Northampton County, NC Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 581 mortgage applications in Northampton County, NC totaling $106.4 million, up 15% from 2024. The average application was for $183,000, and applicants reported an average income of $111,000. 39% of applications resulted in an originated loan and 26% were denied. The most active lender was State Employees' Credit Union, with 113 applications, followed by Vanderbilt Mortgage and Finance, Inc and 21st Mortgage.

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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 581
Total Mortgage Loan Application Amount $106,365,000
Average Mortgage Loan Application Amount $183,000
Highest Mortgage Loan Application Amount $2,495,000
Average Applicant Income $111,000
Highest Applicant Income $1,854,000

Mortgage Company List for Lending in Northampton 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 113 $ 10,855,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 50 $ 6,250,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 38 $ 5,820,000
Southern Bank and Trust Company
PO BOX 729
MOUNT OLIVE, NC 28365
* $ n/a 23 $ 3,345,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 23 $ 3,865,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 15 $ 2,305,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 14 $ 3,070,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 13 $ 2,045,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 12 $ 2,490,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 11 $ 1,105,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 10 $ 2,210,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 9 $ 1,845,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 8 $ 1,600,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 7 $ 665,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ n/a 7 $ 265,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 7 $ 3,005,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 7 $ 2,845,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 6 $ 1,030,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 6 $ 1,200,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 6 $ 610,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 6 $ 640,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 5 $ 495,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 5 $ 875,000
Benchmark Community Bank
P O BOX 569
KENBRIDGE, VA 23944
* $ n/a 5 $ 2,415,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 5 $ 1,955,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 4 $ 920,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 4 $ 2,860,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 4 $ 920,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 4 $ 1,970,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 4 $ 780,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 4 $ 990,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 4 $ 130,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ n/a 3 $ 1,335,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 775,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 3 $ 955,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 3 $ 735,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 3 $ 355,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ n/a 3 $ 115,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ n/a 3 $ 935,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 2 $ 120,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 2 $ 100,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ n/a 2 $ 350,000
Agcarolina Farm Credit, Aca
PO BOX 14789 4000 POOLE ROAD
RALEIGH, NC 27610
* $ n/a 2 $ 590,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 2 $ 350,000
Carter Bank and Trust
PO BOX 3748
MARTINSVILLE, VA 24112
* $ n/a 2 $ 2,780,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ n/a 2 $ 390,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ n/a 2 $ 130,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 260,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 2 $ 480,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 2 $ 220,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 110,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 2 $ 50,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 360,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 2 $ 360,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 640,000
North State Bank
6200 FALLS OF THE NEUSE ROAD
RALEIGH, NC 27609
* $ n/a 2 $ 290,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 550,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ n/a 2 $ 300,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 2 $ 1,040,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ n/a 2 $ 620,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 2 $ 350,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 330,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 2 $ 430,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 2 $ 930,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 2 $ 1,540,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 2 $ 3,000,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 2 $ 760,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ n/a 1 $ 115,000
Bellco Credit Union
7600 E. ORCHARD ROAD #400N
GREENWOOD VILLAGE, CO 80111
* $ n/a 1 $ 95,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 1 $ 185,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 75,000
First Bank
PO BOX 508
SOUTHERN PINES, NC 28387
* $ n/a 1 $ 1,005,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 305,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ n/a 1 $ 75,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 1 $ 75,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 125,000
Sente Mortgage, Inc.
4520 BURNET ROAD
AUSTIN, TX 78756
* $ n/a 1 $ 75,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 135,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 305,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 385,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 285,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ n/a 1 $ 125,000
Providence Bank
450 N WINSTEAD AVE
ROCKY MOUNT, NC 27804
* $ n/a 1 $ 125,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ n/a 1 $ 45,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 75,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 85,000
Tidewater Home Funding, LLC
1108 EDEN WAY
CHESAPEAKE, VA 23320
* $ n/a 1 $ 175,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 1 $ 175,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ n/a 1 $ 505,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 105,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 275,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 1 $ 75,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 1 $ 55,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 1 $ 635,000
Southern First Bank
100 VERDAE BLVD
GREENVILLE, SC 29607
* $ n/a 1 $ 255,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 65,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 555,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 1 $ 175,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 415,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 645,000
Bronco Federal Credit Union
135 STEWART DR
FRANKLIN, VA 23851
* $ n/a 1 $ 325,000
Rw Towne, LLC
3 COMMERCIAL PL STE 1410
NORFOLK, VA 23510
* $ n/a 1 $ 125,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 1 $ 155,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ n/a 1 $ 325,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 1 $ 75,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 125,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 65,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 105,000
Archer Mortgage LLC
1100 LASKIN RD SERVICE RD SUITE 200
VIRGINIA BEACH, VA 23451
* $ n/a 1 $ 295,000

