Watauga County, NC Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 2,094 mortgage applications in Watauga County, NC totaling $840.3 million, up 22% from 2024. The average application was for $401,000, and applicants reported an average income of $235,000. 57% of applications resulted in an originated loan and 14% were denied. The most active lender was State Employees' Credit Union, with 293 applications, followed by PennyMac Loan Services LLC and Bank of America 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 2,094
Total Mortgage Loan Application Amount $840,290,000
Average Mortgage Loan Application Amount $401,000
Highest Mortgage Loan Application Amount $42,005,000
Average Applicant Income $235,000
Highest Applicant Income $6,503,000

Mortgage Company List for Lending in Watauga County, NC for 2025

* 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
* $ n/a 293 $ 74,655,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 77 $ 35,685,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 77 $ 29,935,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 75 $ 29,725,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 72 $ 23,960,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 62 $ 24,200,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 62 $ 23,570,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 54 $ 18,940,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 53 $ 24,725,000
Skyline National Bank
PO BOX 186
INDEPENDENCE, VA 24348
* $ n/a 47 $ 23,205,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 38 $ 15,350,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 37 $ 14,665,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 37 $ 15,975,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 35 $ 15,075,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 30 $ 18,550,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 29 $ 8,485,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 29 $ 5,115,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 26 $ 6,170,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 22 $ 12,000,000
Bank of Tennessee
301 E. CENTER ST.
KINGSPORT, TN 37660
* $ n/a 20 $ 6,010,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 17 $ 2,475,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 16 $ 3,420,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 16 $ 5,710,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ n/a 14 $ 3,650,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 14 $ 4,110,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 14 $ 3,620,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 14 $ 6,490,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 13 $ 6,155,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 13 $ 4,295,000
New Peoples Bank, Inc
PO BOX 1810
HONAKER, VA 24260
* $ n/a 13 $ 6,975,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 12 $ 3,250,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ n/a 12 $ 8,840,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 12 $ 4,990,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 12 $ 5,020,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 12 $ 6,130,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ n/a 12 $ 5,580,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ n/a 11 $ 4,925,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 11 $ 4,375,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 11 $ 3,995,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 11 $ 3,155,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 11 $ 635,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 10 $ 4,850,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 10 $ 3,780,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ n/a 10 $ 3,330,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 9 $ 1,445,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ n/a 9 $ 3,795,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 9 $ 4,275,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 9 $ 2,595,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 8 $ 3,320,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 8 $ 1,100,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 8 $ 3,620,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ n/a 8 $ 3,330,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 8 $ 1,890,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 8 $ 5,320,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 8 $ 3,290,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 8 $ 2,470,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ n/a 7 $ 1,945,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 7 $ 925,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 7 $ 2,925,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 7 $ 5,155,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 7 $ 1,385,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ n/a 6 $ 530,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 6 $ 3,530,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 6 $ 2,270,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 6 $ 1,750,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 6 $ 2,170,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ n/a 6 $ 5,540,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 6 $ 2,400,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 5 $ 2,175,000
Piedmont Federal Savings Bank
201 SOUTH STRATFORD ROAD
WINSTON SALEM, NC 27103
* $ n/a 5 $ 5,155,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 5 $ 3,255,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 5 $ 1,635,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 5 $ 1,965,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 5 $ 1,765,000
Uwharrie Bank
P.O. BOX 338
ALBEMARLE, NC 28002
* $ n/a 4 $ 3,060,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 4 $ 1,430,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ n/a 4 $ 4,050,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 4 $ 1,920,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ n/a 4 $ 1,980,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 3 $ 2,075,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 3 $ 1,095,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ n/a 3 $ 885,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 3 $ 1,665,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 3 $ 1,325,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ n/a 3 $ 1,205,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 3 $ 1,135,000
