Graham County, NC Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 494 mortgage applications in Graham County, NC totaling $94.2 million, up 6% from 2020. The average application was for $190,000, and applicants reported an average income of $106,000. 56% of applications resulted in an originated loan and 17% were denied. The most active lender was United Community Bank, with 75 applications, followed by State Employees' Credit Union and First Ciitizens Bank and Trust.

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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 494
Total Mortgage Loan Application Amount $94,220,000
Average Mortgage Loan Application Amount $190,000
Highest Mortgage Loan Application Amount $1,325,000
Average Applicant Income $106,000
Highest Applicant Income $2,016,000

Mortgage Company List for Lending in Graham County, NC for 2021

* 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
GREENVILLE, SC 29601
* $ 12,887,120,000 75 $ 11,765,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 41,376,687,000 73 $ 9,935,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 39,787,666,000 43 $ 9,365,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 17 $ 1,835,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 11 $ 1,675,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 10 $ 1,730,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 9 $ 1,775,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 9 $ 1,165,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 8 $ 1,850,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 2,234,264,000 8 $ 580,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 8 $ 1,510,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 8 $ 1,490,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 1,940,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 7 $ 2,015,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 6 $ 1,290,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 6 $ 1,410,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 5 $ 915,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 780,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 4 $ 1,170,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 4 $ 870,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 950,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 4 $ 810,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 4 $ 1,580,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 4 $ 1,630,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 4 $ 290,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 1,165,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 695,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 3 $ 885,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 18,156,981,000 3 $ 865,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 605,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 250,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 320,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 2 $ 280,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 2,494,603,000 2 $ 430,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 2 $ 420,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 260,000
Carolina Farm Credit, Aca
P O BOX 1827
STATESVILLE, NC 28625
* $ -1,000 2 $ 830,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ 659,197,000 2 $ 310,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 2 $ 640,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 2 $ 330,000
Visio Financial Services Inc.
1905 KRAMER LN B700
WILMINGTON, DE 78758
* $ -1,000 2 $ 380,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 380,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 2 $ 630,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 330,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ 37,441,578,000 2 $ 680,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 510,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 2 $ 320,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 2 $ 520,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 2 $ 630,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 2 $ 300,000
Mortgage Financial Group Inc
1100 E ALFRED ST
TAVARES, FL 32778
* $ -1,000 1 $ 85,000
Certainty Home Loans, LLC
6101 WEST PLANO PARKWAY
WILMINGTON, DE 75093
* $ -1,000 1 $ 165,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 1 $ 165,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 1 $ 785,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 145,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 135,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 11,550,782,000 1 $ 95,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 295,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 475,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 285,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 320,471,996,000 1 $ 85,000
Knoxville Tva Employees Credit Union
301 WALL AVE
KNOXVILLE, TN 37932
* $ 2,430,831,000 1 $ 145,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 195,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 135,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ 3,468,407,000 1 $ 645,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 255,000
American Commercial Bank & Trust, National Association
701 LASALLE ST
OTTAWA, IL 61350
* $ 452,096,000 1 $ 245,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 175,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 1 $ 155,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 1 $ 205,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 17,136,249,000 1 $ 235,000
Sprout Mortgage, LLC
1759 ST LUCIE W BLVD
PORT LUCIE, FL 34986
* $ -1,000 1 $ 215,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 2,711,723,000 1 $ 95,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ -1,000 1 $ 185,000
Mortgage Network, Inc.
99 CONIFER HILL DR
DANVERS, MA 01923
* $ -1,000 1 $ 155,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 785,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 275,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 165,000
Corporate Investors Mortgage G
1414 RALEIGH RD STE 400
CHAPEL HILL, NC 27517
* $ -1,000 1 $ 45,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 63,780,722,000 1 $ 305,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 1,095,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 135,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,789,845,000 1 $ 205,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 2,678,315,000 1 $ 105,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 165,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 175,000
Ithink Financial Credit Union
1000 NW 17TH AVENUE
DELRAY BEACH, FL 33445
* $ 1,532,195,000 1 $ 175,000
Community National Bank
401 W. TEXAS AVE.
MIDLAND, TX 79701
* $ 1,435,230,000 1 $ 335,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 215,000
Signature Mortgage Corporation
4790 DOUGLAS CIRCLE NW
CANTON, OH 44718
* $ -1,000 1 $ 125,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 205,000
Colten Mortgage, LLC
6021 S SYRACUSE WAY STE 104
GREENWOOD VILLAGE, CO 80111
* $ -1,000 1 $ 275,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 17,659,319,000 1 $ 385,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 275,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 43,126,164,000 1 $ 305,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 1 $ 165,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 1 $ 135,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 115,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 1 $ 105,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 1 $ 225,000

The tables below break down 2021 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 2021

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 229 $51,045,000 $222,000 $1,325,000 $118,000 $2,016,000
Refinancing 139 $24,865,000 $178,000 $785,000 $97,000 $645,000
Cash-out Refinancing 75 $14,435,000 $192,000 $515,000 $88,000 $900,000
Other Purpose 29 $1,635,000 $56,000 $215,000 $109,000 $264,000
Home Improvement 22 $2,240,000 $101,000 $405,000 $89,000 $460,000
Not Applicable 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 401 $71,985,000 $179,000 $1,325,000 $104,000 $2,016,000
Not Provided 52 $13,140,000 $252,000 $1,095,000 $120,000 $407,000
Not applicable 16 $3,420,000 $213,000 $365,000 $0 $0
American Indian or Alaskan Native 12 $2,140,000 $178,000 $315,000 $62,000 $115,000
Hispanic 8 $1,760,000 $220,000 $435,000 $130,000 $262,000
Black or African American 3 $1,125,000 $375,000 $915,000 $286,000 $702,000
Asian 1 $445,000 $445,000 $445,000 $19,000 $19,000
Native Hawaiian 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) 431 $81,545,000 $189,000 $1,325,000 $110,000 $2,016,000
VA-guaranteed (Veterans Administration) 37 $8,605,000 $232,000 $385,000 $65,000 $176,000
FHA-insured (Federal Housing Administration) 25 $3,935,000 $157,000 $295,000 $52,000 $99,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $135,000 $135,000 $135,000 $62,000 $62,000

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 275 $52,325,000 $190,000 $1,235,000 $105,000 $750,000
Application Denied By Financial Institution 84 $14,880,000 $177,000 $1,325,000 $94,000 $900,000
Application Withdrawn By Applicant 63 $13,955,000 $221,000 $745,000 $140,000 $2,016,000
File Closed For Incompleteness 43 $7,525,000 $175,000 $915,000 $86,000 $702,000
Loan Purchased By The Institution 16 $3,440,000 $215,000 $365,000 $151,000 $212,000
Application Approved But Not Accepted 13 $2,095,000 $161,000 $305,000 $82,000 $241,000
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
Not applicable 410 $79,340,000 $193,000 $1,235,000 $108,000 $2,016,000
Debt-To-Income Ratio 26 $6,470,000 $248,000 $1,325,000 $67,000 $374,000
Credit History 22 $2,360,000 $107,000 $305,000 $85,000 $389,000
Collateral 14 $2,320,000 $165,000 $545,000 $88,000 $226,000
Credit Application Incomplete 9 $1,285,000 $142,000 $325,000 $169,000 $900,000
Other 7 $1,525,000 $217,000 $635,000 $155,000 $268,000
Unverifiable Information 6 $920,000 $153,000 $345,000 $65,000 $174,000
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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