Duplin County, NC Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,341 mortgage applications in Duplin County, NC totaling $198.5 million, down 23% from 2022. The average application was for $147,000, and applicants reported an average income of $84,000. 42% of applications resulted in an originated loan and 28% were denied. The most active lender was State Employees' Credit Union, with 208 applications, followed by 21st Mortgage and Vanderbilt Mortgage and Finance, Inc.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in North Carolina.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,341
Total Mortgage Loan Application Amount $198,465,000
Average Mortgage Loan Application Amount $147,000
Highest Mortgage Loan Application Amount $715,000
Average Applicant Income $84,000
Highest Applicant Income $1,257,000

Mortgage Company List for Lending in Duplin County, NC for 2023

* 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
* $ 50,970,402,000 208 $ 21,410,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 190 $ 25,210,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 80 $ 8,360,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 50 $ 6,690,000
Southern Bank and Trust Company
PO BOX 729
MOUNT OLIVE, NC 28365
* $ 4,592,140,000 37 $ 4,425,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 109,180,139,000 35 $ 4,075,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 31 $ 5,815,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 31 $ 6,425,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 28 $ 5,430,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 27 $ 6,755,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 26 $ 3,940,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 3,862,063,000 20 $ 1,410,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 20 $ 1,760,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 19 $ 3,495,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 18 $ 2,270,000
First Bank
PO BOX 508
SOUTHERN PINES, NC 28387
* $ 10,625,188,000 18 $ 2,960,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 18 $ 2,770,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 17 $ 2,895,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 15 $ 2,825,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 14 $ 2,860,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 12 $ 2,980,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 12 $ 2,990,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 12 $ 900,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 10 $ 1,560,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 10 $ 1,750,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 23,954,627,000 10 $ 700,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 9 $ 1,615,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 8 $ 2,650,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 43,726,588,000 8 $ 1,040,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 8 $ 1,480,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 8 $ 800,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 3,098,582,000 8 $ 2,140,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,430,409,000 7 $ 475,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 7 $ 1,505,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 2,247,746,000 7 $ 505,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 7 $ 905,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 7 $ 1,365,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 800,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 6 $ 1,130,000
Agcarolina Farm Credit, Aca
PO BOX 14789 4000 POOLE ROAD
RALEIGH, NC 27610
* $ -1,000 6 $ 1,830,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 6 $ 1,070,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 4,131,234,000 6 $ 410,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 6 $ 1,440,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 6 $ 1,190,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 5 $ 1,025,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 5 $ 865,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ 4,597,785,000 5 $ 305,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 5 $ 495,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 43,900,126,000 5 $ 575,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 4 $ 600,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 4 $ 730,000
Primis Bank

GLEN ALLEN, VA 23060
* $ -1,000 4 $ 870,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 2,040,399,000 3 $ 395,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 375,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 3 $ 495,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 3 $ 615,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 725,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 1,085,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ -1,000 3 $ 695,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ 1,947,436,000 3 $ 135,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 3 $ 735,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 445,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 3 $ 325,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 3 $ 245,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 21,228,609,000 3 $ 955,000
Resource Financial Services, Inc.
2717 DEVINE STREET
COLUMBIA, SC 29201
* $ -1,000 3 $ 545,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 1,991,593,000 3 $ 415,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 475,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 665,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 3 $ 555,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 1,065,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 3 $ 205,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 3 $ 645,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 3 $ 445,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 15,845,722,000 2 $ 220,000
Civic Financial Services, LLC
2015 MANHATTAN BEACH BLVD STE 106
GLENDALE, CA 90278
* $ -1,000 2 $ 250,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 2 $ 500,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 18,739,008,000 2 $ 70,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 41,842,515,000 2 $ 210,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 370,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 2 $ 460,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 400,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 2 $ 360,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 2 $ 280,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 530,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 150,000
Marine Federal Credit Union
4180 WESTERN BLVD
JACKSONVILLE, NC 28546
* $ 936,353,000 2 $ 80,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ -1,000 2 $ 320,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,722,761,000 2 $ 230,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ -1,000 2 $ 620,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 2 $ 410,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 2 $ 360,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 230,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 340,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 2 $ 260,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 2 $ 260,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 2 $ 270,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 2 $ 230,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 210,000
North State Bank
6200 FALLS OF THE NEUSE ROAD
RALEIGH, NC 27609
* $ 1,303,891,000 2 $ 290,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 2,725,398,000 1 $ 95,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 1 $ 255,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 475,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 85,000
Bellco Credit Union
7600 E. ORCHARD ROAD #400N
GREENWOOD VILLAGE, CO 80111
* $ 7,362,214,000 1 $ 55,000
Core Bank
12100 W CENTER RD
OMAHA, NE 68118
* $ 974,972,000 1 $ 155,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 245,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 95,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 9,815,951,000 1 $ 105,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 5,264,106,000 1 $ 85,000
Fidelity Direct Mortgage, LLC
438 NORTH FREDERICK AVE SUITE 315
GAITHERSBURG, MD 20877
* $ -1,000 1 $ 245,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 2,138,111,000 1 $ 25,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 389,402,000 1 $ 355,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 1 $ 325,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 4,087,397,000 1 $ 705,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ -1,000 1 $ 115,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 65,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 225,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 145,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 1 $ 195,000
Agriculture Federal Credit Union
1400 INDEPENDENCE AVE SW
WASHINGTON, DC 20250
* $ 365,721,000 1 $ 35,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 335,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,995,485,000 1 $ 215,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ -1,000 1 $ 215,000
Coastal Bank & Trust
2414 N MARINE BLVD
JACKSONVILLE, NC 28546
* $ 191,806,000 1 $ 25,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ 3,140,875,000 1 $ 205,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 78,672,073,000 1 $ 155,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ -1,000 1 $ 205,000
Skyla Federal Credit Union
718 CENTRAL AVENUE
CHARLOTTE, NC 28209
* $ 1,149,259,000 1 $ 75,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 4,471,539,000 1 $ 355,000
Sabine State Bank and Trust Company
765 SHREVEPORT HWY
MANY, LA 71449
* $ 1,298,588,000 1 $ 85,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 16,117,865,000 1 $ 55,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 1 $ 55,000
The Fidelity Bank
100 S. MAIN STREET
FUQUAY-VARINA, NC 27526
* $ 3,729,898,000 1 $ 555,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 14,304,653,000 1 $ 215,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 215,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 1 $ 45,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ -1,000 1 $ 685,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 145,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 1 $ 105,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 386,799,237,000 1 $ 25,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 2,739,271,000 1 $ 105,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 165,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 2,192,809,000 1 $ 515,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 26,819,331,000 1 $ 655,000
Loanleaders of America, Inc
38 EXECUTIVE PARK, SUITE 260
IRVINE, CA 92614
* $ -1,000 1 $ 175,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 385,000
Summit Credit Union
8210 WEST MARKET ST
GREENSBORO, NC 27409
* $ 336,647,000 1 $ 45,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 45,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 16,706,914,000 1 $ 165,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 1 $ 155,000

