Montgomery County, NC Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 728 mortgage applications in Montgomery County, NC totaling $100.0 million, down 28% from 2013. The average application was for $137,000, and applicants reported an average income of $83,000. 50% of applications resulted in an originated loan and 25% were denied. The most active lender was State Employees' Credit Union, with 192 applications, followed by Vanderbilt Mortgage and Finance, Inc and First Bank.

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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 728
Total Mortgage Loan Application Amount $100,034,000
Average Mortgage Loan Application Amount $137,000
Highest Mortgage Loan Application Amount $1,862,000
Average Applicant Income $83,000
Highest Applicant Income $2,955,000

Mortgage Company List for Lending in Montgomery County, NC for 2014

* 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
* $ 27,107,074,000 192 $ 19,347,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 43 $ 3,398,000
First Bank
PO BOX 508
TROY, NC 27371
* $ 3,184,673,000 37 $ 3,213,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 37 $ 4,441,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 25 $ 4,225,000
Uwharrie Bank
P.O. BOX 338
ALBEMARLE, NC 28002
* $ 515,596,000 25 $ 4,939,000
Southern Bank and Trust Compan
PO BOX 729
MT OLIVE, NC 28365
* $ 2,223,447,000 20 $ 2,459,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 1,314,640,000 18 $ 1,261,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 14 $ 3,044,000
Communityone Bank, N.A.
333 FAYETTEVILLE ST
RALEIGH, NC 27601
* $ 1,982,826,000 14 $ 1,349,000
Carolina Farm Credit, Aca
P O BOX 1827
STATESVILLE, NC 28625
* $ 10,000,000 13 $ 4,043,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 12 $ 578,000
Monarch Bank
1435 CROSSWAYS BOULEVARD, SUITE 101
CHESAPEAKE, VA 23320
* $ 1,015,892,000 12 $ 1,291,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 11 $ 67,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 11 $ 2,315,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,261,678,000 10 $ 2,153,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 10 $ 1,691,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 10 $ 1,028,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 1,667,350,000 10 $ 623,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 9 $ 1,686,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 6 $ 1,194,000
Bank of North Carolina
3980 PREMIER DR. STE 150
HIGH POINT, NC 27265
* $ 3,227,841,000 6 $ 1,799,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 6 $ 286,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 5 $ 316,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 5 $ 942,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 5 $ 851,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 16,840,840,000 4 $ 185,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 4 $ 1,242,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 458,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 579,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 4 $ 1,336,000
The Fidelity Bank
100 S. MAIN STREET
FUQUAY-VARINA, NC 27526
* $ 1,588,108,000 4 $ 405,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 4 $ 1,054,000
North State Bank
6200 FALLS OF THE NEUSE ROAD
RALEIGH, NC 27609
* $ 673,309,000 3 $ 357,000
Carolina Bank
PO BOX 10209
GREENSBORO, NC 27404
* $ 661,743,000 3 $ 408,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 3 $ 542,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 7,933,259,000 3 $ 166,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 1,039,650,000 3 $ 1,955,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,857,559,000 3 $ 1,019,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 127,428,329,000 2 $ 12,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 2 $ 146,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ 17,789,000 2 $ 152,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 202,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 127,428,329,000 2 $ 274,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 2 $ 596,000
Self Help Federal Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ 558,432,000 2 $ 215,000
Hometrust Bank N.A.
P O BOX 10
ASHEVILLE, NC 28804
* $ 1,597,558,000 2 $ 547,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 2 $ 220,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 2 $ 541,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 2 $ 83,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 179,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 248,000
Union Mortgage Group, Inc.
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 4,155,026,000 2 $ 315,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 251,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 2 $ 514,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 57,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 65,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 413,000
Newbridge Bank
1501 HIGHWOODS BLVD, SUITE 400
GREENSBORO, NC 27410
* $ 1,963,671,000 1 $ 152,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 5,037,879,000 1 $ 400,000
Main Street Bank
31780 TELEGRAPH ROAD, SUITE 100
BINGHAM FARMS, MI 48025
* $ 159,956,000 1 $ 365,000
The Southern Credit Union
430 EAST LANIER AVENUE
FAYETTEVILLE, GA 30214
* $ 312,390,000 1 $ 226,000
Peoples Bank
518 WEST C STREET
NEWTON, NC 28658
* $ 1,032,042,000 1 $ 65,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 41,000
High Point Bank B&Tc
1300 E. HARTLEY DR.
HIGH POINT, NC 27262
* $ 824,487,000 1 $ 258,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 90,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 1 $ 560,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 230,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 81,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 170,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 122,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 137,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ 1,400,000,000 1 $ 159,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 1 $ 155,000
Cmc Funding, Inc.
814 A1A NORTH, STE. 303
PONTE VEDRA BEACH, FL 32082
* $ 10,000,000 1 $ 112,000
Residential Mortgage Corp.
2547 RAVENHILL ROAD
FAYETTEVILLE, NC 28303
* $ 1,643,000 1 $ 115,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 4,672,997,000 1 $ 350,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 195,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 1 $ 244,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 1 $ 50,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 38,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 566,962,000 1 $ 293,000
Homebanc, N.A.
3704 W. LAKE MARY BLVD
LAKE MARY, FL 32746
* $ 707,304,000 1 $ 1,862,000
Certusbank, N.A.
2 WEST WASHINGTON STREET 5TH FLOOR
GREENVILLE, SC 29601
* $ 1,656,164,000 1 $ 65,000
Capital Bank, NA
121 ALHAMBRA PLAZA, SUITE 1601
CORAL GABLES, FL 33134
* $ 6,619,863,000 1 $ 219,000
Park Sterling Bank
1043 E MOREHEAD ST, STE 201
CHARLOTTE, NC 28204
* $ 1,948,151,000 1 $ 500,000
Latino Community Credit Union
P.O. DRAWER 25279
DURHAM, NC 27709
* $ 126,092,000 1 $ 75,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 22,971,000,000 1 $ 552,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 15,766,346,000 1 $ 45,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 14,081,085,000 1 $ 68,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 154,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 118,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 50,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 1 $ 114,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 116,608,550,000 1 $ 65,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 26,795,278,000 1 $ 95,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 35,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 1 $ 239,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 1 $ 67,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 217,626,166,000 1 $ 3,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 1 $ 126,000

