Gates County, NC Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 849 mortgage applications in Gates County, NC totaling $66.2 million. The average application was for $77,000, and applicants reported an average income of $47,000. 43% of applications resulted in an originated loan and 23% were denied. The most active lender was Vanderbilt Mortgage, with 44 applications, followed by Wells Fargo Home Mortgage and Washington Mutual Bank.
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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 | 849 |
| Total Mortgage Loan Application Amount | $66,166,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $320,000 |
| Average Applicant Income | $47,000 |
| Highest Applicant Income | $540,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 44 | $ 1,643,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 40 | $ 3,872,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 37 | $ 3,185,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 15,707,315,000 | 36 | $ 3,021,000 |
| Essex Savings Bank, FSB 410 N CENTER DR NORFOLK, VA 23502 |
* | $ 314,684,000 | 35 | $ 3,327,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 30 | $ 2,058,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 27 | $ 2,321,000 |
| Southern Bank and Trust Company PO BOX 729 MOUNT OLIVE, NC 28365 |
* | $ 902,407,000 | 27 | $ 2,074,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 25 | $ 1,989,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 24 | $ 2,437,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 23 | $ 1,791,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 21 | $ 1,825,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 20 | $ 1,408,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 115,148,694,000 | 19 | $ 1,427,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 65,629,555,000 | 18 | $ 1,760,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 17 | $ 1,646,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 17 | $ 291,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 16 | $ 1,741,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 16 | $ 1,560,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 14 | $ 1,022,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 11 | $ 648,000 |
| First VA Bank-Hampton Roads 223 WEST NASH STREET WILSON, NC 27893 |
* | $ 1,154,897,000 | 11 | $ 763,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 11 | $ 1,046,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 9 | $ 327,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 9 | $ 431,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 8 | $ 744,000 |
| Keybank USA, N.A. 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 8,943,095,000 | 7 | $ 72,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 7 | $ 559,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 6 | $ 441,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,567,878,000 | 6 | $ 598,000 |
| The Cit Group/Consumer Finance 650 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 1,358,138,000 | 6 | $ 418,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,448,525,000 | 6 | $ 428,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 6 | $ 174,000 |
| First-Citizens Bank & Trust Co 16 E ROWAN STREET RALEIGH, NC 27609 |
* | $ 11,084,972,000 | 6 | $ 409,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 221,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 6 | $ 717,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 5 | $ 510,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 5 | $ 448,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 5 | $ 432,000 |
| Southern Trust Mortgage, LLC 150 BOUSH STREET #400 NORFOLK, VA 23510 |
* | $ 10,000,000 | 5 | $ 416,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 5 | $ 470,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 404,000 |
| Oakwood Acceptance Corporation 7800 MCCLOUD ROAD GREENSBORO, NC 27409 |
* | $ 10,000,000 | 4 | $ 300,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 395,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 4 | $ 406,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 763,970,000 | 4 | $ 392,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 115,148,694,000 | 4 | $ 282,000 |
| Guaranty Residential Lending 1300 S. MOPAC EXPWY AUSTIN, TX 78746 |
* | $ 9,102,046,000 | 4 | $ 318,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 314,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 4 | $ 312,000 |
| Enterprise Mortgage Corporatio 525 VIKING DRIVE VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 4 | $ 390,000 |
| First Greensboro Home Equity 1801 STANLEY RD, STE 400 GREENSBORO, NC 27407 |
