Scotland County, NC Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,066 mortgage applications in Scotland County, NC totaling $96.5 million, up 21% from 2011. The average application was for $90,000, and applicants reported an average income of $52,000. 37% of applications resulted in an originated loan and 36% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 168 applications, followed by Truist Bank and Wells Fargo Bank NA.

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Total Number of Mortgage Applications 1,066
Total Mortgage Loan Application Amount $96,484,000
Average Mortgage Loan Application Amount $90,000
Highest Mortgage Loan Application Amount $789,000
Average Applicant Income $52,000
Highest Applicant Income $454,000

Mortgage Company List for Lending in Scotland County, NC for 2012

* 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
* $ 31,000,000 168 $ 10,855,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 137 $ 14,099,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 135 $ 13,439,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 23,695,260,000 89 $ 7,289,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 61 $ 5,944,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 39 $ 3,259,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 39 $ 3,041,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 35 $ 1,780,000
Communityone Bank, N.A.
333 FAYETTEVILLE ST
RALEIGH, NC 27601
* $ 1,653,680,000 31 $ 3,559,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 23 $ 2,767,000
First Bank
PO BOX 508
TROY, NC 27371
* $ 3,289,441,000 21 $ 2,072,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 14 $ 1,300,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 14 $ 1,454,000
Carolina Bank
PO BOX 10209
GREENSBORO, NC 27404
* $ 672,996,000 12 $ 1,427,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 195,395,000 10 $ 99,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 10 $ 932,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 1,151,341,000 10 $ 887,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 10 $ 1,102,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 9 $ 137,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 685,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 7 $ 814,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 7 $ 790,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 7 $ 60,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 6 $ 208,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 5 $ 348,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 5 $ 451,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 4 $ 422,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 4 $ 622,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 4 $ 376,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 4 $ 341,000
First Federal Bank
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,140,407,000 4 $ 276,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 4 $ 433,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 4 $ 481,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 383,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 1,494,539,000 3 $ 250,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 3 $ 96,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 3 $ 227,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 352,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 3 $ 648,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 3 $ 180,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 2 $ 207,000
First Citizens Bank
1230 MAIN ST
COLUMBIA, SC 29201
* $ 8,103,953,000 2 $ 249,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,571,750,000 2 $ 186,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 2 $ 346,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 386,000
Residential Mortgage Corp.
2547 RAVENHILL ROAD
FAYETTEVILLE, NC 28303
* $ 1,643,000 2 $ 262,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 2 $ 334,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 2 $ 286,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 2 $ 295,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 2 $ 294,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 2 $ 214,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 2 $ 245,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ 961,324,000 2 $ 167,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 3,893,784,000 2 $ 388,000
Self Help Federal Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ 399,400,000 2 $ 158,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 2,231,779,000 2 $ 320,000
Self Help Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ 564,961,000 2 $ 149,000
Campus USA Credit Union
14007 NW 1ST RD
NEWBERRY, FL 32669
* $ 1,080,639,000 1 $ 67,000
Apex Bank
102 E MAIN ST
CAMDEN, TN 38320
* $ 207,050,000 1 $ 6,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 4,196,437,000 1 $ 51,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 1 $ 75,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ 10,000,000 1 $ 161,000
Direct Lenders, Llc.
1600 KENNESAW DUE WEST ROAD SUITE 610
KENNESAW, GA 30152
* $ 1,250,000 1 $ 157,000
Ameritrust Mortgage Inc.
11016 RUSHMORE DRIVE, SUITE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 93,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 276,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 1 $ 166,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ 10,000,000 1 $ 98,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 1 $ 221,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 175,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 41,000
Family Trust Federal Credit Union
1615 PROGRESS WAY
ROCK HILL, SC 29730
* $ 270,505,000 1 $ 10,000
Fort Bragg
1638 SKIBO ROAD
FAYETTEVILLE, NC 28303
* $ 386,684,000 1 $ 83,000
Gateway Bank Mortgage, Inc.
901 E CAREY STREET, SUITE 1700
RICHMOND, VA 23219
* $ 1,899,061,000 1 $ 71,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 101,534,000 1 $ 67,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 119,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,488,863,000 1 $ 1,000
First South Bank
1311 CAROLINA AVE
WASHINGTON, NC 27889
* $ 744,402,000 1 $ 165,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 528,308,000 1 $ 111,000
Rbc Bank (Georgia), N.A.
8081 ARCO CORPORATE DRIVE
RALEIGH, NC 27617
* $ 291,219,000 1 $ 59,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 1 $ 166,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,291,705,000 1 $ 50,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 1 $ 65,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 1 $ 108,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 1 $ 88,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 1 $ 133,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 200,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 178,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 129,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 145,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 10,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ 10,000,000 1 $ 161,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 158,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 44,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 91,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ 10,000,000 1 $ 123,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 102,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 94,000
Resource Financial Services
2717 DEVINE STREET
COLUMBIA, SC 29205
* $ 10,000,000 1 $ 96,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 50,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 50,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 67,000

