Swain County, NC Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 678 mortgage applications in Swain County, NC totaling $107.3 million, down 23% from 2007. The average application was for $158,000, and applicants reported an average income of $75,000. 43% of applications resulted in an originated loan and 22% were denied. The most active lender was State Employees' Credit Union, with 95 applications, followed by United Community Bank and JPMorgan Chase 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 | 678 |
| Total Mortgage Loan Application Amount | $107,322,000 |
| Average Mortgage Loan Application Amount | $158,000 |
| Highest Mortgage Loan Application Amount | $938,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $1,530,000 |
* 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 |
|---|---|---|---|---|
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 15,012,864,000 | 95 | $ 14,471,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,056,158,000 | 82 | $ 14,458,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 35 | $ 5,775,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 32 | $ 3,344,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 31 | $ 5,303,000 |
| First-Citizens Bank & Trust Co 16 E ROWAN STREET RALEIGH, NC 27609 |
* | $ 13,601,662,000 | 29 | $ 3,246,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 20 | $ 4,823,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 18 | $ 2,575,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 653,269,000,000 | 18 | $ 2,128,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 17 | $ 2,669,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 95,861,810,000 | 16 | $ 1,751,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 16 | $ 3,843,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 15 | $ 2,366,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 13 | $ 2,371,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 12 | $ 2,021,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 12 | $ 2,474,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 499,734,000 | 11 | $ 1,897,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 736,036,000 | 10 | $ 1,302,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 10 | $ 1,574,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 9 | $ 1,892,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 8 | $ 522,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 8 | $ 939,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 8 | $ 812,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 995,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 7 | $ 639,000 |
| Entegra Bank 14 ONE CENTER COURT FRANKLIN, NC 28734 |
* | $ 1,048,815,000 | 7 | $ 1,147,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 7 | $ 1,294,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 1,230,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 558,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 1,162,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 2,784,161,000 | 5 | $ 308,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 4 | $ 968,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 4 | $ 413,000 |
| Lendmark Mortgage and Finance 223 W NASH STREET WILSON, NC 27893 |
* | $ 344,674,148,000 | 4 | $ 263,000 |
| Huntington Federal Savings Ban P O BOX 239 HUNTINGTON, WV 25707 |
* | $ 392,447,000 | 4 | $ 1,129,000 |
| Mountain Credit Union 38 MAPLE STREET WAYNESVILLE, NC 28786 |
* | $ 72,752,000 | 4 | $ 120,000 |
| Sidus Financial, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 3 | $ 1,044,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 3 | $ 325,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 3 | $ 840,000 |
| Cunningham & Company 804 GREEN VALLEY ROAD, SUITE 106 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 3 | $ 516,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 476,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 466,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 246,000 |
| Myers Park Mortgage 141 PROVIDENCE RD CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 2 | $ 265,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 236,000 |
| Wells Fargo Fin'l No Carolina 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 237,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 260,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 2 | $ 283,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 2 | $ 9,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 2 | $ 436,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 922,061,000 | 2 | $ 105,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 2 | $ 428,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,901,132,000 | 2 | $ 211,000 |
| Chevy Chase Bank, F.S.B. 7501 WISCONSIN AVE 13TH FLR-W BETHESDA,, MD 20814 |
* | $ 15,301,433,000 | 1 | $ 419,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 949,331,000 | 1 | $ 88,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,674,004,000 | 1 | $ 128,000 |
| Citizens South Bank PO BOX 2249 GASTONIA, NC 28053 |
* | $ 777,693,000 | 1 | $ 37,000 |
| Florida Choice Bank 301 FAYETTEVILLE STREET, SUITE 1200 RALEIGH, NC 27601 |
* | $ 942,937,000 | 1 | $ 700,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 11,238,962,000 | 1 | $ 192,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 680,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,086,879,000 | 1 | $ 63,000 |
