Richmond County, NC Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,154 mortgage applications in Richmond County, NC totaling $113.7 million, up 1% from 2010. The average application was for $98,000, and applicants reported an average income of $56,000. 44% of applications resulted in an originated loan and 25% were denied. The most active lender was Truist Bank, with 264 applications, followed by State Employees' Credit Union and Vanderbilt Mortgage and Finance, Inc.

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Total Number of Mortgage Applications 1,154
Total Mortgage Loan Application Amount $113,714,000
Average Mortgage Loan Application Amount $98,000
Highest Mortgage Loan Application Amount $670,000
Average Applicant Income $56,000
Highest Applicant Income $610,000

Mortgage Company List for Lending in Richmond County, NC for 2011

* 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
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 264 $ 23,316,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 23,061,183,000 143 $ 13,195,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 90 $ 6,004,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 74 $ 6,410,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 66 $ 8,136,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 42 $ 4,839,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 28 $ 3,953,000
Rbc Bank
131 NORTH CHURCH STREET
ROCKY MT., NC 27804
* $ 27,285,986,000 27 $ 1,975,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 24 $ 3,574,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 22 $ 2,766,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 1,085,592,000 22 $ 1,869,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 20 $ 2,125,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 15 $ 766,000
Communityone Bank, N.A.
333 FAYETTEVILLE ST
RALEIGH, NC 27601
* $ 1,898,964,000 15 $ 1,122,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 14 $ 1,191,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 14 $ 2,435,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ 10,000,000 13 $ 1,678,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 11 $ 1,682,000
First Federal of Charleston
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,249,548,000 11 $ 659,000
First Bank
PO BOX 508
TROY, NC 27371
* $ 3,278,081,000 11 $ 846,000
Four Oaks Bank and Trust
6114 US HWY 301 S
FOUR OAKS, NC 27524
* $ 944,659,000 10 $ 426,000
Carolina Farm Credit, Aca
P O BOX 1827
STATESVILLE, NC 28625
* $ 10,000,000 10 $ 1,529,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 9 $ 981,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 8 $ 621,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 8 $ 847,000
Brand Mortgage Group, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
LAWRENCEVILLE, GA 30043
* $ 1,195,416,000 7 $ 989,000
Southern Bank and Trust Compan
PO BOX 729
MT OLIVE, NC 28365
* $ 1,337,305,000 7 $ 453,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 6 $ 314,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 6 $ 674,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 6 $ 286,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 427,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 5 $ 501,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 5 $ 267,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 4 $ 45,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 4 $ 379,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 4 $ 582,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 4 $ 434,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 4 $ 341,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 3 $ 426,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 165,800,581,000 3 $ 17,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 3 $ 596,000
1st Choice Mortgage/Equity Cor
1021 BRIARGATE CIRCLE
COLUMBIA, SC 29210
* $ 10,000,000 3 $ 478,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 3 $ 505,000
Dover Mortgage Company
PO BOX 1626
ASHEBORO, NC 27204
* $ 1,817,511,000 3 $ 290,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 3 $ 418,000
Sidus Financial, LLC
701 GREEN VALLEY ROAD, SUITE 101
GREENSBORO, NC 27408
* $ 10,000,000 3 $ 422,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 2 $ 430,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 147,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 2 $ 135,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 198,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ 10,000,000 2 $ 324,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 404,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 86,000
Fsnb, National Association
PO BOX 33309
LAWTON, OK 73501
* $ 334,268,000 2 $ 9,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 2 $ 219,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 2 $ 514,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,797,006,000 2 $ 472,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 2 $ 255,000
Fidelity Bank
100 S MAIN ST
FUQUAY-VARINA, NC 27526
* $ 1,402,242,000 2 $ 42,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 368,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 2 $ 206,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 2 $ 115,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 1 $ 300,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 1 $ 49,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 1 $ 30,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 102,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 1 $ 103,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 130,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 1 $ 27,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 1 $ 259,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 179,970,802,000 1 $ 110,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 185,000
Cgb Agri Financial Services
2209 RIVER ROAD
LOUISVILLE, KY 40206
* $ 433,538,000 1 $ 65,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 82,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 55,000
Myers Park Mortgage
141 PROVIDENCE RD
CHARLOTTE, NC 28207
* $ 10,000,000 1 $ 201,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 1 $ 182,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 93,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 274,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 58,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ 10,000,000 1 $ 352,000
Ameritrust Mortgage Inc.
11016 RUSHMORE DRIVE, SUITE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 89,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 164,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 141,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 270,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 55,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 1 $ 146,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 1,228,405,000 1 $ 70,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 1,061,721,000 1 $ 20,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ 938,997,000 1 $ 260,000
Founders Federal Credit Union
737 PLANTATION ROAD
LANCASTER, SC 29720
* $ 1,554,278,000 1 $ 120,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 907,624,000 1 $ 58,000
Self Help Federal Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ 209,601,000 1 $ 42,000
First Star Bank, S.S.B.
109 S COMMERCE / PO BOX 7
BREMOND, TX 76629
* $ 193,110,000 1 $ 150,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 1 $ 73,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,217,801,000 1 $ 147,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 296,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 1 $ 129,000
Mwabank
100 17TH STREET
ROCK ISLAND, IL 61201
* $ 241,105,000 1 $ 107,000
Anson Bank & Trust Co.
PO BOX 249
WADESBORO, NC 28170
* $ 58,009,000 1 $ 34,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 3,465,028,000 1 $ 670,000
Union Mortgage Group, Inc.
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 3,804,090,000 1 $ 114,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 67,913,000 1 $ 150,000
Bank of North Carolina
3980 PREMIER DR. STE 150
HIGH POINT, NC 27265
* $ 2,148,565,000 1 $ 199,000
Carolina Bank
PO BOX 10209
GREENSBORO, NC 27404
* $ 676,387,000 1 $ 84,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 147,635,000 1 $ 125,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 124,000

