Graham County, NC Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 325 mortgage applications in Graham County, NC totaling $44.2 million, up 25% from 2015. The average application was for $135,000, and applicants reported an average income of $72,000. 48% of applications resulted in an originated loan and 27% were denied. The most active lender was State Employees' Credit Union, with 64 applications, followed by United Community Bank and loanDepot.com LLC.
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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 | 325 |
| Total Mortgage Loan Application Amount | $44,159,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $656,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $716,000 |
* 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 |
|---|---|---|---|---|
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 31,820,569,000 | 64 | $ 7,432,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 9,592,631,000 | 46 | $ 5,053,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 17 | $ 2,249,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 16 | $ 1,567,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 31,373,540,000 | 16 | $ 1,775,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,588,631,000 | 15 | $ 1,552,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 12 | $ 873,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 7 | $ 1,047,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 5 | $ 324,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 5 | $ 742,000 |
| Entegra Bank 14 ONE CENTER COURT FRANKLIN, NC 28734 |
* | $ 1,030,865,000 | 5 | $ 1,120,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 1,171,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 1,168,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 1,047,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 291,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 4 | $ 405,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 768,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 3 | $ 815,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 3 | $ 666,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 376,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 3 | $ 179,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 475,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 3 | $ 376,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 55,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 455,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 352,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 213,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 222,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 2 | $ 513,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 273,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 3,845,946,000 | 2 | $ 541,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 161,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 651,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 256,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 145,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 259,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Mortgage Financial Group Inc 1100 E ALFRED ST TAVARES, FL 32778 |
* | $ 6,578,137,000 | 1 | $ 87,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 988,439,000 | 1 | $ 87,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,502,221,000 | 1 | $ 276,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 1 | $ 127,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 18,900,720,000 | 1 | $ 207,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 132,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 645,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 123,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 220,000 |
| Hamilton Home Loans, Inc. 1551 SAWGRASS CORPORATE PARKWAY, STE 300 SUNRISE, FL 33323 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 208,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 246,485,756,000 | 1 | $ 95,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 188,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 170,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 1 | $ 140,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 1 | $ 129,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 651,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Bank of Central Florida 5015 SOUTH FLORIDA AVENUE LAKELAND, FL 33813 |
* | $ 412,470,000 | 1 | $ 43,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Mortgage Lenders Investment Tr 1400 INTERNATIONAL PARKWAY SOUTH SUITE 1000 LAKE MARY LAKE MARY, FL 32746 |
* | $ 2,578,000 | 1 | $ 313,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 90,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 256,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 276,000 |
| Telco Community Credit Union 712 NEW LEICESTER HWY. CANDLER, NC 28715 |
* | $ 147,312,000 | 1 | $ 130,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 4,882,500,000 | 1 | $ 221,000 |
| Progress Bank and Trust 201 WILLIAMS AVENUE HUNTSVILLE, AL 35801 |
* | $ 635,254,000 | 1 | $ 61,000 |
| First Tn Bk NA 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 7,451,485,000 | 1 | $ 396,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 170,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 343,000 |
The tables below break down 2016 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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 154 | $19,713,000 | $128,000 | $651,000 | $75,000 | $559,000 |
| Refinancing | 144 | $23,164,000 | $160,000 | $656,000 | $71,000 | $716,000 |
| Home Improvement | 27 | $1,282,000 | $47,000 | $276,000 | $63,000 | $162,000 |
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 | 276 | $36,953,000 | $133,000 | $656,000 | $73,000 | $716,000 |
| Not Provided | 21 | $2,813,000 | $133,000 | $293,000 | $101,000 | $419,000 |
| Not applicable | 15 | $2,799,000 | $186,000 | $651,000 | $39,000 | $182,000 |
| Hispanic | 6 | $778,000 | $129,000 | $343,000 | $62,000 | $80,000 |
| American Indian or Alaskan Native | 5 | $568,000 | $113,000 | $160,000 | $44,000 | $77,000 |
| Black or African American | 2 | $248,000 | $124,000 | $143,000 | $28,000 | $56,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other 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) | 271 | $34,274,000 | $126,000 | $538,000 | $79,000 | $716,000 |
| VA-guaranteed (Veterans Administration) | 32 | $7,673,000 | $239,000 | $656,000 | $41,000 | $123,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,532,000 | $102,000 | $168,000 | $45,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $680,000 | $97,000 | $165,000 | $19,000 | $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 | 157 | $21,297,000 | $135,000 | $651,000 | $76,000 | $420,000 |
| Application Denied By Financial Institution | 88 | $9,790,000 | $111,000 | $366,000 | $59,000 | $419,000 |
| Application Withdrawn By Applicant | 35 | $5,296,000 | $151,000 | $417,000 | $81,000 | $559,000 |
| Loan Purchased By The Institution | 26 | $4,200,000 | $161,000 | $651,000 | $80,000 | $716,000 |
| File Closed For Incompleteness | 10 | $2,028,000 | $202,000 | $656,000 | $67,000 | $291,000 |
| Application Approved But Not Accepted | 9 | $1,548,000 | $172,000 | $370,000 | $69,000 | $121,000 |
| 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 | 12 | $1,246,000 | $103,000 | $170,000 | $58,000 | $148,000 |
| Debt-To-Income Ratio | 8 | $955,000 | $119,000 | $255,000 | $36,000 | $98,000 |
| Credit History | 6 | $686,000 | $114,000 | $207,000 | $69,000 | $123,000 |
| Credit Application Incomplete | 3 | $292,000 | $97,000 | $124,000 | $120,000 | $135,000 |
| Other | 2 | $334,000 | $167,000 | $221,000 | $79,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $90,000 | $90,000 | $90,000 | $314,000 | $314,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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