Swain County, NC Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 464 mortgage applications in Swain County, NC totaling $80.1 million, down 29% from 2009. The average application was for $172,000, and applicants reported an average income of $93,000. 49% of applications resulted in an originated loan and 21% were denied. The most active lender was United Community Bank, with 59 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 | 464 |
| Total Mortgage Loan Application Amount | $80,073,000 |
| Average Mortgage Loan Application Amount | $172,000 |
| Highest Mortgage Loan Application Amount | $1,680,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $1,034,000 |
* 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 |
|---|---|---|---|---|
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,984,141,000 | 59 | $ 7,859,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 19,574,613,000 | 58 | $ 7,811,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 49 | $ 9,943,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 21 | $ 3,969,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 20 | $ 4,971,000 |
| First-Citizens Bank & Trust Co 16 E ROWAN STREET RALEIGH, NC 27609 |
* | $ 15,798,830,000 | 17 | $ 2,661,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 14 | $ 2,311,000 |
| Entegra Bank 14 ONE CENTER COURT FRANKLIN, NC 28734 |
* | $ 1,080,891,000 | 13 | $ 2,272,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 13 | $ 1,981,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 12 | $ 1,775,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 696,719,000 | 11 | $ 1,543,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 10 | $ 1,207,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 10 | $ 2,689,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 10 | $ 1,488,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 8 | $ 1,554,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 7 | $ 1,018,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 847,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 6 | $ 1,467,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 1,385,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 269,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 995,949,000 | 5 | $ 539,000 |
| Urban Trust Bank 400 COLONIAL CENTER PARKWAY LAKE MARY, FL 32746 |
* | $ 696,889,000 | 5 | $ 1,001,000 |
| Cunningham & Company 804 GREEN VALLEY ROAD, SUITE 106 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 4 | $ 583,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 845,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 89,620,000 | 4 | $ 457,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 4 | $ 340,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 27,472,172,000 | 3 | $ 517,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 3 | $ 823,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 384,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 3 | $ 674,000 |
| Sidus Financial, LLC 701 GREEN VALLEY ROAD, SUITE 101 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 3 | $ 296,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,421,986,000 | 2 | $ 110,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 2 | $ 642,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 184,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 183,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 178,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 2 | $ 1,028,000 |
| Hometrust Bank 10 WOODFIN ST ASHEVILLE, NC 28801 |
* | $ 1,454,117,000 | 2 | $ 346,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 2 | $ 1,792,000 |
| Scbt, NA PO BOX 1287 ORANGEBURG, SC 29116 |
* | $ 2,700,320,000 | 2 | $ 259,000 |
| Seacoast National Bank 815 S COLORADO AVE MIAMI, FL 34994 |
* | $ 2,149,571,000 | 2 | $ 14,000 |
| Brand Mortgage Group, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 LAWRENCEVILLE, GA 30043 |
* | $ 12,000,000 | 2 | $ 452,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 93,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 240,000 |
| Coastal Mortgage Services, Inc 11230 CARMEL COMMONS BOULEVARD CHARLOTTE, NC 28226 |
* | $ 10,000,000 | 1 | $ 228,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 3,634,677,000 | 1 | $ 348,000 |
| First Citizens Bank & Trust Co 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 8,275,010,000 | 1 | $ 70,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 1 | $ 175,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 96,000 |
