North Carolina Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 889,163 mortgage applications in North Carolina totaling $116.2 billion, up 12% from 2004. The average application was for $130,000, and applicants reported an average income of $66,000. 45% of applications resulted in an originated loan and 20% were denied. The most active lenders were Countrywide Home Loans (47,876 applications), Wells Fargo Bank, NA and Branch Banking and Trust Co.
See the top mortgage lenders in North Carolina, browse lending by metro area and by county, or see the mortgage lenders headquartered in North Carolina and North Carolina lenders by city.
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Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into North Carolina's mortgage market trends.
| 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 | 889,163 |
| Total Mortgage Loan Application Amount | $116,213,489,000 |
| Average Mortgage Loan Application Amount | $130,000 |
| Highest Mortgage Loan Application Amount | $93,000,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $9,999,000 |
Top 25 Mortgage Lenders in North Carolina (2005)
Ranked by the number of mortgage applications each lender received for properties in North Carolina in 2005, wherever the lender is based. For lenders headquartered in the state, see the full list of North Carolina mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in North Carolina.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Countrywide Home Loans Westlake Village, CA |
47,876 | $7,358,739,000 | $153,704 | $66,301 |
| 2 | Wells Fargo Bank, NA Des Moines, IA |
39,012 | $6,205,637,000 | $159,069 | $70,637 |
| 3 | Branch Banking and Trust Co Wilson, NC |
37,026 | $4,654,734,000 | $125,715 | $64,520 |
| 4 | Ameriquest Mortgage Company Orange, CA |
35,876 | $4,485,434,000 | $125,026 | $71,434 |
| 5 | Wells Fargo Bank, NA Winston-Salem, NC |
29,893 | $3,347,938,000 | $111,997 | $70,719 |
| 6 | Bank of America, N.A. Calabasas, CA |
28,744 | $4,623,600,000 | $160,854 | $81,680 |
| 7 | Beneficial Company LLC Mettawa, IL |
25,739 | $2,366,453,000 | $91,940 | $56,494 |
| 8 | Gmac Mortgage LLC Ft. Washington, PA |
17,512 | $2,070,187,000 | $118,215 | $62,267 |
| 9 | Vanderbilt Mortgage Maryville, TN |
17,459 | $913,515,000 | $52,323 | $33,915 |
| 10 | Suntrust Mortgage, Inc Richmond, VA |
16,445 | $2,488,687,000 | $151,333 | $80,431 |
| 11 | Washington Mutual Bank Albion, NY |
16,386 | $2,354,255,000 | $143,674 | $46,180 |
| 12 | State Employees' Credit Union Raleigh, NC |
16,071 | $1,913,949,000 | $119,093 | $57,818 |
| 13 | Wells Fargo Funding, Inc Winston-Salem, NC |
15,749 | $2,389,595,000 | $151,729 | $71,595 |
| 14 | JPMorgan Chase Bank, NA Columbus, OH |
14,577 | $2,075,444,000 | $142,377 | $61,601 |
| 15 | Wachovia Mortgage Corp Charlotte, NC |
14,520 | $2,675,525,000 | $184,264 | $81,881 |
| 16 | Citimortgage, Inc New York, NY |
14,395 | $2,121,212,000 | $147,357 | $83,422 |
| 17 | Argent Mortgage Company Orange, CA |
14,084 | $1,583,197,000 | $112,411 | $56,263 |
| 18 | National City Bank of Indiana Cleveland, OH |
13,072 | $1,714,915,000 | $131,189 | $61,902 |
| 19 | Hfc Company LLC Elmhurst, IL |
12,069 | $1,157,390,000 | $95,897 | $57,638 |
| 20 | Citifinancial Services, Inc. Baltimore, MD |
12,048 | $671,423,000 | $55,729 | $41,054 |
| 21 | American Home Mortgage Corp. Melville, NY |
12,005 | $1,681,938,000 | $140,103 | $68,246 |
| 22 | Delta Funding Corporation Woodbury, NY |
11,192 | $1,348,429,000 | $120,481 | $52,340 |
| 23 | Nationstar Mortgage Coppell, TX |
10,275 | $1,056,964,000 | $102,867 | $49,058 |
| 24 | Residential Funding Corp. LLC Ft. Washington, PA |
10,208 | $1,217,840,000 | $119,302 | $232 |
| 25 | Aurora Bank FSB New York, NY |
9,695 | $1,429,507,000 | $147,447 | $67,625 |
The tables below break down 2005 mortgage applications in North Carolina by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.