* | $ 10,000,000 | 4 | $ 198,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 4 | $ 502,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 4 | $ 320,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ 835,506,000 | 4 | $ 243,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 4 | $ 272,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 3 | $ 265,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 275,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 44,835,341,000 | 3 | $ 341,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 206,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 3 | $ 104,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 12,348,756,000 | 3 | $ 320,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 255,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 3 | $ 205,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 3 | $ 217,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 8,575,434,000 | 3 | $ 187,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 210,000 |
| Rbc Mortgage P O BOX 1220 ROCKY MOUNT, NC 27802 |
* | $ 2,163,315,000 | 3 | $ 314,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 2 | $ 67,000 |
| Sebring Capital Partners, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 2 | $ 185,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 2 | $ 239,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 2 | $ 159,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 2 | $ 160,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 26,723,000,000 | 2 | $ 220,000 |
| Watermark Financial Partners 4582 S ULSTER ST, SUITE 300 DENVER, CO 80237 |
* | $ 10,000,000 | 2 | $ 213,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,366,324,000 | 2 | $ 152,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 2 | $ 204,000 |
| First South Bank 1311 CAROLINA AVE WASHINGTON, NC 27889 |
* | $ 628,073,000 | 2 | $ 179,000 |
| First Bancorp Mortgage Corpora 11818 ROCK LANDING DRIVE SUITE 100 NEWPORT NEWS, VA 23606 |
* | $ 10,000,000 | 2 | $ 153,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 2 | $ 156,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 100,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 55,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 2 | $ 170,000 |
| 1st Choice Mortgage/Equity Cor 1021 BRIARGATE CIRCLE COLUMBIA, SC 29210 |
* | $ 10,000,000 | 2 | $ 187,000 |
| Citimortgage, Inc 1 COURT SQUARE, 45TH FLOOR, ZONE 15 LONG ISLAND CITY, NY 11120 |
* | $ 281,018,000,000 | 2 | $ 129,000 |
| Concorde Acceptance Corporatio 7929 BROOKRIVER DR., SUITE 500 DALLAS, TX 75247 |
* | $ 10,000,000 | 2 | $ 169,000 |
| Conseco Bank, Inc. 2825 E. COTTONWOOD PARKWAY, SUITE 230 SALT LAKE CITY, UT 84121 |
* | $ 3,042,016,000 | 1 | $ 14,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 849,279,000 | 1 | $ 74,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 13,961,613,000 | 1 | $ 118,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Best Rate Funding Corp 2 MAC ARTHUR PLACE, STE. 800 SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Aegis Mortgage Corporation 3250 BRIARPARK DRIVE, SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 83,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Xenith Bank 901 E. CARY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 295,401,000 | 1 | $ 70,000 |
| Beach Municipal FCU 4164 VIRGINIA BEACH BLVD VIRGINIA BEACH, VA 23452 |
* | $ 80,344,000 | 1 | $ 103,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Aurora Loan Services 10350 PARK MEADOWS DRIVE LITTLETON, CO 80124 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Full Spectrum Lending 35 N. LAKE AVENUE MS 55-11 PASADENA, CA 91101 |
* | $ 58,034,697,000 | 1 | $ 80,000 |
| Gateway First Mortgage, LLC 3232 NEWMARK DR. MIAMISBURG, OH 45342 |
* | $ 17,479,333,000 | 1 | $ 108,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 59,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 2,195,215,000 | 1 | $ 40,000 |
| First Franklin Financial Corp. 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 592,000,000 | 1 | $ 56,000 |
| Eastern Savings Bank, FSB EXEC PLAZA II - 11350 MCCORMICK RD HUNT VALLEY, MD 21031 |
* | $ 652,011,000 | 1 | $ 77,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 23,392,515,000 | 1 | $ 20,000 |
| HSBC Bank, USA ONE HSBC CENTER/24TH FLOOR BUFFALO, NY 14203 |
* | $ 86,415,769,000 | 1 | $ 85,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 9,508,220,000 | 1 | $ 97,000 |
| Intercoastal Mortgage, LLC 3232 NEWMARK DR. MIAMISBURG, OH 45342 |
* | $ 17,479,303,000 | 1 | $ 79,000 |
| Lasalle Bank Midwest, NA 2600 WEST BIG BEAVER ROAD TROY, MI 48084 |
* | $ 45,882,072,000 | 1 | $ 12,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 57,441,766,000 | 1 | $ 20,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 85,000 |
| Greenpoint Bank 5032 PARKWAY PLAZA BLVD CHARLOTTE, NC 28217 |