| Gateway Bank Mortgage, Inc. 901 E CAREY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 2,649,511,000 | 1 | $ 120,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 1,846,127,000 | 1 | $ 417,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 25,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,319,978,000 | 1 | $ 234,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 2,823,342,000 | 1 | $ 247,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 1 | $ 354,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 234,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 86,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 1 | $ 417,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 1 | $ 561,000 |
| Amegy Mortgage Company, L.L.C 4576 RESEARCH FOREST BLVD THE WOODLANDS, TX 77381 |
* | $ 31,000,000 | 1 | $ 1,065,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 241,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DR. VERNON HILLS, IL 60061 |
* | $ 36,000,000 | 1 | $ 237,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 254,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 354,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 238,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 116,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,726,828,000 | 1 | $ 31,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 130,000 |
| North State Bank 6200 FALLS OF THE NEUSE ROAD RALEIGH, NC 27609 |
* | $ 678,973,000 | 1 | $ 122,000 |
| Southern Community Bank and Tr 465 SHEPHERD STREET WINSTON SALEM, NC 27103 |
* | $ 1,724,767,000 | 1 | $ 561,000 |
| Presidential Bank, F.S.B. 4600 EAST-WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ 604,222,000 | 1 | $ 210,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 112,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ 960,513,000 | 1 | $ 208,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 998,046,000 | 1 | $ 65,000 |
| Mountain Credit Union 38 MAPLE STREET WAYNESVILLE, NC 28786 |
* | $ 97,944,000 | 1 | $ 23,000 |
The tables below break down 2010 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 2010
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 | 297 | $55,799,000 | $187,000 | $1,065,000 | $98,000 | $1,034,000 |
| Home Purchase | 135 | $22,747,000 | $168,000 | $1,680,000 | $91,000 | $893,000 |
| Home Improvement | 32 | $1,527,000 | $47,000 | $252,000 | $52,000 | $310,000 |
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 | 341 | $60,395,000 | $177,000 | $1,680,000 | $103,000 | $1,034,000 |
| American Indian or Alaskan Native | 44 | $4,332,000 | $98,000 | $237,000 | $52,000 | $128,000 |
| Not applicable | 39 | $6,979,000 | $178,000 | $561,000 | $19,000 | $639,000 |
| Not Provided | 35 | $7,832,000 | $223,000 | $1,065,000 | $132,000 | $465,000 |
| Hispanic | 3 | $298,000 | $99,000 | $113,000 | $51,000 | $113,000 |
| Asian | 1 | $225,000 | $225,000 | $225,000 | $121,000 | $121,000 |
| Black or African American | 1 | $12,000 | $12,000 | $12,000 | $164,000 | $164,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 384 | $69,802,000 | $181,000 | $1,680,000 | $103,000 | $1,034,000 |
| FHA-insured (Federal Housing Administration) | 55 | $6,312,000 | $114,000 | $391,000 | $43,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,130,000 | $164,000 | $274,000 | $50,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 6 | $829,000 | $138,000 | $179,000 | $31,000 | $50,000 |
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 | 228 | $38,559,000 | $169,000 | $1,680,000 | $104,000 | $1,034,000 |
| Application Denied By Financial Institution | 99 | $17,402,000 | $175,000 | $1,065,000 | $80,000 | $465,000 |
| Loan Purchased By The Institution | 67 | $11,492,000 | $171,000 | $561,000 | $49,000 | $639,000 |
| Application Withdrawn By Applicant | 43 | $7,858,000 | $182,000 | $1,000,000 | $117,000 | $832,000 |
| Application Approved But Not Accepted | 17 | $2,310,000 | $135,000 | $411,000 | $78,000 | $358,000 |
| File Closed For Incompleteness | 10 | $2,452,000 | $245,000 | $792,000 | $189,000 | $988,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 21 | $3,556,000 | $169,000 | $417,000 | $51,000 | $225,000 |
| Collateral | 20 | $4,304,000 | $215,000 | $1,065,000 | $108,000 | $387,000 |
| Credit History | 13 | $1,373,000 | $105,000 | $417,000 | $65,000 | $180,000 |
| Other | 11 | $1,840,000 | $167,000 | $321,000 | $85,000 | $172,000 |
| Credit Application Incomplete | 4 | $638,000 | $159,000 | $417,000 | $147,000 | $465,000 |
| Unverifiable Information | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $245,000 | $245,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $285,000 | $285,000 | $285,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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