| Coastal Federal Credit Union PO BOX 99167 RALEIGH, NC 27690 |
* | $ 1,881,250,000 | 1 | $ 150,000 |
| Midflorida Credit Union 3008 S FLORIDA AVENUE LAKELAND, FL 33803 |
* | $ 1,202,003,000 | 1 | $ 40,000 |
| Champion Credit Union 1 ACADEMY STREET CANTON, NC 28716 |
* | $ 109,593,000 | 1 | $ 58,000 |
| Hometrust Bank 10 WOODFIN ST ASHEVILLE, NC 28801 |
* | $ 1,239,800,000 | 1 | $ 184,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 1 | $ 19,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 2,597,727,000 | 1 | $ 203,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 248,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 183,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 20,000 |
| Scbt, NA PO BOX 1287 ORANGEBURG, SC 29116 |
* | $ 2,076,454,000 | 1 | $ 40,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 1 | $ 168,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 815,412,000 | 1 | $ 240,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 171,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 200,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 396,000 |
| United Bank PO BOX 8 ATMORE, AL 36502 |
* | $ 456,810,000 | 1 | $ 110,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 150,508,000 | 1 | $ 116,000 |
| First Citizens Bank & Trust Co 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 5,935,186,000 | 1 | $ 191,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 1 | $ 144,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 80,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 25,522,710,000 | 1 | $ 207,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 360,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 1,495,940,000 | 1 | $ 250,000 |
| Castle Point Mortgage, Inc. 7 ENTIN ROAD, STE. 102 PARSIPPANY, NJ 07054 |
* | $ 16,999,000 | 1 | $ 173,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Slm Financial Corporation 300 CONTINENTAL DRIVE NEWARK, DE 19713 |
* | $ 10,000,000 | 1 | $ 12,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 219,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Homeowners Mortgage Enterprise 2530 DEVINE STREET COLUMBIA, SC 29205 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 78,000 |
The tables below break down 2008 mortgage applications in Swain 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 Swain County, NC in 2008
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 | 399 | $65,955,000 | $165,000 | $938,000 | $79,000 | $1,530,000 |
| Home Purchase | 233 | $38,056,000 | $163,000 | $728,000 | $68,000 | $666,000 |
| Home Improvement | 46 | $3,311,000 | $71,000 | $417,000 | $77,000 | $750,000 |
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 | 463 | $73,688,000 | $159,000 | $938,000 | $87,000 | $1,530,000 |
| Not applicable | 80 | $16,425,000 | $205,000 | $728,000 | $7,000 | $119,000 |
| American Indian or Alaskan Native | 60 | $5,631,000 | $93,000 | $286,000 | $53,000 | $170,000 |
| Not Provided | 57 | $8,708,000 | $152,000 | $419,000 | $97,000 | $400,000 |
| Hispanic | 10 | $2,010,000 | $201,000 | $417,000 | $65,000 | $206,000 |
| Black or African American | 4 | $600,000 | $150,000 | $320,000 | $79,000 | $105,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $152,000 | $50,000 | $80,000 | $58,000 | $107,000 |
| Asian | 1 | $108,000 | $108,000 | $108,000 | $66,000 | $66,000 |
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) | 606 | $98,248,000 | $162,000 | $938,000 | $79,000 | $1,530,000 |
| FHA-insured (Federal Housing Administration) | 59 | $7,433,000 | $125,000 | $213,000 | $43,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,432,000 | $130,000 | $263,000 | $33,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 2 | $209,000 | $104,000 | $107,000 | $37,000 | $38,000 |
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 | 294 | $48,704,000 | $165,000 | $700,000 | $92,000 | $1,530,000 |
| Application Denied By Financial Institution | 150 | $17,136,000 | $114,000 | $480,000 | $61,000 | $512,000 |
| Loan Purchased By The Institution | 111 | $20,821,000 | $187,000 | $728,000 | $32,000 | $666,000 |
| Application Withdrawn By Applicant | 59 | $10,303,000 | $174,000 | $860,000 | $91,000 | $692,000 |
| Application Approved But Not Accepted | 39 | $7,085,000 | $181,000 | $938,000 | $111,000 | $691,000 |
| File Closed For Incompleteness | 25 | $3,273,000 | $130,000 | $417,000 | $56,000 | $206,000 |
| 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 | 30 | $3,237,000 | $107,000 | $480,000 | $92,000 | $504,000 |
| Debt-To-Income Ratio | 25 | $2,832,000 | $113,000 | $419,000 | $39,000 | $203,000 |
| Collateral | 14 | $2,045,000 | $146,000 | $417,000 | $81,000 | $512,000 |
| Other | 4 | $569,000 | $142,000 | $220,000 | $69,000 | $136,000 |
| Credit Application Incomplete | 3 | $594,000 | $198,000 | $360,000 | $70,000 | $157,000 |
| Unverifiable Information | 1 | $140,000 | $140,000 | $140,000 | $35,000 | $35,000 |
| Employment History | 1 | $63,000 | $63,000 | $63,000 | $25,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $72,000 | $72,000 | $72,000 | $42,000 | $42,000 |
| 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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