Entegra Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Entegra Bank 2018 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Entegra Bank 14 One Center Court Franklin, NC 28734 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 936 |
| Total Mortgage Loan Application Amount | $213,850,000 |
| Average Mortgage Loan Application Amount | $187,400 |
| Highest Mortgage Loan Application Amount | $2,685,000 |
| Average Applicant Income | $98,400 |
| Highest Applicant Income | $1,847,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Entegra Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Entegra Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Entegra Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Entegra Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Entegra Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Entegra Bank's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Macon County North Carolina | 239 | $ 42,785,000 | $ 179,000 | $ 97,000 |
| Jackson County North Carolina | 110 | $ 28,360,000 | $ 257,000 | $ 145,000 |
| Buncombe County North Carolina | 66 | $ 23,370,000 | $ 354,000 | $ 168,000 |
| Pickens County South Carolina | 58 | $ 14,980,000 | $ 258,000 | $ 149,000 |
| Henderson County North Carolina | 51 | $ 12,205,000 | $ 239,000 | $ 100,000 |
| Haywood County North Carolina | 44 | $ 9,840,000 | $ 223,000 | $ 118,000 |
| Polk County North Carolina | 36 | $ 8,270,000 | $ 229,000 | $ 121,000 |
| Cherokee County North Carolina | 33 | $ 3,875,000 | $ 117,000 | $ 76,000 |
| Transylvania County North Carolina | 32 | $ 8,050,000 | $ 251,000 | $ 117,000 |
| Anderson County South Carolina | 31 | $ 7,635,000 | $ 246,000 | $ 123,000 |
| Greenville County South Carolina | 30 | $ 6,640,000 | $ 221,000 | $ 148,000 |
| Pickens County Georgia | 26 | $ 2,100,000 | $ 80,000 | $ 50,000 |
| Oconee County South Carolina | 21 | $ 5,705,000 | $ 271,000 | $ 234,000 |
| Spartanburg County South Carolina | 21 | $ 11,515,000 | $ 548,000 | $ 94,000 |
| Gilmer County Georgia | 16 | $ 1,950,000 | $ 121,000 | $ 49,000 |
| Swain County North Carolina | 12 | $ 2,280,000 | $ 190,000 | $ 88,000 |
| Barrow County Georgia | 11 | $ 1,135,000 | $ 103,000 | $ 240,000 |
| Hall County Georgia | 8 | $ 4,140,000 | $ 517,000 | $ 83,000 |
| Towns County Georgia | 7 | $ 1,075,000 | $ 153,000 | $ 130,000 |
| Rabun County Georgia | 6 | $ 920,000 | $ 153,000 | $ 110,000 |
| Fannin County Georgia | 5 | $ 735,000 | $ 147,000 | $ 53,000 |
| Laurens County South Carolina | 5 | $ 1,435,000 | $ 287,000 | $ 113,000 |
| Cherokee County Georgia | 4 | $ 910,000 | $ 227,000 | $ 131,000 |
| Paulding County Georgia | 4 | $ 370,000 | $ 92,000 | $ 35,000 |
| Union County Georgia | 3 | $ 525,000 | $ 175,000 | $ 60,000 |
| Clay County North Carolina | 3 | $ 525,000 | $ 175,000 | $ 154,000 |
| McDowell County North Carolina | 3 | $ 725,000 | $ 241,000 | $ 139,000 |
| Rutherford County North Carolina | 3 | $ 395,000 | $ 131,000 | $ 49,000 |
| McCormick County South Carolina | 3 | $ 435,000 | $ 145,000 | $ 81,000 |
| Richland County South Carolina | 3 | $ 365,000 | $ 121,000 | $ 0 |
| Glynn County Georgia | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Gwinnett County Georgia | 2 | $ 350,000 | $ 175,000 | $ 191,000 |
| Catawba County North Carolina | 2 | $ 360,000 | $ 180,000 | $ 61,000 |
| Madison County North Carolina | 2 | $ 590,000 | $ 295,000 | $ 168,000 |
| Mecklenburg County North Carolina | 2 | $ 330,000 | $ 165,000 | $ 48,000 |
| Charleston County South Carolina | 2 | $ 590,000 | $ 295,000 | $ 112,000 |
| Cherokee County South Carolina | 2 | $ 210,000 | $ 105,000 | $ 42,000 |
| Georgetown County South Carolina | 2 | $ 550,000 | $ 275,000 | $ 78,000 |
| District of Columbia County District Of Columbia | 1 | $ 85,000 | $ 85,000 | $ 10,000 |
| Alachua County Florida | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Bay County Florida | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Lake County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Banks County Georgia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Bartow County Georgia | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Forsyth County Georgia | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Gordon County Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Jackson County Georgia | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Murray County Georgia | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| New York County New York | 1 | $ 25,000 | $ 25,000 | $ 154,000 |
