Lincoln County, NC Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 5,554 mortgage applications in Lincoln County, NC totaling $1.6 billion, up 17% from 2024. The average application was for $286,000, and applicants reported an average income of $149,000. 53% of applications resulted in an originated loan and 15% were denied. The most active lender was State Employees' Credit Union, with 357 applications, followed by PennyMac Loan Services LLC and United Wholesale Mortgage.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 5,554
Total Mortgage Loan Application Amount $1,589,110,000
Average Mortgage Loan Application Amount $286,000
Highest Mortgage Loan Application Amount $4,445,000
Average Applicant Income $149,000
Highest Applicant Income $9,437,000

Mortgage Company List for Lending in Lincoln County, NC for 2025

* 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
* $ n/a 357 $ 72,825,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 215 $ 85,975,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 189 $ 55,535,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 167 $ 42,715,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 163 $ 37,855,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 155 $ 29,755,000
Peoples Bank
518 WEST C STREET
NEWTON, NC 28658
* $ n/a 147 $ 38,245,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 136 $ 49,360,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 132 $ 20,940,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 119 $ 39,365,000
First Federal Savings Bank of Lincolnton
320 EAST MAIN STREET
LINCOLNTON, NC 28092
* $ n/a 117 $ 34,635,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 114 $ 36,500,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 102 $ 25,050,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 102 $ 24,220,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ n/a 83 $ 11,935,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 79 $ 24,405,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 78 $ 27,740,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 73 $ 24,165,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 73 $ 20,965,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 69 $ 21,845,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 68 $ 15,020,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 60 $ 21,370,000
Inspire Home Loans Inc.
4695 MACARTHUR COURT SUITE 350
NEWPORT BEACH, CA 92660
* $ n/a 60 $ 19,740,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 57 $ 19,155,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 56 $ 14,260,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 56 $ 8,420,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 56 $ 18,520,000
Kbhs Home Loans, LLC

CHICAGO, IL 60613
* $ n/a 53 $ 16,975,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 48 $ 3,580,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 47 $ 15,255,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ n/a 47 $ 18,525,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 43 $ 3,655,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 42 $ 12,970,000
NVR Mortgage Finance, Inc.