The tables below break down 2025 mortgage applications in Northampton 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 Northampton 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 288 $66,280,000 $230,000 $2,495,000 $127,000 $1,854,000
Cash-out Refinancing 82 $11,960,000 $145,000 $455,000 $79,000 $738,000
Other Purpose 76 $6,810,000 $89,000 $1,005,000 $109,000 $1,454,000
Refinancing 73 $13,885,000 $190,000 $895,000 $79,000 $249,000
Home Improvement 56 $7,080,000 $126,000 $1,925,000 $117,000 $540,000
Not Applicable 6 $350,000 $58,000 $115,000 $36,000 $43,000

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 245 $55,725,000 $227,000 $2,495,000 $142,000 $1,854,000
Black or African American 193 $21,055,000 $109,000 $305,000 $72,000 $696,000
Not Provided 57 $10,865,000 $190,000 $1,005,000 $105,000 $1,454,000
Not applicable 56 $15,030,000 $268,000 $1,765,000 $277,000 $841,000
Hispanic 18 $2,070,000 $115,000 $245,000 $86,000 $499,000
American Indian or Alaskan Native 7 $715,000 $102,000 $135,000 $39,000 $71,000
Asian 3 $675,000 $225,000 $545,000 $166,000 $271,000
Native Hawaiian or Other Pacific Islander 2 $230,000 $115,000 $125,000 $71,000 $96,000

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) 430 $76,710,000 $178,000 $2,495,000 $122,000 $1,854,000
FHA-insured (Federal Housing Administration) 91 $14,995,000 $164,000 $525,000 $65,000 $339,000
VA-guaranteed (Veterans Administration) 52 $13,400,000 $257,000 $895,000 $90,000 $264,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $1,260,000 $157,000 $175,000 $64,000 $84,000

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 229 $54,035,000 $235,000 $2,495,000 $152,000 $1,854,000
Application Denied By Financial Institution 150 $16,950,000 $113,000 $505,000 $69,000 $696,000
File Closed For Incompleteness 71 $11,425,000 $160,000 $895,000 $82,000 $384,000
Application Withdrawn By Applicant 59 $8,115,000 $137,000 $625,000 $74,000 $339,000
Loan Purchased By The Institution 50 $11,330,000 $226,000 $895,000 $227,000 $841,000
Application Approved But Not Accepted 22 $4,510,000 $205,000 $895,000 $122,000 $480,000
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 430 $89,290,000 $207,000 $2,495,000 $128,000 $1,854,000
Credit History 67 $6,945,000 $103,000 $305,000 $80,000 $696,000
Debt-To-Income Ratio 48 $5,890,000 $122,000 $505,000 $60,000 $134,000
Collateral 15 $1,715,000 $114,000 $435,000 $56,000 $189,000
Credit Application Incomplete 9 $885,000 $98,000 $245,000 $58,000 $94,000
Unverifiable Information 7 $1,045,000 $149,000 $235,000 $65,000 $109,000
Other 4 $440,000 $110,000 $155,000 $80,000 $108,000
Insufficient Cash (Downpayment, Closing Cost) 1 $155,000 $155,000 $155,000 $49,000 $49,000
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