Scotland County, NC Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 896 mortgage applications in Scotland County, NC totaling $92.1 million, up 9% from 2014. The average application was for $102,000, and applicants reported an average income of $49,000. 38% of applications resulted in an originated loan and 30% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 144 applications, followed by State Employees' Credit Union and Wells Fargo Bank NA.

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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 896
Total Mortgage Loan Application Amount $92,105,000
Average Mortgage Loan Application Amount $102,000
Highest Mortgage Loan Application Amount $8,000,000
Average Applicant Income $49,000
Highest Applicant Income $954,000

Mortgage Company List for Lending in Scotland County, NC for 2015

* 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
* $ 31,000,000 144 $ 9,659,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 29,477,544,000 111 $ 10,898,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 92 $ 6,617,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 36 $ 10,269,000
First Bank
PO BOX 508
TROY, NC 27371
* $ 3,217,774,000 36 $ 4,002,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 27 $ 2,896,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 27 $ 2,246,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 21 $ 1,927,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 21 $ 2,609,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 18 $ 2,373,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 1,458,059,000 17 $ 1,339,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 16 $ 792,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 14 $ 1,287,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 14 $ 1,267,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 13 $ 1,554,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 11 $ 1,012,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 11 $ 511,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 8 $ 1,479,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 8 $ 1,310,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 8 $ 1,054,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 8 $ 489,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 7 $ 689,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 7 $ 719,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 7 $ 549,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 21,553,919,000 7 $ 983,000
Communityone Bank, N.A.
333 FAYETTEVILLE ST
RALEIGH, NC 27601
* $ 2,210,134,000 5 $ 417,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 7,827,707,000 5 $ 586,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 403,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 5 $ 538,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 5 $ 597,000
Self Help Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ 674,100,000 5 $ 398,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 4 $ 449,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 4 $ 497,000
Carolina Bank
PO BOX 10209
GREENSBORO, NC 27404
* $ 679,799,000 4 $ 506,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 4 $ 329,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 431,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 4 $ 91,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 3 $ 431,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ 10,000,000 3 $ 299,000
Carolina Farm Credit, Aca
P O BOX 1827
STATESVILLE, NC 28625
* $ 10,000,000 3 $ 325,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 3 $ 120,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 3 $ 614,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 3 $ 237,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 1,770,509,000 2 $ 163,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 2 $ 350,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 2 $ 248,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 254,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 248,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 550,000
Potomac Mortgage Group, Inc.
4035 RIDGE TOP ROAD, SUITE 100
FAIRFAX, VA 22030
* $ 15,000,000 2 $ 179,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 207,000
North State Bank
6200 FALLS OF THE NEUSE ROAD
RALEIGH, NC 27609
* $ 685,958,000 2 $ 252,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 173,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 277,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 2 $ 259,000
Residential Mortgage Corp.
2547 RAVENHILL ROAD
FAYETTEVILLE, NC 28303
* $ 1,643,000 2 $ 235,000
First Direct Lending LLC
15261 LAGUNA CANYON ROAD, SUITE 200
IRVINE, CA 92618
* $ 0 2 $ 223,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 2 $ 48,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 366,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 362,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 2 $ 264,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 2 $ 117,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 1 $ 51,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 4,519,923,000 1 $ 15,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 1 $ 208,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 1 $ 146,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 1 $ 146,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 1 $ 120,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 1 $ 148,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 127,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 45,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 96,000
Southern Trust Mortgage, LLC
4433 CORPORATION LANE SUITE 300
VIRGINIA BEACH, VA 23462
* $ 41,745,000 1 $ 194,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 99,000
Cmc Funding, Inc.
814 A1A NORTH, STE. 303
PONTE VEDRA BEACH, FL 32082
* $ 10,000,000 1 $ 251,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 1 $ 54,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 123,000
Four Oaks Bank and Trust
6114 US HWY 301 S
FOUR OAKS, NC 27524
* $ 820,454,000 1 $ 23,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 257,892,000 1 $ 43,000
First Tn Bk NA
333 FAYETTEVILLE ST
RALEIGH, NC 27601
* $ 6,830,545,000 1 $ 180,000
Ovm Financial, Inc.
816 GREENBRIER CIRCLE SUITE 100
CHESAPEAKE, VA 23320
* $ 10,000,000 1 $ 99,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 82,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 1 $ 59,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 88,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 152,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 156,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 295,168,000 1 $ 120,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 1 $ 139,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 1 $ 116,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 421,354,000 1 $ 99,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 1 $ 92,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 1 $ 524,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 1 $ 120,000
Farmers & Merchants Bank
PO BOX 1111
TIMBERVILLE, VA 22853
* $ 604,971,000 1 $ 106,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 140,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 120,000
Infirst Federal Credit Union
6462 LITTLE RIVER TURNPIKE
ALEXANDRIA, VA 22312
* $ 159,499,000 1 $ 8,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 5,424,901,000 1 $ 7,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,622,355,000 1 $ 41,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 972,551,000 1 $ 25,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 139,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 1 $ 86,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 1 $ 198,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 46,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ 1,112,478,000 1 $ 98,000

