Gates County, NC Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 487 mortgage applications in Gates County, NC totaling $64.6 million, down 3% from 2015. The average application was for $132,000, and applicants reported an average income of $50,000. 39% of applications resulted in an originated loan and 28% were denied. The most active lender was Wells Fargo Bank NA, with 43 applications, followed by Vanderbilt Mortgage and Finance, Inc and Navy Federal Credit Union.

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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 487
Total Mortgage Loan Application Amount $64,647,000
Average Mortgage Loan Application Amount $132,000
Highest Mortgage Loan Application Amount $368,000
Average Applicant Income $50,000
Highest Applicant Income $810,000

Mortgage Company List for Lending in Gates County, NC for 2016

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 43 $ 5,916,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 41 $ 3,586,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 28 $ 2,567,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 31,820,569,000 28 $ 3,233,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 28 $ 4,714,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 17 $ 2,897,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ 10,000,000 15 $ 2,326,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 13 $ 1,678,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 13 $ 1,744,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 13 $ 1,552,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 9 $ 1,390,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 9 $ 1,880,000
Bayport Credit Union
2107 HARTFORD RD, SUITE B
NEWPORT NEWS, VA 23606
* $ 1,448,703,000 8 $ 1,012,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 7 $ 295,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 7 $ 800,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ 100,000,000 7 $ 1,161,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 6 $ 956,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 5 $ 508,000
Southern Bank and Trust Compan
PO BOX 729
MT OLIVE, NC 28365
* $ 2,113,101,000 5 $ 587,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 5 $ 1,051,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 5 $ 636,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 4 $ 670,000
Bronco Federal Credit Union
135 STEWART DR
FRANKLIN, VA 23851
* $ 180,407,000 4 $ 50,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 1,588,631,000 4 $ 347,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 4 $ 584,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 4 $ 481,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 4 $ 619,000
George Mason Mortgage LLC
4100 MONUMENT CORNER DRIVE #100
FAIRFAX, VA 22030
* $ 630,414,000 4 $ 601,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 4 $ 481,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 4 $ 609,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 4 $ 251,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 6,296,584,000 4 $ 608,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 4 $ 521,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 4 $ 533,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 214,636,000 3 $ 390,000
Agcarolina Farm Credit, Aca
PO BOX 14789 4000 POOLE ROAD
RALEIGH, NC 27610
* $ 1,067,630,000,000 3 $ 646,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 3 $ 329,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 3 $ 407,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 3 $ 413,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 3 $ 427,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 3 $ 369,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 363,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ 2,113,710,000 3 $ 592,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ 2,150,111,000 3 $ 145,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 3 $ 30,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 31,373,540,000 2 $ 227,000
Bank of North Carolina
3980 PREMIER DR. STE 150
HIGH POINT, NC 27265
* $ 5,666,188,000 2 $ 336,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 2 $ 40,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 2 $ 359,000
Abnb Federal Credit Union
830 GREENBRIER CIRCLE
CHESAPEAKE, VA 23320
* $ 513,709,000 2 $ 133,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 59,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 2 $ 159,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 252,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 363,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 284,507,000 2 $ 482,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 2 $ 415,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 380,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 2 $ 401,000
Amerisouth Mortgage Company
2101 SARDIS RD N STE 120
CHARLOTTE, NC 28227
* $ 10,000,000 2 $ 254,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 2 $ 348,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 2 $ 252,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 464,368,000 2 $ 505,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 187,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 167,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 1 $ 196,000
Peoples National Bank
5175 N ACADEMY BLVD
COLORADO SPRINGS, CO 80918
* $ 353,555,000 1 $ 144,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 135,000
Southern Trust Mortgage, LLC
4433 CORPORATION LANE SUITE 300
VIRGINIA BEACH, VA 23462
* $ 41,745,000 1 $ 179,000
Tidewater Home Funding, LLC
1108 EDEN WAY
CHESAPEAKE, VA 23320
* $ 10,000,000 1 $ 268,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ 819,504,000 1 $ 240,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 88,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ 10,000,000 1 $ 81,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 1 $ 186,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ 1,400,000,000 1 $ 77,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 1 $ 177,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ 29,436,748,000 1 $ 238,000
Farmers Bank, Windsor, Virginia
50 E WINDSOR BLVD
WINDSOR, VA 23487
* $ 415,015,000 1 $ 160,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 208,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 152,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 95,747,000 1 $ 89,000
First South Bank
1311 CAROLINA AVE
WASHINGTON, NC 27889
* $ 945,698,000 1 $ 25,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 340,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 160,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 190,000
Newtowne Mortgage, LLC
600 22ND STREET SUITE 301
SUFFOLK, VA 23451
* $ 4,044,874,000 1 $ 266,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 89,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 79,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 107,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ 10,000,000 1 $ 283,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 1 $ 33,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ 18,193,000 1 $ 58,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 170,000
Northern Star Credit Union Inc.
5100 GEORGE WASHINGTON HWY
PORTSMOUTH, VA 23702
* $ 83,998,000 1 $ 5,000
Gateway Bank Mortgage, Inc.
901 E CAREY STREET, SUITE 1700
RICHMOND, VA 23219
* $ 2,072,742,000 1 $ 190,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 1 $ 51,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 138,620,635,000 1 $ 163,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 1 $ 155,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 1 $ 266,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 1 $ 191,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,099,687,000 1 $ 150,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 1 $ 152,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 1 $ 217,000

