North Carolina · HMDA 2025
Mortgage lenders in Avery County, NC
192 lenders reported 997 home-loan applications in Avery County in 2025. 534 closed as loans ($235.0M), 156 were denied — a 21.5% denial rate on decided applications, below the North Carolina rate of 22.7%. The three most active lenders handled 26% of applications, led by STATE EMPLOYEES'. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 997
- Loans originated
- 534
- Purchase / refinance
- 331 / 104
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Avery County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 111 | 11.1% | — |
| 2 | United Community Bank 67 out of 100, Moderate | 101 | 10.1% | 25.4% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 43 | 4.3% | — |
| 4 | Rocket Mortgage, LLC | 41 | 4.1% | — |
| 5 | Bank of Tennessee 67 out of 100, Moderate | 39 | 3.9% | 16.3% |
| 6 | Truist Bank 63 out of 100, Moderate | 38 | 3.8% | 40.8% |
| 7 | MOVEMENT MORTGAGE, LLC | 31 | 3.1% | — |
| 8 | Bank of America, National Association 59 out of 100, Moderate | 30 | 3.0% | 44.7% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 29 | 2.9% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 19 | 1.9% | 14.1% |
| 11 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 19 | 1.9% | 22.5% |
| 12 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 18 | 1.8% | — |
| 13 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 14 | 1.4% | 22.2% |
| 14 | Fairway Independent Mortgage Corporation | 14 | 1.4% | — |
| 15 | GUILD MORTGAGE COMPANY | 14 | 1.4% | — |
| 16 | Fifth Third Bank, National Association 62 out of 100, Moderate | 14 | 1.4% | 34.0% |
| 17 | UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 1.3% | — |
| 18 | Mortgage Research Center, LLC | 13 | 1.3% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 13 | 1.3% | — |
| 20 | NEWREZ LLC | 11 | 1.1% | — |
| 21 | GUARANTEED RATE, INC. | 11 | 1.1% | — |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 0.9% | 32.9% |
| 23 | TD Bank, National Association 63 out of 100, Moderate | 9 | 0.9% | 35.3% |
| 24 | SPRING EQ, LLC | 9 | 0.9% | — |
| 25 | Citizens Bank, National Association 54 out of 100, Below average | 8 | 0.8% | 32.5% |
| 26 | FIGURE LENDING LLC | 8 | 0.8% | — |
| 27 | First Horizon Bank 64 out of 100, Moderate | 7 | 0.7% | 25.4% |
| 28 | PHH Mortgage Corporation | 7 | 0.7% | — |
| 29 | First National Bank of Pennsylvania 64 out of 100, Moderate | 7 | 0.7% | 26.6% |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 6 | 0.6% | — |
| 31 | American Security Mortgage Corp. | 6 | 0.6% | — |
| 32 | DEEPHAVEN MORTGAGE LLC | 6 | 0.6% | — |
| 33 | Coastal Community Bank 35 out of 100, Low | 6 | 0.6% | 3.0% |
| 34 | 21st Mortgage Corporation | 5 | 0.5% | — |
| 35 | Loandepot.Com, LLC | 5 | 0.5% | — |
| 36 | First Community Bank 75 out of 100, Strong | 5 | 0.5% | 30.8% |
| 37 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 5 | 0.5% | — |
| 38 | New Peoples Bank, Inc. 76 out of 100, Strong | 5 | 0.5% | 5.9% |
| 39 | BETTER MORTGAGE CORPORATION | 5 | 0.5% | — |
| 40 | Broker Solutions, Inc. | 4 | 0.4% | — |
Top 40 of 192 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in North Carolina
- Wake County 59,673 apps
- Mecklenburg County 55,863 apps
- Guilford County 22,676 apps
- Cumberland County 18,243 apps
- Forsyth County 18,023 apps
- Brunswick County 15,666 apps
- Union County 15,609 apps
- Johnston County 15,328 apps
- Durham County 14,512 apps
- Onslow County 14,086 apps
- Gaston County 13,863 apps
- Cabarrus County 13,504 apps