Graham County, NC Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 261 mortgage applications in Graham County, NC totaling $38.8 million, up 7% from 2014. The average application was for $148,000, and applicants reported an average income of $85,000. 47% of applications resulted in an originated loan and 26% were denied. The most active lender was United Community Bank, with 51 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 | 261 |
| Total Mortgage Loan Application Amount | $38,807,000 |
| Average Mortgage Loan Application Amount | $148,000 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $1,053,000 |
* 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 |
|---|---|---|---|---|
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,530,159,000 | 51 | $ 6,555,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 29,477,544,000 | 40 | $ 4,265,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 21 | $ 1,692,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 11 | $ 2,047,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 11 | $ 2,124,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,458,059,000 | 10 | $ 1,007,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 21,553,919,000 | 7 | $ 855,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 7 | $ 1,848,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 1,491,000 |
| Entegra Bank 14 ONE CENTER COURT FRANKLIN, NC 28734 |
* | $ 903,208,000 | 7 | $ 1,061,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 253,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 5 | $ 968,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 5 | $ 781,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 5 | $ 1,761,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 4 | $ 517,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 3 | $ 342,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 230,280,000,000 | 2 | $ 316,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 309,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 259,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 199,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 2 | $ 370,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 2 | $ 172,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 848,339,000 | 1 | $ 500,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ 1,112,478,000 | 1 | $ 15,000 |
| Hometrust Bank PO BOX 10 ASHEVILLE, NC 28802 |
* | $ 2,615,026,000 | 1 | $ 315,000 |
| Avenue Bank 111 TENTH AVENUE SOUTH, STE 400 NASHVILLE, TN 32703 |
* | $ 997,562,000 | 1 | $ 400,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 691,345,000 | 1 | $ 412,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 295,168,000 | 1 | $ 180,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 189,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 1,834,761,000 | 1 | $ 480,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 1 | $ 417,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 124,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 192,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 351,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 1 | $ 80,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 107,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 73,000 |
| Asheville Savings Bank, SSB PO BOX 652 ASHEVILLE, NC 28802 |
* | $ 757,402,000 | 1 | $ 126,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 118,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 463,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 1 | $ 102,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 27,356,000,000 | 1 | $ 401,000 |
| Banksouth 6340 LAKE OCONEE PARKWAY GREENSBORO, GA 30642 |
* | $ 380,330,000 | 1 | $ 405,000 |
| Communityone Bank, N.A. 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 2,210,134,000 | 1 | $ 329,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,827,707,000 | 1 | $ 84,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 1 | $ 106,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 108,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 87,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 135,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 260,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 301,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 119,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 100,000 |
| Hamilton Home Loans, Inc. 1551 SAWGRASS CORPORATE PARKWAY, STE 300 SUNRISE, FL 33323 |
* | $ 10,000,000 | 1 | $ 145,000 |
The tables below break down 2015 mortgage applications in Graham 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 Graham County, NC in 2015
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 | 117 | $15,630,000 | $133,000 | $600,000 | $78,000 | $382,000 |
| Refinancing | 116 | $21,098,000 | $181,000 | $990,000 | $99,000 | $1,053,000 |
| Home Improvement | 28 | $2,079,000 | $74,000 | $627,000 | $58,000 | $322,000 |
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 | 219 | $32,122,000 | $146,000 | $990,000 | $88,000 | $1,053,000 |
| Not Provided | 18 | $3,355,000 | $186,000 | $480,000 | $121,000 | $400,000 |
| Not applicable | 12 | $2,483,000 | $206,000 | $674,000 | $10,000 | $79,000 |
| American Indian or Alaskan Native | 10 | $730,000 | $73,000 | $135,000 | $50,000 | $86,000 |
| Black or African American | 1 | $73,000 | $73,000 | $73,000 | $19,000 | $19,000 |
| Hispanic | 1 | $44,000 | $44,000 | $44,000 | $36,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 225 | $34,044,000 | $151,000 | $990,000 | $91,000 | $1,053,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,976,000 | $165,000 | $330,000 | $50,000 | $79,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,356,000 | $104,000 | $260,000 | $39,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $431,000 | $86,000 | $135,000 | $40,000 | $58,000 |
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 | 123 | $19,809,000 | $161,000 | $990,000 | $107,000 | $1,053,000 |
| Application Denied By Financial Institution | 69 | $8,464,000 | $122,000 | $412,000 | $63,000 | $420,000 |
| Application Withdrawn By Applicant | 30 | $4,438,000 | $147,000 | $384,000 | $85,000 | $400,000 |
| File Closed For Incompleteness | 18 | $1,773,000 | $98,000 | $301,000 | $50,000 | $136,000 |
| Loan Purchased By The Institution | 13 | $2,913,000 | $224,000 | $674,000 | $38,000 | $200,000 |
| Application Approved But Not Accepted | 8 | $1,410,000 | $176,000 | $315,000 | $82,000 | $216,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $1,556,000 | $141,000 | $412,000 | $77,000 | $234,000 |
| Credit History | 8 | $783,000 | $97,000 | $164,000 | $54,000 | $192,000 |
| Debt-To-Income Ratio | 5 | $428,000 | $85,000 | $132,000 | $52,000 | $132,000 |
| Credit Application Incomplete | 4 | $694,000 | $173,000 | $212,000 | $68,000 | $135,000 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $31,000 | $31,000 |
| Unverifiable Information | 1 | $79,000 | $79,000 | $79,000 | $420,000 | $420,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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