First Bank
PO BOX 508
SOUTHERN PINES, NC 28387
* $ n/a 3 $ 1,315,000
Skyla Federal Credit Union
718 CENTRAL AVENUE
CHARLOTTE, NC 28209
* $ n/a 3 $ 1,565,000
The Fidelity Bank
100 S. MAIN STREET
FUQUAY-VARINA, NC 27526
* $ n/a 3 $ 845,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 3 $ 555,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ n/a 3 $ 1,155,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 3 $ 945,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 3 $ 1,405,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 3 $ 1,205,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 3 $ 965,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 3 $ 6,015,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ n/a 3 $ 2,555,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 3 $ 965,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 3 $ 275,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 3 $ 1,825,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ n/a 3 $ 475,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 3 $ 1,175,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 3 $ 1,585,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 3 $ 2,295,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 3 $ 895,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 3 $ 1,345,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 2 $ 1,460,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 980,000
Carter Bank and Trust
PO BOX 3748
MARTINSVILLE, VA 24112
* $ n/a 2 $ 1,480,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ n/a 2 $ 1,020,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 2 $ 1,230,000
Southern First Bank
100 VERDAE BLVD
GREENVILLE, SC 29607
* $ n/a 2 $ 910,000
Loansteady LLC
8401 GREENSBORO DRIVE SUITE 950
MCCLEAN, VA 22102
* $ n/a 2 $ 550,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 2 $ 800,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 470,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 2 $ 640,000
Flexpoint, Inc.
27433 TOURNEY ROAD, SUITE 150
COSTA MESA, CA 92626
* $ n/a 2 $ 1,150,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 2 $ 260,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 2 $ 1,960,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ n/a 2 $ 1,060,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ n/a 2 $ 840,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 2 $ 460,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 2 $ 940,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 870,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 2 $ 390,000
Vista Point Mortgage, LLC
1920 MAIN ST SUITE 200
IRVINE, CA 92614
* $ n/a 2 $ 1,730,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 2 $ 890,000
Southern Bank and Trust Company
PO BOX 729
MOUNT OLIVE, NC 28365
* $ n/a 2 $ 1,660,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 780,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 900,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 2 $ 690,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 2 $ 640,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 2 $ 1,030,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 2 $ 460,000
North State Bank
6200 FALLS OF THE NEUSE ROAD
RALEIGH, NC 27609
* $ n/a 2 $ 570,000
The Bank of Tampa
601 BAYSHORE BLVD #100
TAMPA, FL 33603
* $ n/a 2 $ 1,650,000
Pike Creek Mortgage Services, Inc.
2100 DRUMMOND PLAZA
NEWARK, DE 19711
* $ n/a 2 $ 790,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 2 $ 1,090,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ n/a 2 $ 750,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 2 $ 480,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 2 $ 1,280,000
Suncoast Credit Union
6801 E HILLSBOROUGH AVE
TAMPA, FL 33610
* $ n/a 2 $ 580,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 2 $ 410,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ n/a 2 $ 900,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 2 $ 640,000
Resource Financial Services, Inc.
2717 DEVINE STREET
COLUMBIA, SC 29201
* $ n/a 2 $ 650,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 2 $ 430,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 2 $ 460,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 2 $ 1,280,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 2 $ 1,480,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 2 $ 390,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 2 $ 660,000
Eclipse Bank Inc
3827 SHELBYVILLE RD
LOUISVILLE, KY 40245
* $ n/a 2 $ 390,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 2 $ 820,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ n/a 1 $ 1,965,000
Franklin Loan Corporation
44800 VILLAGE COURT
PALM DESERT, CA 92260
* $ n/a 1 $ 345,000
Corporate Investors Mortgage G
1414 RALEIGH RD STE 400
CHAPEL HILL, NC 27517
* $ n/a 1 $ 895,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 395,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ n/a 1 $ 415,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 1 $ 805,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ n/a 1 $ 445,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 235,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 455,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ n/a 1 $ 115,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 165,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 1 $ 155,000
First Carolina Bank
171 N WINSTEAD AVE
ROCKY MOUNT, NC 27804
* $ n/a 1 $ 2,115,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 1 $ 345,000
Cpm Federal Credit Union
1066 EAST MONTAGUE AVENUE
NORTH CHARLESTON, SC 29405
* $ n/a 1 $ 125,000
Radius Financial Group Inc
600 LONGWATER DRIVE SUITE 107
NORWELL, MA 02061
* $ n/a 1 $ 245,000
Foundation Mortgage Corporation
1680 MICHIGAN AVE SUITE 700
MIAMI BEACH, FL 33139
