Mitchell County, NC Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 656 mortgage applications in Mitchell County, NC totaling $92.7 million, up 12% from 2018. The average application was for $141,000, and applicants reported an average income of $76,000. 54% of applications resulted in an originated loan and 21% were denied. The most active lender was United Community Bank, with 127 applications, followed by State Employees' Credit Union and Wells Fargo Bank NA.
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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 | 656 |
| Total Mortgage Loan Application Amount | $92,720,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $865,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $635,000 |
* 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 |
|---|---|---|---|---|
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 12,548,727,000 | 127 | $ 16,625,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 38,812,319,000 | 118 | $ 13,460,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 36 | $ 6,410,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 21 | $ 2,285,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,483,865,000 | 16 | $ 1,810,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 16 | $ 3,250,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 16 | $ 2,130,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 2,073,778,000 | 15 | $ 1,685,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 13 | $ 1,635,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 11 | $ 1,815,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 2,125,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,035,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 302,668,929,000 | 7 | $ 605,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 7 | $ 495,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 1,240,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 1,500,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 6 | $ 1,040,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 255,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 735,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 5 | $ 785,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 695,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 5 | $ 775,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 4 | $ 610,000 |
| First Bank PO BOX 508 TROY, NC 27371 |
* | $ 5,865,282,000 | 4 | $ 380,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 4 | $ 480,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 4 | $ 430,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 4 | $ 1,250,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 4 | $ 280,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 455,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 35,267,496,000 | 3 | $ 175,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 3 | $ 645,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 595,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 385,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 3 | $ 495,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 3 | $ 165,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 4,530,157,000 | 3 | $ 695,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 3 | $ 635,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 295,000 |
| First Community Bank 809 W MAIN STREET ROGERSVILLE, TN 37857 |
* | $ 173,655,000 | 3 | $ 465,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 3 | $ 225,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 575,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 270,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 220,000 |
| Founders Federal Credit Union 737 PLANTATION ROAD LANCASTER, SC 29720 |
* | $ 2,398,413,000 | 2 | $ 360,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 2 | $ 160,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 350,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 2 | $ 110,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 320,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 2 | $ 340,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 330,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 240,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 2 | $ 410,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 440,000 |
| Highlands Union Bank 340 WEST MAIN STREET ABINGDON, VA 24210 |
* | $ 591,931,000 | 2 | $ 250,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 2 | $ 240,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 360,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 33,026,384,000 | 2 | $ 620,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 2 | $ 240,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 360,000 |
| Hometrust Bank PO BOX 10 ASHEVILLE, NC 28802 |
* | $ 3,409,271,000 | 1 | $ 345,000 |
| Signature Mortgage Corporation 4790 DOUGLAS CIRCLE NW CANTON, OH 44718 |
* | $ -1,000 | 1 | $ 335,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 75,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,011,136,000 | 1 | $ 95,000 |
| Arthur State Bank 131 S MAIN ST UNION, SC 29379 |
* | $ 504,770,000 | 1 | $ 135,000 |
| Southern Bank and Trust Company PO BOX 729 MOUNT OLIVE, NC 28365 |