PITTSBURGH, PA 15276
* $ n/a 38 $ 16,640,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 38 $ 7,600,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 36 $ 11,020,000
Shea Mortgage Inc.
14350 N. 87TH STREET, SUITE 350
SCOTTSDALE, AZ 85260
* $ n/a 36 $ 14,990,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 35 $ 3,845,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 34 $ 9,640,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 33 $ 13,525,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 33 $ 17,685,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ n/a 32 $ 8,820,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 31 $ 3,155,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 31 $ 13,465,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 31 $ 11,535,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ n/a 30 $ 2,740,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 30 $ 7,150,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 27 $ 10,115,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 27 $ 2,715,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 25 $ 4,515,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 25 $ 4,085,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 24 $ 9,210,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 24 $ 9,860,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 24 $ 4,710,000
Skyla Federal Credit Union
718 CENTRAL AVENUE
CHARLOTTE, NC 28209
* $ n/a 24 $ 2,530,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 21 $ 4,565,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 20 $ 5,870,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 20 $ 3,600,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 19 $ 5,995,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ n/a 18 $ 7,220,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 18 $ 4,010,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 17 $ 3,845,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ n/a 16 $ 3,950,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 16 $ 4,130,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ n/a 16 $ 5,320,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 15 $ 4,435,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 15 $ 6,095,000
Founders Federal Credit Union
737 PLANTATION ROAD
LANCASTER, SC 29720
* $ n/a 15 $ 4,305,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 14 $ 6,680,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 14 $ 4,390,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ n/a 13 $ 5,285,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 13 $ 3,655,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 13 $ 6,495,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 13 $ 2,595,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 13 $ 2,805,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 13 $ 2,355,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 13 $ 5,315,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 12 $ 3,280,000
The Fidelity Bank
100 S. MAIN STREET
FUQUAY-VARINA, NC 27526
* $ n/a 11 $ 3,345,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 11 $ 4,725,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 11 $ 2,765,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ n/a 11 $ 1,255,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 11 $ 4,365,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 11 $ 6,365,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 10 $ 2,430,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 10 $ 3,840,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 10 $ 2,900,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ n/a 10 $ 4,790,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 10 $ 3,680,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 10 $ 4,590,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ n/a 10 $ 1,520,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 10 $ 3,460,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 9 $ 3,365,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ n/a 9 $ 3,085,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ n/a 9 $ 1,185,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 9 $ 3,075,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 9 $ 8,115,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ n/a 9 $ 3,245,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ n/a 9 $ 2,625,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 9 $ 3,065,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ n/a 9 $ 1,375,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 9 $ 2,115,000
Carolinas Telco FCU
PO BOX 668467
CHARLOTTE, NC 28266
* $ n/a 9 $ 1,305,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 8 $ 3,800,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ n/a 8 $ 2,340,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ n/a 8 $ 2,790,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 8 $ 2,220,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 8 $ 1,360,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 8 $ 3,170,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 8 $ 3,660,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 8 $ 4,090,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ n/a 7 $ 3,475,000
Bellco Credit Union
7600 E. ORCHARD ROAD #400N
GREENWOOD VILLAGE, CO 80111
* $ n/a 7 $ 585,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 7 $ 1,445,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 7 $ 5,685,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 7 $ 315,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 7 $ 1,935,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 7 $ 1,755,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 7 $ 1,795,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 7 $ 1,795,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 6 $ 2,350,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ n/a 6 $ 1,810,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 6 $ 2,270,000
Saygo Home Loans, LLC
8155 E INDIAN BEND RD, STE 107
SCOTTSDALE, AZ 85250
* $ n/a 6 $ 2,920,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 6 $ 2,880,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 6 $ 1,670,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 6 $ 2,160,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 6 $ 3,600,000
Rf Renovo Management Company, LLC
222 W ADAMS ST #1980
CHICAGO, IL 60606
* $ n/a 6 $ 2,060,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 6 $ 3,060,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ n/a 6 $ 1,600,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ n/a 6 $ 1,880,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 6 $ 2,880,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 5 $ 1,185,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 5 $ 1,445,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 5 $ 2,115,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 5 $ 1,895,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 5 $ 1,975,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 5 $ 2,575,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 5 $ 1,585,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 5 $ 765,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 5 $ 1,485,000
Uwharrie Bank
P.O. BOX 338
ALBEMARLE, NC 28002
* $ n/a 5 $ 1,925,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 5 $ 1,015,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 4 $ 560,000
Fort Financial Credit Union
3102 SPRING ST
FORT WAYNE, IN 46818
* $ n/a 4 $ 310,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 4 $ 1,820,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 4 $ 520,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 4 $ 640,000
Summit Credit Union
8210 WEST MARKET ST
GREENSBORO, NC 27409
* $ n/a 4 $ 320,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 4 $ 900,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 4 $ 1,390,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 4 $ 1,430,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 4 $ 1,080,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ n/a 4 $ 800,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 4 $ 1,870,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 4 $ 1,870,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 4 $ 470,000
Skyline National Bank
PO BOX 186
INDEPENDENCE, VA 24348
* $ n/a 4 $ 1,840,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ n/a 4 $ 1,490,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 4 $ 2,280,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 3 $ 1,205,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ n/a 3 $ 1,135,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 3 $ 1,145,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 3 $ 965,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 3 $ 315,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 3 $ 1,075,000
Originpoint, LLC
1800 W LARCHMONT AVE SUITE 305
CHICAGO, IL 60613
* $ n/a 3 $ 1,615,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 3 $ 1,075,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 3 $ 1,455,000
Carter Bank and Trust
PO BOX 3748
MARTINSVILLE, VA 24112
* $ n/a 3 $ 535,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 3 $ 355,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 3 $ 8,975,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ n/a 3 $ 265,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ n/a 3 $ 525,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 3 $ 445,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 3 $ 2,115,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 3 $ 735,000
Belmont Savings Bank
210 PARK STREET
BELMONT, NC 28012
* $ n/a 3 $ 1,025,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ n/a 3 $ 1,505,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ n/a 3 $ 505,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 3 $ 1,255,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 3 $ 1,155,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 3 $ 1,285,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 3 $ 795,000
First Bank
PO BOX 508
SOUTHERN PINES, NC 28387
* $ n/a 2 $ 750,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 2 $ 1,850,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 2 $ 220,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ n/a 2 $ 580,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 2 $ 210,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 650,000
Stg Mortgage Inc
18401 VON KARMAN AVENUE SUITE 440
IRVINE, CA 92612
* $ n/a 2 $ 600,000
Premier Lending Inc.