* $ n/a 1 $ 1,005,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 535,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 1 $ 1,215,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 1 $ 445,000
Coastal Carolina National Bank
1012 38TH AVE NORTH
MYRTLE BEACH, SC 29577
* $ n/a 1 $ 415,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ n/a 1 $ 305,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 385,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ n/a 1 $ 375,000
Stg Mortgage Inc
18401 VON KARMAN AVENUE SUITE 440
IRVINE, CA 92612
* $ n/a 1 $ 455,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ n/a 1 $ 235,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ n/a 1 $ 505,000
Telco Community Credit Union
712 NEW LEICESTER HWY.
CANDLER, NC 28715
* $ n/a 1 $ 55,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ n/a 1 $ 905,000
Mortgage Lenders Investment Tr
1400 INTERNATIONAL PARKWAY SOUTH SUITE 1000 LAKE MARY
LAKE MARY, FL 32746
* $ n/a 1 $ 515,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 1 $ 625,000
Loanpeople, LLC
3420 EXECUTIVE CENTER DR #G100
AUSTIN, TX 78731
* $ n/a 1 $ 105,000
Southern Trust Mortgage, LLC
295 BENDIX ROAD SUITE 400
VIRGINIA BEACH, VA 23452
* $ n/a 1 $ 215,000
Peoples Bank
518 WEST C STREET
NEWTON, NC 28658
* $ n/a 1 $ 385,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ n/a 1 $ 195,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ n/a 1 $ 395,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 1 $ 485,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 535,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 195,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ n/a 1 $ 475,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ n/a 1 $ 535,000
Bankplus
1068 HIGHLAND COLONY PARKWAY
RIDGELAND, MS 39157
* $ n/a 1 $ 405,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ n/a 1 $ 205,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ n/a 1 $ 805,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 1 $ 42,005,000
Trustco Bank
6 METRO PARK ROAD
ALBANY, NY 12205
* $ n/a 1 $ 655,000
Anderson Brothers Bank
101 N MAIN STREET
MULLINS, SC 29574
* $ n/a 1 $ 335,000
Originpoint, LLC
1800 W LARCHMONT AVE SUITE 305
CHICAGO, IL 60613
* $ n/a 1 $ 605,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 1 $ 675,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 635,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 385,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 1 $ 155,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 1 $ 325,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 645,000
All Credit Considered Mortgage, Inc.
1801 RESEARCH BLVD #410
ROCKVILLE, MD 20850
* $ n/a 1 $ 475,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 1 $ 3,705,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 1 $ 245,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ n/a 1 $ 485,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 265,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ n/a 1 $ 405,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ n/a 1 $ 905,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 105,000
Baycoast Mortgage Company, LLC
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ n/a 1 $ 295,000
Select Bank
P.O. BOX 4620
FOREST, VA 24551
* $ n/a 1 $ 1,605,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 275,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ n/a 1 $ 295,000
Baycoast Bank
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ n/a 1 $ 295,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 495,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 35,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 1 $ 505,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ n/a 1 $ 505,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 155,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 775,000
Blueharbor Bank
106 CORPORATE PARK DRIVE, PO BOX 3546
MOORESVILLE, NC 28117
* $ n/a 1 $ 715,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 105,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 1 $ 185,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ n/a 1 $ 305,000
Builders Choice Mortgage LLC
40 SE 5TH ST SUITE 401
BOCA RATON, FL 33431
* $ n/a 1 $ 365,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ n/a 1 $ 805,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ n/a 1 $ 505,000
Kwik Mortgage Corporation
959 ROUTE 46 EAST, #401
PARSIPPANY, NJ 07054
* $ n/a 1 $ 165,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ n/a 1 $ 35,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 1 $ 465,000
East Coast Capital Corp.
25 MELVILLE PARK ROAD SUITE 200
MELVILLE, NY 11743
* $ n/a 1 $ 295,000
Bank Fund Staff Federal Credit
1725 I STREET NW SUITE 150
WASHINGTON, DC 20006
* $ n/a 1 $ 1,215,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ n/a 1 $ 435,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ n/a 1 $ 505,000
Aml Funding LLC dba Absolute Mortgage & Lending
4230 LYNDON B JOHNSON FWY #626
DALLAS, TX 75244
* $ n/a 1 $ 555,000
Aafmaa Mortgage Services LLC
2000 REGENCY PARKWAY SUITE 140
CARY, NC 27518
* $ n/a 1 $ 2,305,000
First Federal Savings Bank of Lincolnton
320 EAST MAIN STREET
LINCOLNTON, NC 28092
* $ n/a 1 $ 665,000
First Palmetto Bank
407 E DEKALB STREET
CAMDEN, SC 29020
* $ n/a 1 $ 415,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ n/a 1 $ 55,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 1 $ 65,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ n/a 1 $ 305,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 305,000
Bank of Hope
3200 WILSHIRE BLVD
LOS ANGELES, CA 90010
* $ n/a 1 $ 335,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ n/a 1 $ 305,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ n/a 1 $ 205,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 575,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 1 $ 195,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 1 $ 405,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 105,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 1 $ 505,000
Commercial Bank
6710 CUMBERLAND GAP PARKWAY, PO BOX 400
HARROGATE, TN 37752
* $ n/a 1 $ 565,000