The tables below break down 2011 mortgage applications in Richmond 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 Richmond County, NC in 2011

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 658 $72,396,000 $110,000 $670,000 $61,000 $610,000
Home Purchase 415 $38,259,000 $92,000 $393,000 $50,000 $325,000
Home Improvement 81 $3,059,000 $37,000 $263,000 $49,000 $165,000

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 784 $82,233,000 $104,000 $670,000 $62,000 $610,000
Black or African American 197 $14,854,000 $75,000 $274,000 $42,000 $186,000
Not Provided 94 $9,008,000 $95,000 $365,000 $65,000 $355,000
Not applicable 34 $4,309,000 $126,000 $290,000 $10,000 $89,000
Hispanic 22 $1,850,000 $84,000 $235,000 $48,000 $325,000
American Indian or Alaskan Native 15 $996,000 $66,000 $120,000 $50,000 $95,000
Asian 5 $325,000 $65,000 $100,000 $51,000 $78,000
Native Hawaiian or Other Pacific Islander 3 $139,000 $46,000 $88,000 $22,000 $28,000

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) 802 $74,474,000 $92,000 $670,000 $62,000 $610,000
FHA-insured (Federal Housing Administration) 257 $27,756,000 $108,000 $340,000 $45,000 $180,000
VA-guaranteed (Veterans Administration) 61 $7,717,000 $126,000 $352,000 $45,000 $240,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 34 $3,767,000 $110,000 $201,000 $33,000 $51,000

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 505 $49,613,000 $98,000 $670,000 $63,000 $610,000
Application Denied By Financial Institution 294 $25,457,000 $86,000 $406,000 $46,000 $216,000
Application Withdrawn By Applicant 122 $13,926,000 $114,000 $359,000 $56,000 $240,000
Loan Purchased By The Institution 116 $15,191,000 $130,000 $416,000 $55,000 $467,000
Application Approved But Not Accepted 85 $6,394,000 $75,000 $278,000 $49,000 $240,000
File Closed For Incompleteness 32 $3,133,000 $97,000 $194,000 $71,000 $240,000
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 90 $5,293,000 $58,000 $365,000 $43,000 $133,000
Debt-To-Income Ratio 44 $4,946,000 $112,000 $384,000 $44,000 $182,000
Collateral 35 $3,389,000 $96,000 $393,000 $55,000 $216,000
Other 9 $1,066,000 $118,000 $406,000 $45,000 $87,000
Unverifiable Information 7 $885,000 $126,000 $228,000 $61,000 $167,000
Credit Application Incomplete 7 $689,000 $98,000 $205,000 $41,000 $98,000
Employment History 4 $283,000 $70,000 $107,000 $45,000 $72,000
Insufficient Cash (Downpayment, Closing Cost) 1 $67,000 $67,000 $67,000 $0 $0
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.

Download the North Carolina Lender List