New Bern, NC Metro Area Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 6,588 mortgage applications in New Bern, NC metro area totaling $1.1 billion, up 24% from 2018. The average application was for $162,844, and applicants reported an average income of $83,000. 52% of applications resulted in an originated loan and 15% were denied. The most active lender was Navy Federal Credit Union, with 598 applications, followed by Wells Fargo Bank NA and Truist Bank.
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| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 6,588 |
| Total Mortgage Loan Application Amount | $1,072,820,000 |
| Average Mortgage Loan Application Amount | $162,844 |
| Highest Mortgage Loan Application Amount | $3,625,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $2,462,000 |
Top Mortgage Lenders in New Bern, NC Metro Area (2019)
Ranked by the number of mortgage applications each lender reported in New Bern, NC metro area in 2019.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Navy Federal Credit Union Vienna, VA |
598 | $94,700,000 | $158,000 | $88,000 |
| 2 | Wells Fargo Bank NA Minneapolis, MN |
417 | $62,955,000 | $150,000 | $87,000 |
| 3 | Truist Bank Raleigh, NC |
392 | $64,170,000 | $163,000 | $106,000 |
| 4 | State Employees' Credit Union Raleigh, NC |
388 | $42,270,000 | $108,000 | $78,000 |
| 5 | Atlantic Bay Mortgage Group Virginia Beach, VA |
326 | $56,430,000 | $173,000 | $78,000 |
| 6 | First Ciitizens Bank and Trust Raleigh, NC |
315 | $50,855,000 | $161,000 | $133,000 |
| 7 | Guaranteed Rate, Inc. Chicago, IL |
237 | $45,155,000 | $190,000 | $81,000 |
| 8 | Movement Mortgage, LLC Indian Land, SC |
226 | $35,830,000 | $158,000 | $67,000 |
| 9 | Freedom Mortgage Corporation Boca Raton, FL |
190 | $36,310,000 | $191,000 | $81,000 |
| 10 | Mortgage Research Center Columbia, MO |
174 | $31,280,000 | $179,000 | $63,000 |
See every lender active in New Bern, NC metro area in 2019 »
The tables below break down 2019 mortgage applications in New Bern, NC metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for New Bern, 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 | 3,652 | $622,110,000 | $170,000 | $1,505,000 | $81,000 | $2,462,000 |
| Refinancing | 1,269 | $232,185,000 | $182,000 | $3,505,000 | $84,000 | $1,037,000 |
| Cash-out Refinancing | 834 | $153,250,000 | $183,000 | $3,625,000 | $80,000 | $837,000 |
| Other Purpose | 430 | $35,560,000 | $82,000 | $3,005,000 | $96,000 | $1,158,000 |
| Home Improvement | 312 | $19,130,000 | $61,000 | $475,000 | $102,000 | $1,296,000 |
| Not Applicable | 91 | $10,585,000 | $116,000 | $305,000 | $64,000 | $64,000 |
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 | 4,325 | $709,975,000 | $164,000 | $3,505,000 | $88,000 | $2,462,000 |
| Not Provided | 657 | $112,935,000 | $171,000 | $725,000 | $80,000 | $624,000 |
| Black or African American | 655 | $84,655,000 | $129,000 | $635,000 | $65,000 | $1,800,000 |
| Not applicable | 577 | $108,265,000 | $187,000 | $3,625,000 | $80,000 | $345,000 |
| Hispanic | 214 | $32,600,000 | $152,000 | $465,000 | $70,000 | $301,000 |
| Asian | 93 | $13,995,000 | $150,000 | $485,000 | $61,000 | $421,000 |
| American Indian or Alaskan Native | 46 | $6,730,000 | $146,000 | $335,000 | $66,000 | $186,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,220,000 | $203,000 | $245,000 | $77,000 | $109,000 |
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) | 3,673 | $540,085,000 | $147,000 | $3,625,000 | $93,000 | $2,462,000 |
| VA-guaranteed (Veterans Administration) | 2,089 | $408,785,000 | $195,000 | $735,000 | $72,000 | $536,000 |
| FHA-insured (Federal Housing Administration) | 771 | $114,875,000 | $148,000 | $375,000 | $57,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $9,075,000 | $165,000 | $315,000 | $56,000 | $86,000 |
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 | 3,430 | $586,820,000 | $171,000 | $3,625,000 | $87,000 | $2,462,000 |
| Application Withdrawn By Applicant | 975 | $172,275,000 | $176,000 | $855,000 | $86,000 | $1,296,000 |
| Application Denied By Financial Institution | 974 | $119,300,000 | $122,000 | $1,195,000 | $72,000 | $2,200,000 |
| Loan Purchased By The Institution | 751 | $131,385,000 | $174,000 | $575,000 | $77,000 | $345,000 |
| File Closed For Incompleteness | 319 | $44,845,000 | $140,000 | $725,000 | $71,000 | $600,000 |
| Application Approved But Not Accepted | 139 | $18,195,000 | $130,000 | $395,000 | $81,000 | $1,158,000 |
| 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 | 5,525 | $936,085,000 | $169,000 | $3,625,000 | $85,000 | $2,462,000 |
| Debt-To-Income Ratio | 315 | $46,105,000 | $146,000 | $1,495,000 | $58,000 | $413,000 |
| Credit History | 307 | $32,905,000 | $107,000 | $1,195,000 | $80,000 | $2,200,000 |
| Collateral | 177 | $22,045,000 | $124,000 | $895,000 | $88,000 | $500,000 |
| Other | 111 | $13,225,000 | $119,000 | $725,000 | $79,000 | $353,000 |
| Credit Application Incomplete | 84 | $13,670,000 | $162,000 | $605,000 | $68,000 | $327,000 |
| Unverifiable Information | 36 | $4,250,000 | $118,000 | $365,000 | $65,000 | $258,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 25 | $3,535,000 | $141,000 | $485,000 | $77,000 | $216,000 |
| Employment History | 8 | $1,000,000 | $125,000 | $195,000 | $51,000 | $161,000 |
| 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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