Swain County, NC Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 427 mortgage applications in Swain County, NC totaling $60.7 million, down 28% from 2013. The average application was for $142,000, and applicants reported an average income of $87,000. 48% of applications resulted in an originated loan and 25% were denied. The most active lender was State Employees' Credit Union, with 85 applications, followed by United Community Bank and First Ciitizens Bank and Trust.
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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 | 427 |
| Total Mortgage Loan Application Amount | $60,717,000 |
| Average Mortgage Loan Application Amount | $142,000 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $1,006,000 |
* 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 |
* | $ 27,107,074,000 | 85 | $ 10,970,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,392,483,000 | 37 | $ 4,533,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 20,857,559,000 | 25 | $ 2,780,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 24 | $ 3,702,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 20 | $ 1,690,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,314,640,000 | 17 | $ 2,530,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 15 | $ 1,890,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 10 | $ 2,255,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 9 | $ 997,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 9 | $ 1,948,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 8 | $ 1,230,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 8 | $ 552,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 1,059,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 661,743,000 | 7 | $ 951,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 7 | $ 1,390,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 1,466,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 684,000 |
| Entegra Bank 14 ONE CENTER COURT FRANKLIN, NC 28734 |
* | $ 783,997,000 | 5 | $ 754,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 5 | $ 616,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 4 | $ 378,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 4 | $ 562,000 |
| Bank of North Carolina 3980 PREMIER DR. STE 150 HIGH POINT, NC 27265 |
* | $ 3,227,841,000 | 4 | $ 496,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 553,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 4 | $ 350,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 4 | $ 708,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 3 | $ 310,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,933,259,000 | 3 | $ 267,000 |
| Cmc Funding, Inc. 814 A1A NORTH, STE. 303 PONTE VEDRA BEACH, FL 32082 |
* | $ 10,000,000 | 3 | $ 424,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 278,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 643,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 4,155,026,000 | 3 | $ 769,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 4,499,998,000 | 2 | $ 250,000 |
| Carolina Farm Credit, Aca P O BOX 1827 STATESVILLE, NC 28625 |
* | $ 10,000,000 | 2 | $ 599,000 |
| Certusbank, N.A. 2 WEST WASHINGTON STREET 5TH FLOOR GREENVILLE, SC 29601 |
* | $ 1,656,164,000 | 2 | $ 287,000 |
| Southern First Bank 100 VERDAE BLVD GREENVILLE, SC 29607 |
* | $ 889,320,000 | 2 | $ 355,000 |
| Hometrust Bank N.A. P O BOX 10 ASHEVILLE, NC 28804 |
* | $ 1,597,558,000 | 2 | $ 346,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 2 | $ 101,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 330,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ 10,000,000 | 2 | $ 172,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 2 | $ 451,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 99,877,000,000 | 1 | $ 300,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 22,971,000,000 | 1 | $ 308,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 80,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 84,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 1 | $ 160,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 149,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 200,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 135,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 1 | $ 117,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 11,345,180,000 | 1 | $ 110,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 217,626,166,000 | 1 | $ 7,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ 1,053,750,000 | 1 | $ 15,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 6,615,096,000 | 1 | $ 336,000 |
| Mountain Credit Union 38 MAPLE STREET WAYNESVILLE, NC 28786 |
* | $ 156,665,000 | 1 | $ 30,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 435,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 193,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 16,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 410,770,000 | 1 | $ 258,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 0 | 1 | $ 125,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 193,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 258,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 155,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 64,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 272,000 |
| Southern Trust Mortgage, LLC 4433 CORPORATION LANE SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 41,745,000 | 1 | $ 260,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 208,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 1 | $ 169,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 1 | $ 280,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 375,205,000 | 1 | $ 172,000 |
| The National Bank of Georgia 2234 WEST BROAD STREET ATHENS, GA 30606 |
* | $ 328,682,000 | 1 | $ 279,000 |
| Gmh Mortgage Services LLC 625 W RIDGE PIKE STE 100; BUILDING C CONSHOHOCKEN, PA 19428 |
* | $ 0 | 1 | $ 90,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 172,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 1 | $ 220,000 |
| Gateway Bank Mortgage, Inc. 901 E CAREY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 1,630,170,000 | 1 | $ 137,000 |
| The Palmetto Bank 306 EAST NORTH STREET GREENVILLE, SC 29601 |
* | $ 1,090,431,000 | 1 | $ 99,000 |
| American Founders Bank, Inc. 1200 FOREST BRIDGE ROAD LOUISVILLE, KY 40223 |
* | $ 276,028,000 | 1 | $ 386,000 |
| Champion Credit Union 1 ACADEMY STREET CANTON, NC 28716 |
* | $ 183,536,000 | 1 | $ 146,000 |
The tables below break down 2014 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 2014
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 | 206 | $27,678,000 | $134,000 | $417,000 | $76,000 | $562,000 |
| Refinancing | 190 | $31,191,000 | $164,000 | $645,000 | $104,000 | $1,006,000 |
| Home Improvement | 31 | $1,848,000 | $59,000 | $155,000 | $59,000 | $306,000 |
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 | 311 | $44,831,000 | $144,000 | $645,000 | $93,000 | $1,006,000 |
| American Indian or Alaskan Native | 46 | $4,706,000 | $102,000 | $596,000 | $64,000 | $151,000 |
| Not applicable | 30 | $4,563,000 | $152,000 | $339,000 | $29,000 | $298,000 |
| Not Provided | 28 | $5,175,000 | $184,000 | $580,000 | $117,000 | $400,000 |
| Hispanic | 9 | $1,149,000 | $127,000 | $216,000 | $120,000 | $562,000 |
| Black or African American | 2 | $144,000 | $72,000 | $80,000 | $47,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $149,000 | $149,000 | $149,000 | $25,000 | $25,000 |
| Asian | 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) | 364 | $51,760,000 | $142,000 | $645,000 | $95,000 | $1,006,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,700,000 | $117,000 | $186,000 | $26,000 | $65,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,515,000 | $119,000 | $199,000 | $42,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,742,000 | $196,000 | $320,000 | $68,000 | $143,000 |
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 | 204 | $29,888,000 | $146,000 | $645,000 | $99,000 | $1,006,000 |
| Application Denied By Financial Institution | 107 | $13,587,000 | $126,000 | $615,000 | $66,000 | $319,000 |
| Loan Purchased By The Institution | 46 | $7,024,000 | $152,000 | $339,000 | $66,000 | $555,000 |
| Application Withdrawn By Applicant | 35 | $5,561,000 | $158,000 | $406,000 | $117,000 | $396,000 |
| Application Approved But Not Accepted | 29 | $3,200,000 | $110,000 | $417,000 | $63,000 | $245,000 |
| File Closed For Incompleteness | 6 | $1,457,000 | $242,000 | $320,000 | $190,000 | $400,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 22 | $3,670,000 | $166,000 | $600,000 | $93,000 | $319,000 |
| Credit History | 22 | $1,620,000 | $73,000 | $225,000 | $49,000 | $111,000 |
| Debt-To-Income Ratio | 15 | $2,176,000 | $145,000 | $325,000 | $59,000 | $225,000 |
| Credit Application Incomplete | 3 | $881,000 | $293,000 | $615,000 | $244,000 | $299,000 |
| Other | 3 | $173,000 | $57,000 | $96,000 | $88,000 | $120,000 |
| Unverifiable Information | 3 | $505,000 | $168,000 | $320,000 | $57,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $474,000 | $237,000 | $354,000 | $71,000 | $85,000 |
| 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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