CHARLOTTE, NC 28277
* $ n/a 2 $ 730,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 2 $ 610,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 2 $ 470,000
Blueharbor Bank
106 CORPORATE PARK DRIVE, PO BOX 3546
MOORESVILLE, NC 28117
* $ n/a 2 $ 2,010,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ n/a 2 $ 1,180,000
Mortgage Assurance Inc
333 NORTH POINT CENTER E SUITE 230
ALPHARETTA, GA 30022
* $ n/a 2 $ 730,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 2 $ 570,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 2 $ 940,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 2 $ 850,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 2 $ 150,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 2 $ 490,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ n/a 2 $ 1,040,000
Rapid Mortgage Company
7870 E. KEMPER ROAD, SUITE 280
CINCINNATI, OH 45255
* $ n/a 2 $ 410,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 280,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 2 $ 2,300,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 590,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 2 $ 740,000
Success Lending, LLC

SCHAUMBURG, IL 60173
* $ n/a 2 $ 360,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 2 $ 490,000
Corevestamericanfinancelenderllc
1920 MAIN ST #850
IRVINE, CA 92614
* $ n/a 2 $ 280,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ n/a 2 $ 630,000
Taylorsville Savings Bank
107 MAIN AVE DR
TAYLORSVILLE, NC 28681
* $ n/a 2 $ 870,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 2 $ 550,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 2 $ 1,170,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 2 $ 190,000
All Credit Considered Mortgage, Inc.
1801 RESEARCH BLVD #410
ROCKVILLE, MD 20850
* $ n/a 2 $ 670,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 1,390,000
Commercial Bank
6710 CUMBERLAND GAP PARKWAY, PO BOX 400
HARROGATE, TN 37752
* $ n/a 2 $ 750,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 2 $ 990,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 2 $ 1,220,000
Emporium Tpo LLC

FRISCO, TX 75034
* $ n/a 2 $ 420,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ n/a 2 $ 450,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 2 $ 4,370,000
United Trust Bank
12330 S. HARLEM AVENUE
PALOS HEIGHTS, IL 60463
* $ n/a 2 $ 650,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 2 $ 960,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 2 $ 570,000
Residential Wholesale Mortgage
11234 EL CAMINO REAL #100
SAN DIEGO, CA 92130
* $ n/a 2 $ 840,000
Vista Point Mortgage, LLC
1920 MAIN ST SUITE 200
IRVINE, CA 92614
* $ n/a 2 $ 280,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 2 $ 550,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 2 $ 620,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 1 $ 805,000
Americhoice Federal Credit Union
2175 BUMBLE BEE HOLLOW ROAD
MECHANICSBURG, PA 17055
* $ n/a 1 $ 235,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 355,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ n/a 1 $ 505,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ n/a 1 $ 105,000
Crowdcopia LLC
42 E BALTIMORE AVE
LANSDOWNE, PA 19050
* $ n/a 1 $ 225,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ n/a 1 $ 165,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ n/a 1 $ 1,385,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 1 $ 515,000
Cazle Mortgage, Inc.
3 E HENRIETTA ST
BALTIMORE, MD 21220
* $ n/a 1 $ 215,000
Easy Street Capital LLC
1201 E CESAR CHAVEZ ST SUITE 1
AUSTIN, TX 78702
* $ n/a 1 $ 165,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ n/a 1 $ 645,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 135,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 1 $ 195,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ n/a 1 $ 2,625,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 1 $ 155,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ n/a 1 $ 125,000
Obsidian Financial Services
2351 WEST EAU GALLIE BLVD. SUITE 2
MELBOURNE, FL 32935
* $ n/a 1 $ 515,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 305,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 75,000
City Lending Inc.
8150 LEESBURG PIKE SUITE 405
VIENNA, VA 22182
* $ n/a 1 $ 285,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 265,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 1 $ 385,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ n/a 1 $ 715,000
Orchard Mortgage, LLC
8900 BUSINESS PARK DR
AUSTIN, TX 78705
* $ n/a 1 $ 545,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ n/a 1 $ 615,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ n/a 1 $ 65,000
Loansteady LLC
8401 GREENSBORO DRIVE SUITE 950
MCCLEAN, VA 22102
* $ n/a 1 $ 935,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 1 $ 445,000
Security Federal Bank
PO BOX 810
AIKEN, SC 29802
* $ n/a 1 $ 365,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ n/a 1 $ 55,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 1 $ 235,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 325,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 1 $ 165,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ n/a 1 $ 725,000
Keystone Funding, Inc
519 S RED HAVEN LN
DOVER, DE 19901
* $ n/a 1 $ 425,000
Interstate Home Loan Center, Inc.
40 MARCUS DRIVE SUITE 100
MELVILLE, NY 11747
* $ n/a 1 $ 495,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 105,000
Self Help Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ n/a 1 $ 285,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 375,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ n/a 1 $ 555,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 1 $ 205,000
Rogue Credit Union
1370 CENTER DRIVE
MEDFORD, OR 97501
* $ n/a 1 $ 85,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 1 $ 445,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 1 $ 155,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ n/a 1 $ 35,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 1 $ 335,000
Arvest Bank