The tables below break down 2012 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 2012

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 571 $62,027,000 $108,000 $789,000 $59,000 $454,000
Home Purchase 404 $32,540,000 $80,000 $396,000 $43,000 $325,000
Home Improvement 91 $1,917,000 $21,000 $96,000 $50,000 $277,000

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 591 $58,363,000 $98,000 $789,000 $61,000 $454,000
Black or African American 230 $16,195,000 $70,000 $364,000 $41,000 $305,000
Not Provided 108 $9,535,000 $88,000 $356,000 $49,000 $432,000
American Indian or Alaskan Native 65 $5,191,000 $79,000 $249,000 $44,000 $120,000
Not applicable 51 $4,912,000 $96,000 $192,000 $9,000 $100,000
Hispanic 15 $1,511,000 $100,000 $208,000 $49,000 $136,000
Asian 5 $732,000 $146,000 $253,000 $142,000 $315,000
Native Hawaiian or Other Pacific Islander 1 $45,000 $45,000 $45,000 $24,000 $24,000

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) 783 $65,868,000 $84,000 $789,000 $57,000 $454,000
FHA-insured (Federal Housing Administration) 173 $17,603,000 $101,000 $276,000 $40,000 $192,000
VA-guaranteed (Veterans Administration) 73 $8,921,000 $122,000 $223,000 $35,000 $149,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 37 $4,092,000 $110,000 $168,000 $40,000 $63,000

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 394 $39,396,000 $99,000 $789,000 $62,000 $454,000
Application Denied By Financial Institution 389 $28,374,000 $72,000 $364,000 $45,000 $432,000
Loan Purchased By The Institution 94 $10,139,000 $107,000 $249,000 $29,000 $129,000
Application Approved But Not Accepted 91 $6,274,000 $68,000 $314,000 $42,000 $149,000
Application Withdrawn By Applicant 62 $7,070,000 $114,000 $276,000 $66,000 $305,000
File Closed For Incompleteness 36 $5,231,000 $145,000 $385,000 $89,000 $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 108 $5,972,000 $55,000 $208,000 $42,000 $159,000
Debt-To-Income Ratio 42 $2,686,000 $63,000 $231,000 $37,000 $277,000
Collateral 29 $3,005,000 $103,000 $364,000 $82,000 $432,000
Credit Application Incomplete 21 $2,135,000 $101,000 $330,000 $60,000 $294,000
Other 15 $1,624,000 $108,000 $227,000 $71,000 $143,000
Insufficient Cash (Downpayment, Closing Cost) 7 $516,000 $73,000 $162,000 $53,000 $72,000
Unverifiable Information 6 $767,000 $127,000 $305,000 $75,000 $300,000
Employment History 1 $7,000 $7,000 $7,000 $19,000 $19,000
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.

Download the North Carolina Lender List