* | $ 21,814,445,000 | 1 | $ 100,000 |
| Sunset Mortgage Company, L.P. 3 DICKENSON DRIVE CHADDS FORD, PA 19317 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Transland Financial Services 2701 MAITLAND CENTER PARKWAY, STE 300 MAITLAND, FL 32751 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Tidewater Home Funding, LLC 1108 EDEN WAY NORTH CHESAPEAKE, VA 23320 |
* | $ 10,000,000 | 1 | $ 81,000 |
| United First Mortgage 1503 SANTA ROSA ROAD, SUITE 109 RICHMOND, VA 23229 |
* | $ 13,934,000 | 1 | $ 107,000 |
| Wells Fargo Fin'l No Carolina 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,070,857,000 | 1 | $ 35,000 |
| Worthington Federal Bank 3301 MEMORIAL PARKWAY SW HUNTSVILLE, AL 35801 |
* | $ 59,388,000 | 1 | $ 83,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Mortgage Lenders of America, L 8400 WEST 110TH SUITE 500 OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Msdw Credit Corporation 2500 LAKE COOK RD RIVERWOODS, IL 60015 |
* | $ 10,000,000 | 1 | $ 10,000 |
| Merrill Lynch Credit Corp. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 1 | $ 65,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 91,000 |
| Nbank, N.A. 1731 NORTH ELM STREET COMMERCE, GA 30529 |
* | $ 335,210,000 | 1 | $ 45,000 |
| Sib Mortgage Corp. 195 MONTAGUE STREET BROOKLYN, NY 11201 |
* | $ 2,646,970,000 | 1 | $ 93,000 |
| Sidus Financial, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Slm Financial Corporation 300 CONTINENTAL DRIVE NEWARK, DE 19713 |
* | $ 10,000,000 | 1 | $ 3,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 1 | $ 50,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 4,586,886,000 | 1 | $ 44,000 |
| Pinnacle Direct Funding Corpor 2611 TECHNOLOGY DRIVE ORLANDO, FL 32804 |
* | $ 10,000,000 | 1 | $ 92,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 59,635,661,000 | 1 | $ 18,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 1 | $ 94,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 108,000 |
The tables below break down 2003 mortgage applications in Gates 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 Gates County, NC in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 547 | $45,398,000 | $82,000 | $320,000 | $49,000 | $540,000 |
| Home Purchase (one-to-four family) | 253 | $19,958,000 | $78,000 | $237,000 | $40,000 | $288,000 |
| Home Improvement (one-to-four family) | 49 | $810,000 | $16,000 | $110,000 | $61,000 | $350,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 468 | $39,714,000 | $84,000 | $320,000 | $51,000 | $540,000 |
| Information not provided by applicant in mail or telephone application | 156 | $10,567,000 | $67,000 | $180,000 | $50,000 | $350,000 |
| Black | 133 | $7,932,000 | $59,000 | $151,000 | $43,000 | $288,000 |
| Not applicable | 63 | $5,481,000 | $87,000 | $165,000 | $5,000 | $66,000 |
| Other | 21 | $1,864,000 | $88,000 | $160,000 | $69,000 | $463,000 |
| Hispanic | 5 | $415,000 | $83,000 | $98,000 | $41,000 | $64,000 |
| American Indian or Alaskan Native | 3 | $193,000 | $64,000 | $73,000 | $36,000 | $102,000 |
| Asian or 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) | 712 | $53,224,000 | $74,000 | $320,000 | $52,000 | $540,000 |
| FHA-insured (Federal Housing Administration) | 76 | $7,200,000 | $94,000 | $162,000 | $26,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 61 | $5,742,000 | $94,000 | $158,000 | $27,000 | $89,000 |
| 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 | 367 | $29,551,000 | $80,000 | $320,000 | $49,000 | $350,000 |
| Application Denied By Financial Institution | 193 | $13,611,000 | $70,000 | $175,000 | $53,000 | $540,000 |
| Loan Purchased By The Institution | 120 | $10,601,000 | $88,000 | $235,000 | $19,000 | $110,000 |
| Application Withdrawn By Applicant | 89 | $7,098,000 | $79,000 | $237,000 | $54,000 | $240,000 |
| Application Approved But Not Accepted | 66 | $4,236,000 | $64,000 | $315,000 | $57,000 | $288,000 |
| File Closed For Incompleteness | 14 | $1,069,000 | $76,000 | $126,000 | $57,000 | $240,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 42 | $2,815,000 | $67,000 | $160,000 | $54,000 | $250,000 |
| Collateral | 32 | $2,912,000 | $91,000 | $163,000 | $73,000 | $463,000 |
| Other | 25 | $1,627,000 | $65,000 | $160,000 | $46,000 | $540,000 |
| Debt-To-Income Ratio | 14 | $918,000 | $65,000 | $140,000 | $42,000 | $115,000 |
| Credit Application Incomplete | 13 | $1,359,000 | $104,000 | $175,000 | $41,000 | $106,000 |
| Unverifiable Information | 1 | $97,000 | $97,000 | $97,000 | $71,000 | $71,000 |
| Employment History | 1 | $77,000 | $77,000 | $77,000 | $75,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $38,000 | $38,000 |
| 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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