TULSA, OK 74103
* $ n/a 1 $ 105,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 385,000
New Story Lending LLC

SENECA, SC 29678
* $ n/a 1 $ 395,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ n/a 1 $ 135,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ n/a 1 $ 175,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ n/a 1 $ 615,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ n/a 1 $ 435,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ n/a 1 $ 155,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 465,000
Putnam County Bank
P.O. BOX 308
HURRICANE, WV 25526
* $ n/a 1 $ 175,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 1 $ 405,000
First Alliance Home Mortgage, LLC
20 JACKSON DRIVE 2ND FLOOR
CRANFORD, NJ 07016
* $ n/a 1 $ 245,000
First Palmetto Bank
407 E DEKALB STREET
CAMDEN, SC 29020
* $ n/a 1 $ 235,000
Latino Community Credit Union
P.O. DRAWER 25279
DURHAM, NC 27709
* $ n/a 1 $ 205,000
Smartfi Home Loans

SAN DIEGO, CA 92122
* $ n/a 1 $ 85,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 285,000
Mlb Residential Lending, LLC
51 COMMERCE ST
SPRINGFIELD, NJ 07081
* $ n/a 1 $ 185,000
First Savings Mortgage Corporation
8444 WEST PARK DRIVE, THE 4TH FLOOR
MCLEAN, VA 22102
* $ n/a 1 $ 45,000
Family Trust Federal Credit Union
1615 PROGRESS WAY
ROCK HILL, SC 29730
* $ n/a 1 $ 175,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 155,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ n/a 1 $ 255,000
Kwik Mortgage Corporation
959 ROUTE 46 EAST, #401
PARSIPPANY, NJ 07054
* $ n/a 1 $ 375,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 1 $ 2,775,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 1 $ 455,000
Real Genius LLC
1625 S CONGRESS AVE STE 190
DELRAY BEACH, FL 33445
* $ n/a 1 $ 365,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ n/a 1 $ 655,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 525,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ n/a 1 $ 255,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ n/a 1 $ 175,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ n/a 1 $ 295,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ n/a 1 $ 385,000
Unmb Home Loans Inc
3601 HEMPSTEAD TPK. SUITE 300
LEVITTOWN, NY 11756
* $ n/a 1 $ 395,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ n/a 1 $ 665,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ n/a 1 $ 335,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 15,000
Farmers & Merchants Bank
138 N SALISBURY GQ AVE
GRANITE QUARRY, NC 28072
* $ n/a 1 $ 205,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ n/a 1 $ 185,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ n/a 1 $ 665,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 1 $ 95,000
New Peoples Bank, Inc
PO BOX 1810
HONAKER, VA 24260
* $ n/a 1 $ 255,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ n/a 1 $ 615,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ n/a 1 $ 55,000
Legacy Bank
20957 RIVERSIDE DRIVE
GRUNDY, VA 24614
* $ n/a 1 $ 345,000
Grand Bank for Savings, FSB
204 WESTOVER DRIVE
HATTIESBURG, MS 39404
* $ n/a 1 $ 65,000
Staunton Financial Inc
25800 NORTHWESTERN HIGHWAY SUITE 110
SOUTHFIELD, MI 48076
* $ n/a 1 $ 345,000