The tables below break down 2015 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 2015

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 430 $40,466,000 $94,000 $311,000 $47,000 $954,000
Refinancing 375 $41,162,000 $109,000 $532,000 $53,000 $381,000
Home Improvement 91 $10,477,000 $115,000 $8,000,000 $46,000 $157,000

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 435 $43,723,000 $100,000 $531,000 $58,000 $381,000
Black or African American 208 $14,845,000 $71,000 $265,000 $40,000 $147,000
Not Provided 92 $10,108,000 $109,000 $532,000 $59,000 $954,000
American Indian or Alaskan Native 77 $6,902,000 $89,000 $330,000 $49,000 $116,000
Not applicable 61 $13,807,000 $226,000 $8,000,000 $4,000 $63,000
Hispanic 14 $1,699,000 $121,000 $205,000 $54,000 $134,000
Asian 5 $568,000 $113,000 $250,000 $60,000 $92,000
Native Hawaiian or Other Pacific Islander 4 $453,000 $113,000 $261,000 $63,000 $107,000

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) 593 $56,987,000 $96,000 $8,000,000 $53,000 $954,000
FHA-insured (Federal Housing Administration) 166 $15,827,000 $95,000 $276,000 $36,000 $229,000
VA-guaranteed (Veterans Administration) 101 $15,333,000 $151,000 $532,000 $60,000 $381,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 36 $3,958,000 $109,000 $194,000 $28,000 $70,000

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 336 $35,013,000 $104,000 $531,000 $59,000 $327,000
Application Denied By Financial Institution 270 $22,565,000 $83,000 $532,000 $47,000 $954,000
File Closed For Incompleteness 121 $9,390,000 $77,000 $360,000 $43,000 $160,000
Loan Purchased By The Institution 78 $8,011,000 $102,000 $251,000 $16,000 $104,000
Application Withdrawn By Applicant 64 $6,413,000 $100,000 $276,000 $51,000 $182,000
Application Approved But Not Accepted 27 $10,713,000 $396,000 $8,000,000 $70,000 $340,000
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 67 $3,140,000 $46,000 $187,000 $44,000 $127,000
Debt-To-Income Ratio 41 $3,896,000 $95,000 $250,000 $36,000 $108,000
Collateral 28 $3,265,000 $116,000 $532,000 $81,000 $381,000
Other 12 $1,007,000 $83,000 $330,000 $47,000 $107,000
Credit Application Incomplete 8 $706,000 $88,000 $198,000 $51,000 $92,000
Unverifiable Information 5 $446,000 $89,000 $146,000 $70,000 $145,000
Insufficient Cash (Downpayment, Closing Cost) 5 $855,000 $171,000 $334,000 $82,000 $170,000
Employment History 1 $81,000 $81,000 $81,000 $50,000 $50,000
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