Yancey County, NC Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 598 mortgage applications in Yancey County, NC totaling $84.1 million, down 31% from 2013. The average application was for $140,000, and applicants reported an average income of $86,000. 53% of applications resulted in an originated loan and 24% were denied. The most active lender was State Employees' Credit Union, with 128 applications, followed by United Community Bank 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 | 598 |
| Total Mortgage Loan Application Amount | $84,122,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $795,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $2,000,000 |
* 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 | 128 | $ 16,164,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,392,483,000 | 78 | $ 10,240,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 48 | $ 5,968,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 217,626,166,000 | 26 | $ 2,562,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 17 | $ 2,580,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 14 | $ 2,273,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 13 | $ 2,148,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 12 | $ 2,482,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,314,640,000 | 12 | $ 1,192,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 12 | $ 2,978,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 11 | $ 999,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 11 | $ 1,708,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 10 | $ 909,000 |
| Carolina Farm Credit, Aca P O BOX 1827 STATESVILLE, NC 28625 |
* | $ 10,000,000 | 10 | $ 1,137,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,861,646,000 | 9 | $ 634,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 20,857,559,000 | 9 | $ 1,056,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 1,699,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 803,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 6 | $ 857,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 6 | $ 524,000 |
| Hometrust Bank N.A. P O BOX 10 ASHEVILLE, NC 28804 |
* | $ 1,597,558,000 | 5 | $ 1,121,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 5 | $ 691,000 |
| Asheville Savings Bank, SSB PO BOX 652 ASHEVILLE, NC 28802 |
* | $ 723,684,000 | 5 | $ 767,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 4 | $ 504,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 4 | $ 341,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 550,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 4 | $ 965,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 268,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,933,259,000 | 3 | $ 488,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 3 | $ 1,755,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 533,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 3 | $ 539,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 726,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 657,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 3 | $ 754,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 3 | $ 135,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 3 | $ 540,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 263,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 474,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 2 | $ 269,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 2,841,126,000 | 2 | $ 212,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 25,878,030,000 | 2 | $ 941,000 |
| Coastal Federal Credit Union PO BOX 99167 RALEIGH, NC 27690 |
* | $ 2,232,954,000 | 2 | $ 190,000 |
| Bank of North Carolina 3980 PREMIER DR. STE 150 HIGH POINT, NC 27265 |
* | $ 3,227,841,000 | 2 | $ 233,000 |
| Cmc Funding, Inc. 814 A1A NORTH, STE. 303 PONTE VEDRA BEACH, FL 32082 |
* | $ 10,000,000 | 2 | $ 257,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 2 | $ 268,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 2 | $ 282,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 246,000 |
| Bank of Tennessee 301 E. CENTER ST. KINGSPORT, TN 37660 |
* | $ 908,779,000 | 2 | $ 117,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 364,000 |
| DHI Mortgage Company, Ltd. 10700 PECAN PARK BLVD, SUITE 450 AUSTIN, TX 78750 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 647,760,000 | 1 | $ 90,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 111,000 |
| Kleberg Bank N.A. 100 E KLEBERG AVE KINGSVILLE, TX 78363 |
* | $ 494,660,000 | 1 | $ 70,000 |
| Yadkin Bank 325 EAST FRONT STREET STATESVILLE, NC 28677 |
* | $ 1,803,074,000 | 1 | $ 150,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 178,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 156,000 |