* | $ 2,624,103,000 | 1 | $ 225,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 75,000 |
| Carolina Farm Credit, Aca P O BOX 1827 STATESVILLE, NC 28625 |
* | $ -1,000 | 1 | $ 205,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 1 | $ 125,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 2,410,945,000 | 1 | $ 305,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 155,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 165,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 115,000 |
| Weyco Community Credit Union PO BOX 69 PLYMOUTH, NC 27962 |
* | $ 74,884,000 | 1 | $ 135,000 |
| Uwharrie Bank P.O. BOX 338 ALBEMARLE, NC 28002 |
* | $ 630,082,000 | 1 | $ 95,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ -1,000 | 1 | $ 195,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 85,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ -1,000 | 1 | $ 345,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 282,714,000 | 1 | $ 105,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ -1,000 | 1 | $ 75,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 75,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 255,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 1 | $ 155,000 |
| Clinchfield FCU P O BOX 310 1038 N MAIN AVENUE ERWIN, TN 37650 |
* | $ 82,260,000 | 1 | $ 75,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 205,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 7,010,234,000 | 1 | $ 235,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 1 | $ 75,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 1 | $ 365,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 205,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 14,673,422,000 | 1 | $ 185,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 85,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ -1,000 | 1 | $ 85,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 28,875,870,000 | 1 | $ 785,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 1 | $ 115,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 155,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 40,636,055,000 | 1 | $ 65,000 |
The tables below break down 2019 mortgage applications in Mitchell 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 Mitchell County, NC in 2019
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 | 307 | $49,815,000 | $162,000 | $865,000 | $78,000 | $621,000 |
| Refinancing | 160 | $20,950,000 | $130,000 | $645,000 | $75,000 | $330,000 |
| Cash-out Refinancing | 86 | $14,540,000 | $169,000 | $515,000 | $66,000 | $180,000 |
| Other Purpose | 64 | $4,770,000 | $74,000 | $505,000 | $70,000 | $375,000 |
| Home Improvement | 34 | $1,980,000 | $58,000 | $205,000 | $91,000 | $635,000 |
| Not Applicable | 5 | $665,000 | $133,000 | $255,000 | $102,000 | $102,000 |
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 | 554 | $76,730,000 | $138,000 | $785,000 | $75,000 | $621,000 |
| Not Provided | 60 | $8,290,000 | $138,000 | $815,000 | $84,000 | $635,000 |
| Not applicable | 30 | $4,650,000 | $155,000 | $445,000 | $82,000 | $130,000 |
| Hispanic | 5 | $665,000 | $133,000 | $235,000 | $50,000 | $91,000 |
| American Indian or Alaskan Native | 2 | $210,000 | $105,000 | $145,000 | $29,000 | $38,000 |
| Asian | 2 | $980,000 | $490,000 | $865,000 | $78,000 | $78,000 |
| Black or African American | 2 | $440,000 | $220,000 | $245,000 | $120,000 | $120,000 |
| 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) | 503 | $67,815,000 | $134,000 | $865,000 | $82,000 | $635,000 |
| FHA-insured (Federal Housing Administration) | 73 | $10,165,000 | $139,000 | $285,000 | $48,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 59 | $11,085,000 | $187,000 | $645,000 | $59,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $3,655,000 | $174,000 | $335,000 | $48,000 | $76,000 |
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 | 354 | $50,200,000 | $141,000 | $785,000 | $81,000 | $621,000 |
| Application Denied By Financial Institution | 135 | $18,765,000 | $139,000 | $865,000 | $64,000 | $635,000 |
| Application Withdrawn By Applicant | 85 | $11,775,000 | $138,000 | $485,000 | $77,000 | $543,000 |
| Loan Purchased By The Institution | 46 | $7,270,000 | $158,000 | $445,000 | $69,000 | $130,000 |
| File Closed For Incompleteness | 25 | $3,075,000 | $123,000 | $365,000 | $71,000 | $375,000 |
| Application Approved But Not Accepted | 11 | $1,635,000 | $148,000 | $385,000 | $95,000 | $330,000 |
| 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 | 512 | $72,390,000 | $141,000 | $785,000 | $78,000 | $621,000 |
| Credit History | 40 | $4,940,000 | $123,000 | $865,000 | $78,000 | $635,000 |
| Debt-To-Income Ratio | 37 | $7,165,000 | $193,000 | $815,000 | $65,000 | $367,000 |
| Collateral | 32 | $3,590,000 | $112,000 | $285,000 | $58,000 | $161,000 |
| Other | 17 | $2,595,000 | $152,000 | $435,000 | $73,000 | $174,000 |
| Unverifiable Information | 9 | $925,000 | $102,000 | $235,000 | $62,000 | $157,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $460,000 | $115,000 | $205,000 | $51,000 | $113,000 |
| Credit Application Incomplete | 3 | $375,000 | $125,000 | $165,000 | $54,000 | $85,000 |
| Employment History | 2 | $280,000 | $140,000 | $175,000 | $118,000 | $212,000 |
| 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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