The tables below break down 2025 mortgage applications in Lincoln 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 Lincoln County, NC in 2025

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 2,710 $986,540,000 $364,000 $3,855,000 $157,000 $9,000,000
Cash-out Refinancing 908 $217,500,000 $239,000 $4,225,000 $118,000 $2,672,000
Refinancing 783 $236,415,000 $301,000 $4,445,000 $150,000 $4,043,000
Other Purpose 603 $85,755,000 $142,000 $3,765,000 $156,000 $9,437,000
Home Improvement 542 $62,290,000 $114,000 $755,000 $158,000 $9,194,000
Not Applicable 8 $610,000 $76,000 $225,000 $30,000 $49,000

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 3,664 $998,030,000 $272,000 $3,855,000 $147,000 $9,194,000
Not applicable 698 $249,150,000 $356,000 $4,445,000 $153,000 $792,000
Not Provided 579 $173,135,000 $299,000 $3,275,000 $166,000 $4,550,000
Hispanic 289 $75,395,000 $260,000 $905,000 $114,000 $512,000
Black or African American 239 $69,505,000 $290,000 $3,765,000 $173,000 $9,437,000
Asian 58 $19,130,000 $329,000 $615,000 $154,000 $500,000
American Indian or Alaskan Native 19 $3,565,000 $187,000 $535,000 $92,000 $192,000
Native Hawaiian or Other Pacific Islander 7 $1,095,000 $156,000 $405,000 $943,000 $5,850,000

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) 4,190 $1,145,220,000 $273,000 $4,445,000 $162,000 $9,437,000
FHA-insured (Federal Housing Administration) 866 $246,560,000 $284,000 $545,000 $90,000 $373,000
VA-guaranteed (Veterans Administration) 458 $186,990,000 $408,000 $1,105,000 $125,000 $492,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 40 $10,340,000 $258,000 $345,000 $86,000 $113,000

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 2,926 $879,390,000 $300,000 $4,445,000 $160,000 $9,437,000
Application Denied By Financial Institution 855 $169,395,000 $198,000 $2,625,000 $118,000 $5,850,000
Application Withdrawn By Applicant 655 $203,445,000 $310,000 $1,685,000 $165,000 $9,194,000
Loan Purchased By The Institution 652 $227,060,000 $348,000 $3,275,000 $148,000 $858,000
File Closed For Incompleteness 305 $70,675,000 $231,000 $1,015,000 $116,000 $1,902,000
Application Approved But Not Accepted 157 $37,995,000 $242,000 $1,185,000 $125,000 $563,000
Preapproval Approved but not Accepted 4 $1,150,000 $287,000 $365,000 $95,000 $165,000
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 4,689 $1,417,245,000 $302,000 $4,445,000 $156,000 $9,437,000
Debt-To-Income Ratio 288 $67,100,000 $232,000 $1,635,000 $81,000 $480,000
Credit History 246 $39,070,000 $158,000 $1,505,000 $154,000 $5,850,000
Collateral 121 $22,405,000 $185,000 $1,005,000 $125,000 $714,000
Credit Application Incomplete 90 $14,850,000 $165,000 $845,000 $105,000 $681,000
Unverifiable Information 56 $10,090,000 $180,000 $555,000 $89,000 $285,000
Other 53 $14,435,000 $272,000 $2,625,000 $129,000 $619,000
Insufficient Cash (Downpayment, Closing Cost) 7 $3,015,000 $430,000 $1,505,000 $548,000 $3,246,000
Employment History 3 $775,000 $258,000 $445,000 $126,000 $171,000
Mortgage Insurance Denied 1 $125,000 $125,000 $125,000 $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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