Mortgage Loan Application Detail Totals for North Carolina in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 430,165 | $56,630,786,000 | $131,000 | $30,090,000 | $63,000 | $9,999,000 |
| Home Purchase | 408,685 | $56,299,400,000 | $137,000 | $30,500,000 | $70,000 | $8,213,000 |
| Home Improvement | 50,313 | $3,283,303,000 | $65,000 | $93,000,000 | $62,000 | $9,999,000 |
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 | 503,454 | $69,357,340,000 | $137,000 | $93,000,000 | $76,000 | $9,999,000 |
| Not Provided | 134,224 | $16,821,262,000 | $125,000 | $13,538,000 | $69,000 | $9,999,000 |
| Black or African American | 129,396 | $12,787,675,000 | $98,000 | $7,200,000 | $53,000 | $8,213,000 |
| Not applicable | 75,629 | $11,758,849,000 | $155,000 | $30,500,000 | $18,000 | $4,177,000 |
| Hispanic | 27,965 | $2,957,862,000 | $105,000 | $8,425,000 | $56,000 | $2,559,000 |
| Asian | 12,113 | $1,846,233,000 | $152,000 | $2,400,000 | $85,000 | $6,804,000 |
| American Indian or Alaskan Native | 4,820 | $480,875,000 | $99,000 | $1,763,000 | $59,000 | $2,040,000 |
| Native Hawaiian or Other Pacific Islander | 1,562 | $203,393,000 | $130,000 | $2,000,000 | $72,000 | $1,517,000 |
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) | 829,875 | $108,923,691,000 | $131,000 | $30,500,000 | $70,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 37,002 | $4,251,776,000 | $114,000 | $93,000,000 | $33,000 | $3,583,000 |
| VA-guaranteed (Veterans Administration) | 21,248 | $2,926,535,000 | $137,000 | $361,000 | $38,000 | $877,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1,038 | $111,487,000 | $107,000 | $539,000 | $32,000 | $307,000 |
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 | 397,427 | $55,280,103,000 | $139,000 | $30,090,000 | $77,000 | $9,999,000 |
| Application Denied By Financial Institution | 181,061 | $18,950,639,000 | $104,000 | $93,000,000 | $59,000 | $6,931,000 |
| Loan Purchased By The Institution | 142,264 | $20,811,782,000 | $146,000 | $10,121,000 | $43,000 | $6,652,000 |
| Application Withdrawn By Applicant | 88,361 | $11,624,517,000 | $131,000 | $30,500,000 | $68,000 | $9,999,000 |
| Application Approved But Not Accepted | 55,542 | $6,168,925,000 | $111,000 | $2,800,000 | $67,000 | $6,444,000 |
| File Closed For Incompleteness | 24,254 | $3,345,196,000 | $137,000 | $3,000,000 | $68,000 | $7,488,000 |
| Preapproval Denied by Financial Institution | 251 | $31,636,000 | $126,000 | $450,000 | $28,000 | $202,000 |
| Preapproval Approved but not Accepted | 3 | $691,000 | $230,000 | $468,000 | $107,000 | $250,000 |
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 | 39,873 | $3,494,616,000 | $87,000 | $8,425,000 | $53,000 | $3,059,000 |
| Other | 38,000 | $4,232,198,000 | $111,000 | $2,600,000 | $63,000 | $5,400,000 |