The tables below break down 2014 mortgage applications in Montgomery 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 Montgomery County, NC in 2014

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 337 $44,141,000 $130,000 $1,280,000 $87,000 $2,955,000
Refinancing 309 $51,800,000 $167,000 $1,862,000 $85,000 $1,378,000
Home Improvement 82 $4,093,000 $49,000 $350,000 $55,000 $329,000

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 522 $74,192,000 $142,000 $1,280,000 $93,000 $2,955,000
Black or African American 72 $5,622,000 $78,000 $400,000 $44,000 $158,000
Not Provided 44 $8,498,000 $193,000 $900,000 $114,000 $393,000
Hispanic 39 $2,512,000 $64,000 $161,000 $38,000 $91,000
Not applicable 38 $7,372,000 $194,000 $1,862,000 $11,000 $250,000
American Indian or Alaskan Native 7 $449,000 $64,000 $124,000 $31,000 $74,000
Asian 6 $1,389,000 $231,000 $882,000 $169,000 $434,000
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) 618 $84,462,000 $136,000 $1,862,000 $89,000 $2,955,000
FHA-insured (Federal Housing Administration) 49 $5,503,000 $112,000 $405,000 $36,000 $140,000
VA-guaranteed (Veterans Administration) 40 $7,019,000 $175,000 $527,000 $60,000 $174,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 21 $3,050,000 $145,000 $597,000 $54,000 $300,000

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 364 $55,552,000 $152,000 $1,280,000 $110,000 $2,955,000
Application Denied By Financial Institution 182 $18,740,000 $102,000 $785,000 $50,000 $300,000
Application Withdrawn By Applicant 71 $10,830,000 $152,000 $635,000 $83,000 $450,000
Loan Purchased By The Institution 53 $9,205,000 $173,000 $1,862,000 $43,000 $601,000
Application Approved But Not Accepted 41 $3,758,000 $91,000 $226,000 $48,000 $100,000
File Closed For Incompleteness 17 $1,949,000 $114,000 $300,000 $63,000 $174,000
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
Credit History 51 $2,500,000 $49,000 $219,000 $39,000 $137,000
Collateral 38 $5,341,000 $140,000 $520,000 $74,000 $266,000
Debt-To-Income Ratio 21 $1,738,000 $82,000 $262,000 $30,000 $103,000
Other 6 $964,000 $160,000 $379,000 $106,000 $300,000
Credit Application Incomplete 4 $953,000 $238,000 $519,000 $109,000 $182,000
Insufficient Cash (Downpayment, Closing Cost) 3 $244,000 $81,000 $119,000 $42,000 $67,000
Unverifiable Information 2 $120,000 $60,000 $114,000 $21,000 $27,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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