Scotland County, NC Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,222 mortgage applications in Scotland County, NC totaling $194.7 million, up 11% from 2024. The average application was for $159,000, and applicants reported an average income of $82,000. 40% of applications resulted in an originated loan and 25% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 159 applications, followed by State Employees' Credit Union 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 | 1,222 |
| Total Mortgage Loan Application Amount | $194,690,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $1,915,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,740,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 159 | $ 19,775,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ n/a | 147 | $ 15,985,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 79 | $ 9,855,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 43 | $ 9,015,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 34 | $ 7,700,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 28 | $ 2,770,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 27 | $ 7,015,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 27 | $ 5,735,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 25 | $ 5,245,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 25 | $ 3,655,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ n/a | 23 | $ 4,185,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 22 | $ 2,250,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 21 | $ 3,895,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 21 | $ 3,035,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 20 | $ 2,410,000 |
| First Bank PO BOX 508 SOUTHERN PINES, NC 28387 |
* | $ n/a | 17 | $ 3,845,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 17 | $ 1,865,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 17 | $ 1,975,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 14 | $ 2,030,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 14 | $ 3,420,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 13 | $ 1,325,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 11 | $ 2,585,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 11 | $ 1,885,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 11 | $ 1,935,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 11 | $ 1,965,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 10 | $ 2,750,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 10 | $ 1,510,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 9 | $ 2,525,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 8 | $ 1,100,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 7 | $ 615,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 7 | $ 255,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ n/a | 7 | $ 1,145,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 6 | $ 1,010,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 6 | $ 350,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 6 | $ 740,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 6 | $ 1,440,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ n/a | 6 | $ 920,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 6 | $ 240,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 995,000 |
| Advantagefirst Lending Inc 2 SOUTH POINTE DRIVE SUITES 200-235 LAKE FOREST, CA 92630 |
* | $ n/a | 5 | $ 1,265,000 |
| Primis Bank GLEN ALLEN, VA 23060 |
* | $ n/a | 5 | $ 685,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 5 | $ 745,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 4 | $ 580,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 4 | $ 710,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 4 | $ 1,370,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 4 | $ 690,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 4 | $ 600,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 400,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 4 | $ 560,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 4 | $ 600,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 215,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 3 | $ 435,000 |
| Southern Trust Mortgage, LLC 295 BENDIX ROAD SUITE 400 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 3 | $ 685,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 3 | $ 755,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 3 | $ 665,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 3 | $ 1,045,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 255,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ n/a | 3 | $ 1,135,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 3 | $ 385,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ n/a | 3 | $ 115,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 3 | $ 615,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 3 | $ 175,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 3 | $ 695,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 3 | $ 605,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 3 | $ 505,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 285,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 445,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 2 | $ 380,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 2 | $ 350,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ n/a | 2 | $ 670,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 2 | $ 1,720,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 630,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ n/a | 2 | $ 550,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 360,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 2 | $ 170,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 2 | $ 310,000 |
| Residential Wholesale Mortgage 11234 EL CAMINO REAL #100 SAN DIEGO, CA 92130 |
* | $ n/a | 2 | $ 330,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 370,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ n/a | 2 | $ 260,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 360,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 2 | $ 540,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 690,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 330,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 440,000 |
| Agcarolina Farm Credit, Aca PO BOX 14789 4000 POOLE ROAD RALEIGH, NC 27610 |
* | $ n/a | 2 | $ 900,000 |
| Lumbee Guaranty Bank PO BOX 908 PEMBROKE, NC 28372 |
* | $ n/a | 2 | $ 90,000 |
| South River Mortgage, LLC 1750 FOREST DR SUITE 195 ANNAPOLIS, MD 21401 |
* | $ n/a | 2 | $ 240,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 2 | $ 750,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ n/a | 2 | $ 270,000 |
| Encompass Lending Group, L.P. 23108 SEVEN MEADOWS PKWY SUITE 100 KATY, TX 77494 |
* | $ n/a | 2 | $ 180,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 480,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 2 | $ 360,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ n/a | 2 | $ 190,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 340,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 790,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ n/a | 2 | $ 910,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 260,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 2 | $ 250,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 2 | $ 310,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ n/a | 2 | $ 470,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 2 | $ 390,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 2 | $ 430,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 245,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ n/a | 1 | $ 15,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 105,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 345,000 |