The tables below break down 2016 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 2016

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 246 $36,624,000 $148,000 $342,000 $42,000 $155,000
Home Purchase 200 $26,546,000 $132,000 $368,000 $59,000 $810,000
Home Improvement 41 $1,477,000 $36,000 $170,000 $57,000 $125,000

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 283 $38,327,000 $135,000 $368,000 $57,000 $810,000
Black or African American 104 $12,553,000 $120,000 $244,000 $40,000 $135,000
Not Provided 49 $6,260,000 $127,000 $342,000 $57,000 $160,000
Not applicable 37 $5,554,000 $150,000 $333,000 $11,000 $123,000
Hispanic 6 $766,000 $127,000 $187,000 $68,000 $92,000
American Indian or Alaskan Native 5 $691,000 $138,000 $225,000 $43,000 $69,000
Native Hawaiin or Other Pacific Islander 2 $162,000 $81,000 $102,000 $66,000 $108,000
Asian 1 $334,000 $334,000 $334,000 $70,000 $70,000

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) 247 $27,615,000 $111,000 $342,000 $65,000 $810,000
FHA-insured (Federal Housing Administration) 125 $16,604,000 $132,000 $368,000 $39,000 $172,000
VA-guaranteed (Veterans Administration) 108 $19,485,000 $180,000 $334,000 $31,000 $179,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $943,000 $134,000 $175,000 $30,000 $37,000

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 192 $26,122,000 $136,000 $333,000 $58,000 $810,000
Application Denied By Financial Institution 137 $17,107,000 $124,000 $342,000 $49,000 $179,000
Loan Purchased By The Institution 58 $9,041,000 $155,000 $333,000 $31,000 $172,000
Application Withdrawn By Applicant 52 $7,255,000 $139,000 $368,000 $49,000 $134,000
File Closed For Incompleteness 36 $3,529,000 $98,000 $283,000 $38,000 $92,000
Application Approved But Not Accepted 12 $1,593,000 $132,000 $202,000 $77,000 $454,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
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
Credit History 20 $1,309,000 $65,000 $189,000 $42,000 $98,000
Collateral 15 $2,504,000 $166,000 $342,000 $57,000 $100,000
Debt-To-Income Ratio 11 $1,141,000 $103,000 $194,000 $53,000 $88,000
Other 9 $1,567,000 $174,000 $340,000 $82,000 $179,000
Credit Application Incomplete 7 $739,000 $105,000 $224,000 $49,000 $82,000
Unverifiable Information 3 $373,000 $124,000 $138,000 $54,000 $61,000
Employment History 1 $160,000 $160,000 $160,000 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 1 $53,000 $53,000 $53,000 $12,000 $12,000
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