The tables below break down 2023 mortgage applications in Duplin 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 Duplin County, NC in 2023

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 780 $136,580,000 $175,000 $715,000 $77,000 $416,000
Other Purpose 165 $14,595,000 $88,000 $405,000 $107,000 $1,257,000
Cash-out Refinancing 148 $25,660,000 $173,000 $605,000 $72,000 $224,000
Home Improvement 139 $9,505,000 $68,000 $355,000 $101,000 $1,120,000
Refinancing 104 $11,710,000 $112,000 $505,000 $87,000 $218,000
Not Applicable 5 $415,000 $83,000 $185,000 $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
White 753 $112,445,000 $149,000 $715,000 $90,000 $1,257,000
Black or African American 233 $30,515,000 $130,000 $715,000 $72,000 $210,000
Not Provided 140 $20,080,000 $143,000 $605,000 $81,000 $341,000
Hispanic 106 $14,840,000 $140,000 $365,000 $69,000 $416,000
Not applicable 92 $17,540,000 $190,000 $685,000 $89,000 $112,000
American Indian or Alaskan Native 10 $2,020,000 $202,000 $415,000 $89,000 $265,000
Asian 4 $420,000 $105,000 $165,000 $88,000 $205,000
Native Hawaiian or Other Pacific Islander 1 $275,000 $275,000 $275,000 $119,000 $119,000

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) 987 $126,875,000 $128,000 $715,000 $87,000 $1,257,000
FHA-insured (Federal Housing Administration) 200 $37,170,000 $185,000 $475,000 $68,000 $196,000
VA-guaranteed (Veterans Administration) 135 $31,655,000 $234,000 $515,000 $85,000 $224,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $2,765,000 $145,000 $195,000 $62,000 $87,000

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 566 $87,790,000 $155,000 $715,000 $93,000 $1,257,000
Application Denied By Financial Institution 369 $44,845,000 $121,000 $605,000 $70,000 $1,120,000
Application Withdrawn By Applicant 170 $28,740,000 $169,000 $715,000 $86,000 $257,000
File Closed For Incompleteness 116 $14,870,000 $128,000 $705,000 $78,000 $416,000
Loan Purchased By The Institution 84 $17,230,000 $205,000 $685,000 $98,000 $224,000
Application Approved But Not Accepted 35 $4,815,000 $137,000 $245,000 $76,000 $168,000
Preapproval Denied by Financial Institution 1 $175,000 $175,000 $175,000 $52,000 $52,000
Preapproval Approved but not Accepted 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 968 $153,340,000 $158,000 $715,000 $90,000 $1,257,000
Credit History 168 $18,650,000 $111,000 $455,000 $76,000 $1,120,000
Debt-To-Income Ratio 114 $14,650,000 $128,000 $605,000 $54,000 $222,000
Collateral 39 $5,225,000 $133,000 $455,000 $88,000 $190,000
Credit Application Incomplete 19 $2,515,000 $132,000 $255,000 $78,000 $168,000
Unverifiable Information 15 $1,705,000 $113,000 $205,000 $50,000 $126,000
Other 8 $850,000 $106,000 $155,000 $124,000 $234,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,095,000 $156,000 $245,000 $66,000 $84,000
Employment History 3 $435,000 $145,000 $225,000 $63,000 $96,000
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.

Download the North Carolina Lender List