The tables below break down 2025 mortgage applications in Watauga 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 Watauga County, NC in 2025

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 1,039 $530,525,000 $510,000 $42,005,000 $279,000 $6,503,000
Refinancing 330 $122,910,000 $372,000 $2,905,000 $214,000 $1,641,000
Cash-out Refinancing 294 $99,710,000 $339,000 $2,005,000 $174,000 $1,859,000
Home Improvement 232 $42,660,000 $183,000 $1,505,000 $174,000 $5,183,000
Other Purpose 197 $44,395,000 $225,000 $1,065,000 $214,000 $4,000,000
Not Applicable 2 $90,000 $45,000 $75,000 $34,000 $34,000

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 1,532 $564,500,000 $368,000 $3,685,000 $236,000 $6,503,000
Not applicable 215 $139,935,000 $650,000 $42,005,000 $279,000 $2,360,000
Not Provided 211 $84,725,000 $401,000 $3,705,000 $234,000 $2,177,000
Hispanic 73 $27,645,000 $378,000 $1,705,000 $194,000 $1,136,000
Asian 43 $16,685,000 $388,000 $1,215,000 $225,000 $719,000
Black or African American 12 $2,670,000 $222,000 $565,000 $107,000 $173,000
American Indian or Alaskan Native 8 $4,130,000 $516,000 $1,035,000 $736,000 $2,400,000
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) 1,917 $773,965,000 $403,000 $42,005,000 $245,000 $6,503,000
FHA-insured (Federal Housing Administration) 93 $28,985,000 $311,000 $765,000 $96,000 $336,000
VA-guaranteed (Veterans Administration) 83 $37,045,000 $446,000 $1,325,000 $124,000 $442,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $295,000 $295,000 $295,000 $75,000 $75,000

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 1,204 $525,410,000 $436,000 $42,005,000 $261,000 $6,503,000
Application Denied By Financial Institution 300 $76,720,000 $255,000 $1,705,000 $173,000 $6,440,000
Application Withdrawn By Applicant 274 $108,850,000 $397,000 $3,705,000 $206,000 $2,400,000
Loan Purchased By The Institution 156 $64,860,000 $415,000 $1,365,000 $260,000 $2,360,000
File Closed For Incompleteness 115 $44,135,000 $383,000 $3,755,000 $175,000 $889,000
Application Approved But Not Accepted 42 $18,680,000 $444,000 $3,685,000 $287,000 $1,677,000
Preapproval Approved but not Accepted 2 $830,000 $415,000 $465,000 $188,000 $236,000
Preapproval Denied by Financial Institution 1 $805,000 $805,000 $805,000 $102,000 $102,000

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
Not applicable 1,781 $755,455,000 $424,000 $42,005,000 $246,000 $6,503,000
Debt-To-Income Ratio 134 $42,380,000 $316,000 $2,115,000 $127,000 $1,685,000
Collateral 66 $17,560,000 $266,000 $1,495,000 $220,000 $2,000,000
Credit History 54 $9,040,000 $167,000 $725,000 $288,000 $6,440,000
Credit Application Incomplete 18 $2,410,000 $133,000 $365,000 $111,000 $600,000
Unverifiable Information 17 $3,765,000 $221,000 $695,000 $120,000 $429,000
Other 12 $4,370,000 $364,000 $735,000 $264,000 $997,000
Insufficient Cash (Downpayment, Closing Cost) 9 $3,285,000 $365,000 $795,000 $115,000 $203,000
Employment History 3 $2,025,000 $675,000 $1,705,000 $315,000 $889,000
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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