Graham County, NC Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 391 mortgage applications in Graham County, NC totaling $84.9 million, down 21% from 2021. The average application was for $217,000, and applicants reported an average income of $125,000. 60% of applications resulted in an originated loan and 13% were denied. The most active lender was State Employees' Credit Union, with 79 applications, followed by United Community Bank 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 391
Total Mortgage Loan Application Amount $84,855,000
Average Mortgage Loan Application Amount $217,000
Highest Mortgage Loan Application Amount $1,375,000
Average Applicant Income $125,000
Highest Applicant Income $3,046,000

Mortgage Company List for Lending in Graham County, NC for 2022

* 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
* $ 51,653,025,000 79 $ 11,805,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 20,897,645,000 52 $ 5,070,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 58,215,736,000 21 $ 4,875,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 20 $ 2,830,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 3,281,700,000 13 $ 2,115,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 7 $ 1,875,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 7 $ 1,545,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 6 $ 1,090,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 6 $ 1,640,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 5 $ 1,205,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 5 $ 1,065,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 5 $ 1,495,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,758,936,000 5 $ 2,305,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 5 $ 1,255,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 4 $ 1,200,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 4 $ 420,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 4 $ 940,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 4 $ 1,400,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 4 $ 2,470,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 3 $ 1,145,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 3 $ 735,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 855,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 1,165,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 535,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 655,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 3 $ 365,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 3 $ 1,235,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 515,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 695,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 2 $ 540,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 670,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 2 $ 340,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 2 $ 340,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 2 $ 910,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 2 $ 520,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 23,754,594,000 2 $ 1,020,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 2 $ 420,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ -1,000 2 $ 1,330,000
George Mason Mortgage, LLC
4100 MONUMENT CORNER DRIVE #100
PRINCE WILLIAM, VA 22030
* $ -1,000 2 $ 440,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 370,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 650,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 2 $ 720,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 2 $ 1,570,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 265,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 375,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 135,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 1 $ 55,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 1 $ 95,000
Fundloans Capital
12481 HIGH BLUFF DR STE 150
SAN DIEGO, CA 92130
* $ -1,000 1 $ 885,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 57,224,306,000 1 $ 435,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 1 $ 185,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 155,000
First Bank
PO BOX 508
TROY, NC 27371
* $ 10,516,825,000 1 $ 365,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ 3,502,617,000 1 $ 335,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 8,802,432,000 1 $ 45,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,565,203,000 1 $ 135,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 1 $ 55,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 105,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ 4,195,308,000 1 $ 15,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ 908,003,000 1 $ 95,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 95,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 345,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 5,652,968,000 1 $ 305,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 175,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 285,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 1 $ 45,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ -1,000 1 $ 505,000
Cumberland Valley National Bank & Trust Co
PO BOX 709
LONDON, KY 40743
* $ 724,587,000 1 $ 225,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 285,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 55,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 105,000
Peoples Bank of East Tennessee
4511 U.S. HWY 411
MADISONVILLE, TN 37354
* $ 359,686,000 1 $ 515,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,230,840,000 1 $ 375,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 295,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 235,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 420,502,000,000 1 $ 355,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 1 $ 225,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 1 $ 275,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 1 $ 205,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 20,248,406,000 1 $ 345,000
Federated Mortgage Corp
1301 GRANDVIEW AVE SUITE #100
PITTSBURGH, PA 15211
* $ -1,000 1 $ 295,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 1 $ 205,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 385,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 365,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ 4,623,157,000 1 $ 255,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 155,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 115,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 265,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 1,095,000
Carolina Farm Credit, Aca
P O BOX 1827
STATESVILLE, NC 28625
* $ -1,000 1 $ 685,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 105,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 445,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 423,958,417,000 1 $ 245,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 195,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 275,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 105,000
Southeast Financial Credit Union
220 S ROYAL OAKS BLVD
FRANKLIN, TN 37064
* $ 457,336,000 1 $ 215,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 235,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 1 $ 355,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 245,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 215,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 9,535,304,000 1 $ 645,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 155,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 3,863,597,000 1 $ 215,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 39,468,318,000 1 $ 295,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ -1,000 1 $ 265,000

The tables below break down 2022 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 2022

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 198 $53,200,000 $268,000 $1,375,000 $147,000 $3,046,000
Refinancing 72 $11,970,000 $166,000 $855,000 $91,000 $540,000
Cash-out Refinancing 64 $14,590,000 $227,000 $645,000 $113,000 $416,000
Other Purpose 34 $3,200,000 $94,000 $305,000 $113,000 $414,000
Home Improvement 23 $1,895,000 $82,000 $355,000 $113,000 $480,000
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 324 $64,920,000 $200,000 $1,005,000 $122,000 $3,046,000
Not Provided 29 $9,995,000 $344,000 $1,375,000 $170,000 $708,000
Not applicable 14 $4,920,000 $351,000 $1,375,000 $207,000 $207,000
American Indian or Alaskan Native 13 $2,245,000 $172,000 $345,000 $106,000 $219,000
Black or African American 5 $835,000 $167,000 $235,000 $62,000 $94,000
Asian 4 $1,240,000 $310,000 $605,000 $113,000 $167,000
Hispanic 2 $700,000 $350,000 $485,000 $239,000 $285,000
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) 341 $72,795,000 $213,000 $1,375,000 $132,000 $3,046,000
VA-guaranteed (Veterans Administration) 29 $7,765,000 $267,000 $435,000 $80,000 $204,000
FHA-insured (Federal Housing Administration) 21 $4,295,000 $204,000 $385,000 $74,000 $140,000
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 233 $48,165,000 $206,000 $1,375,000 $134,000 $3,046,000
Application Denied By Financial Institution 52 $10,080,000 $193,000 $1,005,000 $89,000 $540,000
Application Withdrawn By Applicant 48 $12,780,000 $266,000 $995,000 $141,000 $471,000
File Closed For Incompleteness 26 $5,360,000 $206,000 $415,000 $104,000 $270,000
Loan Purchased By The Institution 17 $5,825,000 $342,000 $1,375,000 $227,000 $313,000
Application Approved But Not Accepted 13 $2,155,000 $165,000 $285,000 $74,000 $101,000
Preapproval Approved but not Accepted 2 $490,000 $245,000 $295,000 $110,000 $138,000
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 338 $74,260,000 $219,000 $1,375,000 $131,000 $3,046,000
Credit History 21 $2,835,000 $135,000 $345,000 $65,000 $124,000
Debt-To-Income Ratio 17 $5,355,000 $315,000 $1,005,000 $84,000 $360,000
Unverifiable Information 6 $860,000 $143,000 $265,000 $105,000 $300,000
Collateral 4 $780,000 $195,000 $415,000 $110,000 $200,000
Credit Application Incomplete 2 $410,000 $205,000 $225,000 $300,000 $540,000
Other 2 $320,000 $160,000 $245,000 $53,000 $55,000
Employment History 1 $35,000 $35,000 $35,000 $101,000 $101,000
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.

Download the North Carolina Lender List