| Collateral | 16,551 | $2,012,516,000 | $121,000 | $3,000,000 | $74,000 | $6,931,000 |
| Debt-To-Income Ratio | 14,396 | $1,629,415,000 | $113,000 | $2,940,000 | $48,000 | $4,417,000 |
| Credit Application Incomplete | 10,335 | $1,329,361,000 | $128,000 | $2,600,000 | $71,000 | $6,000,000 |
| Unverifiable Information | 2,880 | $405,280,000 | $140,000 | $2,000,000 | $72,000 | $1,080,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1,557 | $290,190,000 | $186,000 | $93,000,000 | $65,000 | $1,560,000 |
| Employment History | 1,091 | $126,389,000 | $115,000 | $1,089,000 | $57,000 | $656,000 |
| Mortgage Insurance Denied | 48 | $6,135,000 | $127,000 | $512,000 | $55,000 | $300,000 |
Mortgage Loan Application Totals in 2005 by North Carolina Metropolitan Area
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Asheville, NC | 39,778 | $ 5,625,686,000 | $ 141,000 | $ 69,000 |
| Burlington, NC | 12,788 | $ 1,394,689,000 | $ 109,000 | $ 55,000 |
| Charlotte-Gastonia-Concord, NC-SC | 179,239 | $ 24,450,680,000 | $ 136,000 | $ 67,000 |
| Durham, NC | 44,050 | $ 6,281,859,000 | $ 142,000 | $ 72,000 |
| Fayetteville, NC | 33,864 | $ 3,343,641,000 | $ 98,000 | $ 55,000 |
| Goldsboro, NC | 8,698 | $ 801,931,000 | $ 92,000 | $ 52,000 |
| Greensboro-High Point, NC | 69,503 | $ 8,071,542,000 | $ 116,000 | $ 58,000 |
| Greenville, NC | 13,575 | $ 1,416,903,000 | $ 104,000 | $ 64,000 |
| Hickory-Lenoir-Morganton, NC | 28,303 | $ 2,982,464,000 | $ 105,000 | $ 55,000 |
| Jacksonville, NC | 14,536 | $ 1,705,268,000 | $ 117,000 | $ 71,000 |
| Raleigh-Cary, NC | 117,588 | $ 17,164,913,000 | $ 145,000 | $ 67,000 |
| Rocky Mount, NC | 11,213 | $ 1,025,714,000 | $ 91,000 | $ 57,000 |
| Wilmington, NC | 46,260 | $ 8,301,334,000 | $ 179,000 | $ 89,000 |
| Winston-Salem, NC | 43,817 | $ 5,003,946,000 | $ 114,000 | $ 59,000 |
Mortgage Loan Application Totals in 2005 by North Carolina County
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Alamance | 12,791 | $ 1,394,920,000 | $ 109,000 | $ 55,000 |
| Alexander | 2,497 | $ 293,405,000 | $ 117,000 | $ 50,000 |
| Alleghany | 809 | $ 105,354,000 | $ 130,000 | $ 82,000 |
| Anson | 1,420 | $ 105,747,000 | $ 74,000 | $ 45,000 |
| Ashe | 1,797 | $ 232,182,000 | $ 129,000 | $ 69,000 |
| Avery | 1,568 | $ 263,213,000 | $ 167,000 | $ 115,000 |
| Beaufort | 3,258 | $ 332,015,000 | $ 101,000 | $ 62,000 |
| Bertie | 1,153 | $ 78,977,000 | $ 68,000 | $ 46,000 |
| Bladen | 1,797 | $ 135,883,000 | $ 75,000 | $ 54,000 |
| Brunswick | 14,907 | $ 2,896,373,000 | $ 194,000 | $ 100,000 |
| Buncombe | 22,517 | $ 3,366,136,000 | $ 149,000 | $ 71,000 |
| Burke | 6,288 | $ 571,982,000 | $ 90,000 | $ 49,000 |
| Cabarrus | 19,004 | $ 2,237,699,000 | $ 117,000 | $ 61,000 |