| Silverton Mortgage Specialists, Inc. 1201 PEACHTREE STREET NE STE 2050 ATLANTA, GA 30361 |
* | $ 10,000,000 | 1 | $ 160,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 250,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 5,081,543,000 | 1 | $ 3,000 |
| First Bank PO BOX 508 TROY, NC 27371 |
* | $ 3,184,673,000 | 1 | $ 175,000 |
| First Citizens Bank & Trust Co 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 8,311,659,000 | 1 | $ 87,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 184,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 150,000 |
| First Community Bank 5455 SUNSET BLVD LEXINGTON, SC 29072 |
* | $ 632,321,000 | 1 | $ 199,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 340,728,000 | 1 | $ 295,000 |
| Carolina Alliance Bank 200 S CHURCH ST SPARTANBURG, SC 29306 |
* | $ 247,489,000 | 1 | $ 14,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 1 | $ 116,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 1 | $ 255,000 |
| Self Help Federal Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 558,432,000 | 1 | $ 135,000 |
| Skyla Federal Credit Union 718 CENTRAL AVENUE CHARLOTTE, NC 28209 |
* | $ 289,659,000 | 1 | $ 220,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,667,350,000 | 1 | $ 16,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 1 | $ 175,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 80,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 176,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 159,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 174,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 111,000 |
| Gmh Mortgage Services LLC 625 W RIDGE PIKE STE 100; BUILDING C CONSHOHOCKEN, PA 19428 |
* | $ 0 | 1 | $ 195,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 75,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 150,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 76,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 563,000 |
The tables below break down 2014 mortgage applications in Yancey 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 Yancey 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 |
|---|---|---|---|---|---|---|
| Refinancing | 303 | $50,927,000 | $168,000 | $795,000 | $105,000 | $2,000,000 |
| Home Purchase | 242 | $30,515,000 | $126,000 | $427,000 | $69,000 | $572,000 |
| Home Improvement | 53 | $2,680,000 | $50,000 | $176,000 | $52,000 | $389,000 |
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 | 504 | $70,297,000 | $139,000 | $795,000 | $87,000 | $2,000,000 |
| Not Provided | 46 | $6,659,000 | $144,000 | $555,000 | $117,000 | $1,469,000 |
| Not applicable | 34 | $5,430,000 | $159,000 | $566,000 | $46,000 | $720,000 |
| Black or African American | 5 | $715,000 | $143,000 | $236,000 | $46,000 | $119,000 |
| Hispanic | 5 | $622,000 | $124,000 | $229,000 | $53,000 | $80,000 |
| Asian | 3 | $218,000 | $72,000 | $152,000 | $99,000 | $171,000 |
| American Indian or Alaskan Native | 1 | $181,000 | $181,000 | $181,000 | $0 | $0 |
| 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) | 509 | $69,144,000 | $135,000 | $795,000 | $94,000 | $2,000,000 |
| FHA-insured (Federal Housing Administration) | 38 | $4,597,000 | $120,000 | $267,000 | $47,000 | $301,000 |
| VA-guaranteed (Veterans Administration) | 38 | $8,726,000 | $229,000 | $794,000 | $38,000 | $121,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,655,000 | $127,000 | $199,000 | $38,000 | $96,000 |
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 | 316 | $44,250,000 | $140,000 | $794,000 | $85,000 | $1,001,000 |
| Application Denied By Financial Institution | 143 | $19,336,000 | $135,000 | $555,000 | $100,000 | $2,000,000 |
| Application Withdrawn By Applicant | 59 | $8,456,000 | $143,000 | $427,000 | $88,000 | $561,000 |
| Loan Purchased By The Institution | 44 | $7,086,000 | $161,000 | $791,000 | $54,000 | $720,000 |
| Application Approved But Not Accepted | 23 | $3,126,000 | $135,000 | $795,000 | $92,000 | $389,000 |
| File Closed For Incompleteness | 13 | $1,868,000 | $143,000 | $338,000 | $48,000 | $156,000 |
| 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 | 31 | $4,932,000 | $159,000 | $555,000 | $175,000 | $2,000,000 |
| Credit History | 27 | $1,857,000 | $68,000 | $300,000 | $50,000 | $153,000 |
| Debt-To-Income Ratio | 19 | $2,432,000 | $128,000 | $296,000 | $44,000 | $145,000 |
| Credit Application Incomplete | 9 | $1,214,000 | $134,000 | $196,000 | $37,000 | $71,000 |
| Other | 8 | $1,204,000 | $150,000 | $378,000 | $269,000 | $1,469,000 |
| Unverifiable Information | 4 | $805,000 | $201,000 | $400,000 | $66,000 | $115,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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