Applications / Mortgage Analytics / Lenders / North Carolina / Deephaven Mortgage
Charlotte, NC · Non-bank or government lender · CFPB · 8,066 loans in 2025
Deephaven Mortgage's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
8,066
loans originated, 2025
14,124
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Deephaven Mortgage makes only conventional loans, with an unusual mix in which almost three in ten are for home improvement or other purposes, and it also buys loans in large numbers.
Purchases were 42.4% of its 2025 lending and refinances 28.5%; home improvement took 18.2% and other purposes 11.0%. Every loan was conventional, none insured by the Federal Housing Administration or guaranteed by Veterans Affairs. Similar lenders here are non-bank or government lenders making between half and twice as many loans.
It bought 6,146 loans in 2025, up from 3,884 and from 713 five years earlier, more than any similar lender; the typical similar lender bought none. It made 8,066 loans of its own.
It first reported in 2019, with 2,093 loans, made 567 in 2020 and has grown every year since, to 8,066. The 29% rise in 2025 was near the middle of similar lenders, whose loans grew 31%.
31.0% of its loans were higher-priced (a rate well above the average for similar loans), against 28.4% at similar lenders, a little above the middle; its home-improvement and other-purpose loans, almost three in ten, could account for that small difference. That share was 43.6% in 2024 and 78.8% five years ago. Its typical rate, 7.50%, was lower than about four in five similar lenders. Jumbo loans (larger than the conforming limit) were 7.2%, against 4.2%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Deephaven Mortgage took 14,124 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.4% · Refinance 28.5% · Home improvement 18.2% · Other 11.0%
Conventional 100.0% · of 8,066 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 1,549 | 19.2% |
| California | 1,010 | 12.5% |
| Texas | 738 | 9.1% |
| North Carolina | 355 | 4.4% |
| Georgia | 352 | 4.4% |
| New Jersey | 274 | 3.4% |
| Ohio | 265 | 3.3% |
| Pennsylvania | 231 | 2.9% |
| Illinois | 205 | 2.5% |
| Virginia | 205 | 2.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 422 |
| Los Angeles-Long Beach-Glendale | 261 |
| Dallas-Plano-Irving | 215 |
| Atlanta-Sandy Springs-Roswell | 199 |
| Fort Lauderdale-Pompano Beach-Sunrise | 191 |
| Houston-Pasadena-The Woodlands | 177 |
| Riverside-San Bernardino-Ontario | 159 |
| Chicago-Naperville-Schaumburg | 152 |
| Orlando-Kissimmee-Sanford | 142 |
| New York-Jersey City-White Plains | 141 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Y5Y88FQLI7VE83 | 2019–2025 |
Established 19 June 2012. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Deephaven Mortgage's data.
Deephaven Mortgage's data
$215
Deephaven Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Deephaven Mortgage's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]