| Caldwell | 6,355 | $ 600,495,000 | $ 94,000 | $ 52,000 |
| Camden | 1,233 | $ 181,828,000 | $ 147,000 | $ 62,000 |
| Carteret | 8,351 | $ 1,562,705,000 | $ 187,000 | $ 100,000 |
| Caswell | 1,977 | $ 191,330,000 | $ 96,000 | $ 51,000 |
| Catawba | 13,171 | $ 1,517,298,000 | $ 115,000 | $ 61,000 |
| Chatham | 4,952 | $ 809,279,000 | $ 163,000 | $ 71,000 |
| Cherokee | 2,659 | $ 305,189,000 | $ 114,000 | $ 67,000 |
| Chowan | 1,121 | $ 121,277,000 | $ 108,000 | $ 64,000 |
| Clay | 1,102 | $ 157,565,000 | $ 142,000 | $ 73,000 |
| Cleveland | 7,863 | $ 734,754,000 | $ 93,000 | $ 49,000 |
| Columbus | 3,270 | $ 272,836,000 | $ 83,000 | $ 47,000 |
| Craven | 9,099 | $ 1,020,349,000 | $ 112,000 | $ 59,000 |
| Cumberland | 29,754 | $ 2,938,160,000 | $ 98,000 | $ 57,000 |
| Currituck | 4,770 | $ 1,398,479,000 | $ 293,000 | $ 114,000 |
| Dare | 7,924 | $ 2,601,220,000 | $ 328,000 | $ 141,000 |
| Davidson | 13,530 | $ 1,393,954,000 | $ 103,000 | $ 54,000 |
| Davie | 3,746 | $ 474,939,000 | $ 126,000 | $ 64,000 |
| Duplin | 2,827 | $ 238,998,000 | $ 84,000 | $ 51,000 |
| Durham | 26,838 | $ 3,439,019,000 | $ 128,000 | $ 69,000 |
| Edgecombe | 3,669 | $ 266,724,000 | $ 72,000 | $ 50,000 |
| Forsyth | 33,674 | $ 3,914,408,000 | $ 116,000 | $ 61,000 |
| Franklin | 5,272 | $ 559,851,000 | $ 106,000 | $ 54,000 |
| Gaston | 19,331 | $ 1,959,596,000 | $ 101,000 | $ 55,000 |
| Gates | 1,022 | $ 103,310,000 | $ 101,000 | $ 50,000 |
| Graham | 627 | $ 72,908,000 | $ 116,000 | $ 86,000 |
| Granville | 4,508 | $ 474,522,000 | $ 105,000 | $ 53,000 |
| Greene | 975 | $ 74,395,000 | $ 76,000 | $ 51,000 |
| Guilford | 50,064 | $ 6,196,714,000 | $ 123,000 | $ 64,000 |
| Halifax | 3,418 | $ 304,347,000 | $ 89,000 | $ 60,000 |
| Harnett | 8,449 | $ 869,078,000 | $ 102,000 | $ 52,000 |
| Haywood | 5,672 | $ 723,083,000 | $ 127,000 | $ 74,000 |
| Henderson | 10,144 | $ 1,369,185,000 | $ 134,000 | $ 64,000 |
| Hertford | 1,353 | $ 105,613,000 | $ 78,000 | $ 57,000 |
| Hoke | 4,172 | $ 412,287,000 | $ 98,000 | $ 50,000 |
| Hyde | 411 | $ 57,926,000 | $ 140,000 | $ 92,000 |
| Iredell | 16,826 | $ 2,554,312,000 | $ 151,000 | $ 72,000 |
| Jackson | 3,050 | $ 641,293,000 | $ 210,000 | $ 134,000 |
| Johnston | 16,794 | $ 1,812,708,000 | $ 107,000 | $ 56,000 |
| Jones | 677 | $ 60,249,000 | $ 88,000 | $ 53,000 |
| Lee | 4,629 | $ 478,881,000 | $ 103,000 | $ 53,000 |
| Lenoir | 3,846 | $ 301,740,000 | $ 78,000 | $ 48,000 |
| Lincoln | 7,492 | $ 952,562,000 | $ 127,000 | $ 61,000 |
| Macon | 3,183 | $ 555,177,000 | $ 174,000 | $ 103,000 |
| Madison | 1,482 | $ 172,783,000 | $ 116,000 | $ 61,000 |
| Martin | 1,453 | $ 108,895,000 | $ 74,000 | $ 47,000 |
| McDowell | 2,619 | $ 244,424,000 | $ 93,000 | $ 53,000 |
| Mecklenburg | 114,772 | $ 16,255,080,000 | $ 141,000 | $ 73,000 |