| Saygo Home Loans, LLC 8155 E INDIAN BEND RD, STE 107 SCOTTSDALE, AZ 85250 |
* | $ n/a | 1 | $ 175,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 1 | $ 195,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ n/a | 1 | $ 85,000 |
| Ladera Lending, Inc. 555 CORPORATE DRIVE SUITE 215 LADERA RANCH, CA 92694 |
* | $ n/a | 1 | $ 195,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 1 | $ 255,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ n/a | 1 | $ 215,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 1 | $ 255,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 85,000 |
| Oceanfirst Bank 975 HOOPER AVENUE TOMS RIVER, NJ 08753 |
* | $ n/a | 1 | $ 275,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ n/a | 1 | $ 15,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 1 | $ 55,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 1 | $ 85,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 95,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ n/a | 1 | $ 255,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 325,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 95,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 75,000 |
| Arthur State Bank 131 S MAIN ST UNION, SC 29379 |
* | $ n/a | 1 | $ 415,000 |
| Coastal Federal Credit Union PO BOX 99167 RALEIGH, NC 27690 |
* | $ n/a | 1 | $ 25,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 225,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 345,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 25,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 415,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 215,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 1 | $ 175,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 145,000 |
| Affordable Mortgage Advisors 4640 CAMPBELLS RUN ROAD PITTSBURGH, PA 15205 |
* | $ n/a | 1 | $ 145,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ n/a | 1 | $ 45,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 85,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 35,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 105,000 |
| First Capital Bank 304 MEETING ST CHARLESTON, SC 29401 |
* | $ n/a | 1 | $ 175,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 45,000 |
| Rf Renovo Management Company, LLC 222 W ADAMS ST #1980 CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 1,915,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ n/a | 1 | $ 75,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 85,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 205,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 1 | $ 155,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 75,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ n/a | 1 | $ 75,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 175,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 115,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ n/a | 1 | $ 95,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 195,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ n/a | 1 | $ 145,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 1 | $ 55,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 175,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 135,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 95,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ n/a | 1 | $ 175,000 |
| Banksouth Mortgage Company LLC 6340 LAKE OCONEE PARKWAY SUITE 202 GREENSBORO, GA 30642 |
* | $ n/a | 1 | $ 85,000 |
The tables below break down 2025 mortgage applications in Scotland 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 Scotland 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 | 676 | $118,330,000 | $175,000 | $1,915,000 | $81,000 | $1,740,000 |
| Cash-out Refinancing | 214 | $33,550,000 | $156,000 | $385,000 | $80,000 | $402,000 |
| Refinancing | 145 | $28,715,000 | $198,000 | $615,000 | $91,000 | $273,000 |
| Other Purpose | 94 | $7,360,000 | $78,000 | $345,000 | $83,000 | $427,000 |
| Home Improvement | 91 | $6,385,000 | $70,000 | $265,000 | $87,000 | $302,000 |
| Not Applicable | 2 | $350,000 | $175,000 | $175,000 | $0 | $0 |
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 | 479 | $80,625,000 | $168,000 | $885,000 | $96,000 | $1,740,000 |
| Black or African American | 299 | $38,885,000 | $130,000 | $615,000 | $63,000 | $302,000 |
| Not Provided | 148 | $22,880,000 | $154,000 | $525,000 | $71,000 | $233,000 |
| American Indian or Alaskan Native | 114 | $17,110,000 | $150,000 | $415,000 | $82,000 | $246,000 |
| Not applicable | 101 | $22,045,000 | $218,000 | $1,915,000 | $110,000 | $286,000 |
| Hispanic | 71 | $11,455,000 | $161,000 | $405,000 | $98,000 | $360,000 |
| Asian | 9 | $1,565,000 | $173,000 | $275,000 | $66,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $72,000 | $72,000 |
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) | 806 | $107,080,000 | $132,000 | $1,915,000 | $85,000 | $1,740,000 |
| FHA-insured (Federal Housing Administration) | 236 | $41,320,000 | $175,000 | $495,000 | $68,000 | $360,000 |
| VA-guaranteed (Veterans Administration) | 169 | $44,585,000 | $263,000 | $675,000 | $95,000 | $290,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,705,000 | $155,000 | $225,000 | $55,000 | $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 | 486 | $86,630,000 | $178,000 | $1,915,000 | $95,000 | $1,740,000 |
| Application Denied By Financial Institution | 308 | $37,320,000 | $121,000 | $885,000 | $65,000 | $286,000 |
| Application Withdrawn By Applicant | 162 | $26,360,000 | $162,000 | $585,000 | $91,000 | $402,000 |
| File Closed For Incompleteness | 127 | $16,875,000 | $132,000 | $415,000 | $67,000 | $286,000 |
| Loan Purchased By The Institution | 91 | $18,775,000 | $206,000 | $615,000 | $110,000 | $286,000 |
| Application Approved But Not Accepted | 44 | $7,800,000 | $177,000 | $525,000 | $70,000 | $210,000 |
| Preapproval Approved but not Accepted | 2 | $360,000 | $180,000 | $195,000 | $71,000 | $89,000 |
| Preapproval Denied by Financial Institution | 2 | $570,000 | $285,000 | $395,000 | $125,000 | $140,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 909 | $156,535,000 | $172,000 | $1,915,000 | $89,000 | $1,740,000 |
| Credit History | 124 | $15,560,000 | $125,000 | $885,000 | $64,000 | $233,000 |
| Debt-To-Income Ratio | 88 | $10,220,000 | $116,000 | $345,000 | $57,000 | $168,000 |
| Collateral | 36 | $4,170,000 | $115,000 | $275,000 | $63,000 | $217,000 |
| Credit Application Incomplete | 26 | $2,900,000 | $111,000 | $395,000 | $73,000 | $242,000 |
| Unverifiable Information | 22 | $2,860,000 | $130,000 | $225,000 | $66,000 | $117,000 |
| Other | 12 | $1,650,000 | $137,000 | $315,000 | $136,000 | $286,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $620,000 | $155,000 | $215,000 | $74,000 | $104,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $286,000 | $286,000 |
| 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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