HMDA 2025
Mortgage lenders in North Carolina
Lenders reported 545,174 home-loan applications for properties in North Carolina in 2025; 279,764 became loans and the denial rate on decided applications was 22.7%. The busiest county was Wake County with 59,673 applications.
Most active lenders across North Carolina's counties
- STATE EMPLOYEES' 48,312 applications
- Rocket Mortgage, LLC 25,681 applications
- PENNYMAC LOAN SERVICES, LLC 22,468 applications
- UNITED SHORE FINANCIAL SERVICES, LLC 18,947 applications
- Truist Bank 16,613 applications
- VANDERBILT MORTGAGE AND FINANCE, INC. 14,837 applications
- NEWREZ LLC 12,638 applications
- FREEDOM MORTGAGE CORPORATION 11,863 applications
- Bank of America, National Association 11,092 applications
- MOVEMENT MORTGAGE, LLC 11,072 applications
- Navy Federal Credit Union 10,597 applications
- First-Citizens Bank & Trust Company 10,557 applications
- JPMorgan Chase Bank, National Association 10,108 applications
- Mortgage Research Center, LLC 10,030 applications
- Truliant Federal Credit Union 7,627 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Alamance County | 9,137 | 345 | 24.3% | 2,698 / 1,266 |
| Alexander County | 1,356 | 168 | 23.9% | 347 / 186 |
| Alleghany County | 497 | 103 | 25.0% | 141 / 80 |
| Anson County | 730 | 124 | 33.7% | 173 / 99 |
| Ashe County | 1,160 | 156 | 25.5% | 307 / 168 |
| Avery County | 997 | 192 | 21.5% | 331 / 104 |
| Beaufort County | 1,816 | 179 | 25.9% | 442 / 263 |
| Bertie County | 438 | 80 | 40.7% | 84 / 48 |
| Bladen County | 1,063 | 135 | 39.1% | 221 / 114 |
| Brunswick County | 15,666 | 517 | 19.3% | 5,153 / 1,793 |
| Buncombe County | 10,794 | 416 | 22.8% | 2,834 / 1,649 |
| Burke County | 3,669 | 255 | 26.0% | 912 / 588 |
| Cabarrus County | 13,504 | 423 | 20.5% | 3,403 / 2,525 |
| Caldwell County | 3,594 | 236 | 24.0% | 893 / 619 |
| Camden County | 839 | 122 | 21.9% | 209 / 128 |
| Carteret County | 4,520 | 313 | 20.9% | 1,284 / 690 |
| Caswell County | 830 | 141 | 32.8% | 157 / 138 |
| Catawba County | 9,037 | 368 | 20.6% | 2,736 / 1,356 |
| Chatham County | 3,970 | 292 | 18.2% | 1,033 / 680 |
| Cherokee County | 1,663 | 214 | 26.8% | 423 / 248 |
| Chowan County | 667 | 126 | 24.3% | 174 / 90 |
| Clay County | 583 | 121 | 26.5% | 140 / 80 |
| Cleveland County | 4,990 | 274 | 29.3% | 1,136 / 765 |
| Columbus County | 2,068 | 200 | 38.2% | 405 / 255 |
| Craven County | 5,906 | 286 | 21.7% | 1,667 / 895 |
| Cumberland County | 18,243 | 417 | 24.6% | 4,299 / 3,204 |
| Currituck County | 2,990 | 255 | 18.3% | 748 / 436 |
| Dare County | 3,353 | 285 | 19.0% | 989 / 450 |
| Davidson County | 9,188 | 337 | 23.6% | 2,502 / 1,436 |
| Davie County | 2,415 | 208 | 21.4% | 645 / 377 |
| Duplin County | 1,644 | 175 | 34.0% | 389 / 212 |
| Durham County | 14,512 | 437 | 19.6% | 4,409 / 1,903 |
| Edgecombe County | 1,640 | 176 | 36.5% | 358 / 224 |
| Forsyth County | 18,023 | 451 | 22.5% | 5,127 / 2,686 |
| Franklin County | 4,887 | 322 | 23.4% | 1,345 / 722 |
| Gaston County | 13,863 | 427 | 23.9% | 3,906 / 2,040 |
| Gates County | 424 | 96 | 27.2% | 86 / 71 |
| Graham County | 306 | 81 | 26.8% | 61 / 57 |
| Granville County | 2,903 | 250 | 26.3% | 691 / 492 |
| Greene County | 469 | 100 | 32.4% | 120 / 63 |