| Brunswick County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Burke County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 223,000 |
| Caldwell County North Carolina | 1 | $ 875,000 | $ 875,000 | $ 446,000 |
| Graham County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 169,000 |
| Lee County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Orange County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Wake County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Beaufort County South Carolina | 1 | $ 375,000 | $ 375,000 | $ 238,000 |
| Greenwood County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 64,000 |
| Lexington County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| York County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 92,000 |
| Cocke County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Polk County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 12,000 |
| Sevier County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Grays Harbor County Washington | 1 | $ 15,000 | $ 15,000 | $ 202,000 |
Mortgage Loan Application Detail Totals for Entegra Bank in 2018
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 | 662 | $158,090,000 | $238,000 | $2,685,000 | $123,000 | $1,847,000 |
| Refinancing | 153 | $32,305,000 | $211,000 | $1,755,000 | $114,000 | $759,000 |
| Cash-out Refinancing | 93 | $19,645,000 | $211,000 | $955,000 | $90,000 | $348,000 |
| Other Purpose | 23 | $3,095,000 | $134,000 | $565,000 | $98,000 | $715,000 |
| Home Improvement | 5 | $715,000 | $143,000 | $295,000 | $67,000 | $89,000 |
| 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 | 753 | $155,845,000 | $206,000 | $1,505,000 | $117,000 | $1,847,000 |
| Not applicable | 101 | $42,535,000 | $421,000 | $2,685,000 | $0 | $0 |
| Not Provided | 32 | $6,170,000 | $192,000 | $505,000 | $167,000 | $1,294,000 |
| Hispanic | 21 | $3,525,000 | $167,000 | $645,000 | $71,000 | $263,000 |
| Black or African American | 13 | $2,415,000 | $185,000 | $395,000 | $73,000 | $236,000 |
| Asian | 11 | $2,235,000 | $203,000 | $455,000 | $102,000 | $287,000 |
| American Indian or Alaskan Native | 4 | $880,000 | $220,000 | $385,000 | $245,000 | $616,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $92,000 | $92,000 |
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) | 935 | $213,765,000 | $228,000 | $2,685,000 | $117,000 | $1,847,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $85,000 | $85,000 | $85,000 | $15,000 | $15,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 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 | 614 | $149,350,000 | $243,000 | $2,685,000 | $130,000 | $1,847,000 |
| Application Denied By Financial Institution | 146 | $26,590,000 | $182,000 | $805,000 | $76,000 | $356,000 |
| Application Withdrawn By Applicant | 96 | $21,000,000 | $218,000 | $1,005,000 | $107,000 | $815,000 |
| File Closed For Incompleteness | 59 | $13,675,000 | $231,000 | $1,005,000 | $128,000 | $800,000 |
| Application Approved But Not Accepted | 21 | $3,235,000 | $154,000 | $475,000 | $85,000 | $203,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 790 | $187,260,000 | $237,000 | $2,685,000 | $126,000 | $1,847,000 |
| Debt-To-Income Ratio | 52 | $11,510,000 | $221,000 | $665,000 | $52,000 | $170,000 |
| Credit History | 48 | $7,580,000 | $157,000 | $735,000 | $69,000 | $233,000 |
| Other | 21 | $3,825,000 | $182,000 | $805,000 | $161,000 | $356,000 |
| Collateral | 19 | $2,865,000 | $150,000 | $385,000 | $88,000 | $184,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $535,000 | $107,000 | $205,000 | $42,000 | $64,000 |
| Unverifiable Information | 1 | $275,000 | $275,000 | $275,000 | $76,000 | $76,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Entegra Bank's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Entegra Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.