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 25 $ 3,685,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 16 $ 3,870,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 13 $ 3,795,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 13 $ 3,575,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 13 $ 2,685,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 12 $ 3,680,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 12 $ 3,380,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 12 $ 2,610,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 10 $ 2,390,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 9 $ 2,625,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 9 $ 4,015,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ n/a 9 $ 405,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ n/a 8 $ 2,010,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 8 $ 2,120,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 8 $ 1,270,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 8 $ 1,790,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 8 $ 570,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 8 $ 1,650,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 7 $ 2,905,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 6 $ 1,280,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 6 $ 1,070,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 6 $ 670,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 5 $ 505,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ n/a 5 $ 1,275,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ n/a 4 $ 370,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 4 $ 1,220,000
Pfn Lending Group, Inc.
5016 N PARKWAY CALABASAS
CALABASAS, CA 91302
* $ n/a 4 $ 940,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 4 $ 900,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 4 $ 990,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 790,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 3 $ 705,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 3 $ 575,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 2 $ 310,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 2 $ 540,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 2 $ 250,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ n/a 2 $ 910,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 2 $ 460,000
Pinnacle Bank
884 ELBERT STREET
ELBERTON, GA 30635
* $ n/a 2 $ 420,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 2 $ 860,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 2 $ 710,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 540,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 390,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 2 $ 560,000
Banksouth Mortgage Company LLC
6340 LAKE OCONEE PARKWAY SUITE 202
GREENSBORO, GA 30642
* $ n/a 2 $ 430,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 140,000
Suncoast Credit Union
6801 E HILLSBOROUGH AVE
TAMPA, FL 33610
* $ n/a 2 $ 320,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ n/a 2 $ 460,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 2 $ 230,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 2 $ 390,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 2 $ 100,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 2 $ 520,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ n/a 2 $ 250,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ n/a 2 $ 200,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 2 $ 350,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 2 $ 230,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 2 $ 360,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ n/a 2 $ 1,140,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 2 $ 500,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 460,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 85,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 1 $ 195,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 75,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 1 $ 205,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 435,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ n/a 1 $ 585,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 245,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 215,000
River City Bank
228 NORTH 2ND AVENUE
ROME, GA 30165
* $ n/a 1 $ 165,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 1 $ 365,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 1 $ 65,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 595,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 215,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 295,000
Southwest Airlines FCU
2340 SHORECREST
DALLAS, TX 75235
* $ n/a 1 $ 95,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 1 $ 165,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ n/a 1 $ 145,000
Ubank
208 S US HIGHWAY 69
HUNTINGTON, TX 75949
* $ n/a 1 $ 355,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 195,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ n/a 1 $ 305,000
The Citizens Bank of Georgia
651 VETERANS MEMORIAL BLVD
CUMMING, GA 30040
* $ n/a 1 $ 175,000
American Federal Mortgage Corporation
360 ROUTE 24
CHESTER, NJ 07930
* $ n/a 1 $ 435,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 145,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 255,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ n/a 1 $ 55,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 1 $ 245,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 1 $ 515,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 195,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ n/a 1 $ 335,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 1 $ 155,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ n/a 1 $ 725,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 245,000
Peach State Federal Credit Union
1505 LAKES PARKWAY, SUITE 100
LAWRENCEVILLE, GA 30043
* $ n/a 1 $ 205,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 395,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 225,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 1 $ 145,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ n/a 1 $ 305,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 115,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 1 $ 195,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 1 $ 285,000
Educational Systems FCU
PO BOX 179
GREENBELT, MD 20768
* $ n/a 1 $ 35,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 605,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 1 $ 165,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 215,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 1 $ 485,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ n/a 1 $ 235,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 1 $ 195,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 175,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 165,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 385,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ n/a 1 $ 385,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 1 $ 175,000

The tables below break down 2024 mortgage applications in Clay 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 Clay County, NC in 2024

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 233 $61,295,000 $263,000 $1,445,000 $127,000 $1,689,000
Cash-out Refinancing 79 $19,635,000 $248,000 $1,055,000 $79,000 $253,000
Refinancing 69 $14,805,000 $214,000 $605,000 $102,000 $276,000
Home Improvement 66 $6,460,000 $97,000 $455,000 $293,000 $7,200,000
Other Purpose 57 $6,105,000 $107,000 $685,000 $107,000 $910,000
Not Applicable 0 $0 $0 $0 $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
White 413 $87,585,000 $212,000 $1,445,000 $120,000 $1,800,000
Not Provided 35 $8,615,000 $246,000 $1,055,000 $114,000 $350,000
Not applicable 31 $7,465,000 $240,000 $535,000 $238,000 $238,000
Hispanic 15 $2,335,000 $155,000 $305,000 $195,000 $1,800,000
American Indian or Alaskan Native 5 $1,115,000 $223,000 $365,000 $1,507,000 $7,200,000
Asian 2 $710,000 $355,000 $545,000 $91,000 $145,000
Black or African American 2 $420,000 $210,000 $315,000 $71,000 $74,000
Native Hawaiian or Other Pacific Islander 1 $55,000 $55,000 $55,000 $108,000 $108,000

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) 394 $76,960,000 $195,000 $1,445,000 $150,000 $7,200,000
FHA-insured (Federal Housing Administration) 58 $12,910,000 $222,000 $405,000 $63,000 $136,000
VA-guaranteed (Veterans Administration) 52 $18,430,000 $354,000 $1,055,000 $101,000 $215,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 269 $57,215,000 $212,000 $1,445,000 $128,000 $1,689,000
Application Denied By Financial Institution 94 $16,060,000 $170,000 $685,000 $199,000 $7,200,000
Application Withdrawn By Applicant 74 $20,010,000 $270,000 $1,055,000 $106,000 $360,000
Loan Purchased By The Institution 29 $6,985,000 $240,000 $535,000 $238,000 $238,000
File Closed For Incompleteness 24 $4,640,000 $193,000 $435,000 $84,000 $240,000
Application Approved But Not Accepted 13 $3,115,000 $239,000 $605,000 $109,000 $321,000
Preapproval Approved but not Accepted 1 $275,000 $275,000 $275,000 $206,000 $206,000
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 406 $91,290,000 $224,000 $1,445,000 $121,000 $1,689,000
Debt-To-Income Ratio 32 $6,890,000 $215,000 $545,000 $84,000 $229,000
Credit History 26 $3,040,000 $116,000 $385,000 $66,000 $128,000
Collateral 12 $2,030,000 $169,000 $685,000 $159,000 $910,000
Credit Application Incomplete 12 $1,970,000 $164,000 $305,000 $96,000 $199,000
Unverifiable Information 6 $1,250,000 $208,000 $255,000 $648,000 $1,800,000
Other 5 $725,000 $145,000 $305,000 $1,513,000 $7,200,000
Insufficient Cash (Downpayment, Closing Cost) 4 $940,000 $235,000 $295,000 $81,000 $162,000
Employment History 1 $165,000 $165,000 $165,000 $15,000 $15,000
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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