| Guilford County | 22,676 | 497 | 25.8% | 5,929 / 3,338 |
| Halifax County | 1,408 | 163 | 39.5% | 278 / 155 |
| Harnett County | 10,895 | 335 | 19.4% | 3,554 / 1,403 |
| Haywood County | 3,267 | 264 | 23.0% | 888 / 483 |
| Henderson County | 5,887 | 318 | 21.9% | 1,644 / 852 |
| Hertford County | 512 | 91 | 44.7% | 98 / 49 |
| Hoke County | 4,524 | 235 | 18.4% | 1,224 / 819 |
| Hyde County | 166 | 51 | 43.9% | 38 / 13 |
| Iredell County | 12,001 | 438 | 21.1% | 3,440 / 1,765 |
| Jackson County | 1,675 | 234 | 24.8% | 432 / 232 |
| Johnston County | 15,328 | 438 | 20.2% | 4,599 / 2,057 |
| Jones County | 440 | 85 | 32.4% | 106 / 65 |
| Lee County | 3,463 | 253 | 21.0% | 1,062 / 468 |
| Lenoir County | 2,069 | 190 | 31.7% | 532 / 266 |
| Lincoln County | 5,534 | 318 | 21.7% | 1,502 / 858 |
| Macon County | 1,868 | 238 | 23.1% | 484 / 322 |
| Madison County | 895 | 148 | 31.8% | 199 / 119 |
| Martin County | 735 | 104 | 38.3% | 169 / 74 |
| McDowell County | 1,871 | 198 | 27.9% | 472 / 249 |
| Mecklenburg County | 55,863 | 679 | 21.2% | 15,561 / 8,598 |
| Mitchell County | 581 | 118 | 33.3% | 143 / 75 |
| Montgomery County | 1,098 | 153 | 27.8% | 278 / 150 |
| Moore County | 6,739 | 345 | 17.1% | 2,017 / 1,070 |
| Nash County | 5,074 | 285 | 30.3% | 1,303 / 638 |
| New Hanover County | 12,317 | 427 | 19.5% | 3,260 / 1,835 |
| Northampton County | 581 | 110 | 37.4% | 117 / 53 |
| Onslow County | 14,086 | 370 | 18.3% | 4,088 / 2,247 |
| Orange County | 5,118 | 338 | 18.4% | 1,362 / 816 |
| Pamlico County | 681 | 130 | 25.5% | 169 / 106 |
| Pasquotank County | 2,648 | 198 | 24.8% | 689 / 381 |
| Pender County | 5,126 | 304 | 21.7% | 1,419 / 678 |
| Perquimans County | 827 | 132 | 24.4% | 186 / 112 |
| Person County | 1,880 | 201 | 26.5% | 454 / 322 |
| Pitt County | 7,650 | 315 | 24.6% | 2,268 / 997 |
| Polk County | 1,018 | 173 | 25.0% | 214 / 155 |
| Randolph County | 6,209 | 277 | 26.5% | 1,572 / 1,020 |
| Richmond County | 1,429 | 145 | 37.8% | 290 / 214 |
| Robeson County | 3,850 | 214 | 41.6% | 751 / 439 |
| Rockingham County | 4,685 | 279 | 29.4% | 1,230 / 669 |
| Rowan County | 7,788 | 340 | 23.9% | 2,082 / 1,203 |
| Rutherford County | 2,908 | 236 | 30.5% | 678 / 426 |
| Sampson County | 2,163 | 186 | 33.7% | 523 / 268 |
| Scotland County | 1,217 | 157 | 36.8% | 264 / 157 |
| Stanly County | 3,587 | 247 | 23.0% | 976 / 542 |
| Stokes County | 2,328 | 209 | 26.5% | 593 / 354 |
| Surry County | 2,735 | 209 | 24.8% | 610 / 490 |
| Swain County | 581 | 150 | 29.8% | 155 / 82 |
| Transylvania County | 1,406 | 198 | 21.8% | 351 / 240 |
| Tyrrell County | 109 | 31 | 35.0% | 31 / 6 |
| Union County | 15,609 | 455 | 20.5% | 3,987 / 2,676 |
| Vance County | 1,381 | 182 | 34.4% | 307 / 211 |
| Wake County | 59,673 | 648 | 18.7% | 17,173 / 9,036 |
| Warren County | 878 | 153 | 34.3% | 206 / 112 |
| Washington County | 333 | 80 | 44.2% | 65 / 29 |
| Watauga County | 2,092 | 257 | 19.4% | 650 / 337 |
| Wayne County | 5,550 | 277 | 27.1% | 1,491 / 786 |
| Wilkes County | 2,291 | 199 | 28.3% | 559 / 350 |
| Wilson County | 3,354 | 255 | 26.3% | 869 / 505 |
| Yadkin County | 1,432 | 177 | 24.7% | 375 / 219 |
| Yancey County | 731 | 147 | 28.5% | 173 / 115 |