| Mitchell | 1,036 | $ 192,860,000 | $ 186,000 | $ 52,000 |
| Montgomery | 1,745 | $ 184,496,000 | $ 105,000 | $ 69,000 |
| Moore | 7,386 | $ 1,033,778,000 | $ 139,000 | $ 75,000 |
| Nash | 7,551 | $ 759,685,000 | $ 100,000 | $ 61,000 |
| New Hanover | 25,979 | $ 4,564,021,000 | $ 175,000 | $ 86,000 |
| Northampton | 1,197 | $ 114,662,000 | $ 95,000 | $ 64,000 |
| Onslow | 14,542 | $ 1,705,664,000 | $ 117,000 | $ 71,000 |
| Orange | 9,040 | $ 1,693,543,000 | $ 187,000 | $ 86,000 |
| Pamlico | 1,092 | $ 136,013,000 | $ 124,000 | $ 70,000 |
| Pasquotank | 4,046 | $ 467,782,000 | $ 115,000 | $ 58,000 |
| Pender | 5,416 | $ 847,191,000 | $ 156,000 | $ 76,000 |
| Perquimans | 1,044 | $ 126,303,000 | $ 120,000 | $ 58,000 |
| Person | 3,244 | $ 342,308,000 | $ 105,000 | $ 54,000 |
| Pitt | 12,617 | $ 1,344,069,000 | $ 106,000 | $ 66,000 |
| Polk | 1,604 | $ 237,500,000 | $ 148,000 | $ 69,000 |
| Randolph | 11,890 | $ 1,185,969,000 | $ 99,000 | $ 50,000 |
| Richmond | 2,512 | $ 176,558,000 | $ 70,000 | $ 46,000 |
| Robeson | 5,741 | $ 436,794,000 | $ 76,000 | $ 49,000 |
| Rockingham | 7,567 | $ 691,213,000 | $ 91,000 | $ 50,000 |
| Rowan | 11,226 | $ 1,146,620,000 | $ 102,000 | $ 54,000 |
| Rutherford | 4,989 | $ 500,986,000 | $ 100,000 | $ 61,000 |
| Sampson | 3,692 | $ 297,220,000 | $ 80,000 | $ 49,000 |
| Scotland | 2,087 | $ 159,800,000 | $ 76,000 | $ 50,000 |
| Stanly | 3,783 | $ 363,281,000 | $ 96,000 | $ 55,000 |
| Stokes | 3,857 | $ 373,481,000 | $ 96,000 | $ 50,000 |
| Surry | 4,942 | $ 459,639,000 | $ 93,000 | $ 53,000 |
| Swain | 973 | $ 120,034,000 | $ 123,000 | $ 68,000 |
| Transylvania | 2,560 | $ 403,489,000 | $ 157,000 | $ 83,000 |
| Tyrrell | 235 | $ 20,435,000 | $ 86,000 | $ 52,000 |
| Union | 24,808 | $ 3,902,342,000 | $ 157,000 | $ 73,000 |
| Vance | 2,914 | $ 266,897,000 | $ 91,000 | $ 51,000 |
| Wake | 95,583 | $ 14,797,612,000 | $ 154,000 | $ 74,000 |
| Warren | 1,271 | $ 160,824,000 | $ 126,000 | $ 75,000 |
| Washington | 774 | $ 64,251,000 | $ 83,000 | $ 55,000 |
| Watauga | 4,084 | $ 762,314,000 | $ 186,000 | $ 114,000 |
| Wayne | 8,705 | $ 802,196,000 | $ 92,000 | $ 52,000 |
| Wilkes | 4,860 | $ 450,517,000 | $ 92,000 | $ 57,000 |
| Wilson | 5,658 | $ 530,864,000 | $ 93,000 | $ 55,000 |
| Yadkin | 2,573 | $ 243,383,000 | $ 94,000 | $ 49,000 |
| Yancey | 1,180 | $ 162,836,000 | $ 137,000 | $ 86,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into North Carolina's 2005 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.
This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively.
Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of North Carolina's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.
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