North Carolina · HMDA 2025
Mortgage lenders in Cabarrus County, NC
423 lenders reported 13,504 home-loan applications in Cabarrus County in 2025. 7,195 closed as loans ($2.3B), 1,958 were denied — a 20.5% denial rate on decided applications, below the North Carolina rate of 22.7%. The three most active lenders handled 20% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 13,504
- Loans originated
- 7,195
- Purchase / refinance
- 3,403 / 2,525
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cabarrus County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 1,038 | 7.7% | — |
| 2 | STATE EMPLOYEES' | 941 | 7.0% | — |
| 3 | Rocket Mortgage, LLC | 752 | 5.6% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 565 | 4.2% | — |
| 5 | Bank of America, National Association 59 out of 100, Moderate | 363 | 2.7% | 44.7% |
| 6 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 358 | 2.7% | 14.1% |
| 7 | Fifth Third Bank, National Association 62 out of 100, Moderate | 331 | 2.5% | 34.0% |
| 8 | NEWREZ LLC | 311 | 2.3% | — |
| 9 | Truliant Federal Credit Union 67 out of 100, Moderate | 298 | 2.2% | 50.3% |
| 10 | MOVEMENT MORTGAGE, LLC | 296 | 2.2% | — |
| 11 | Truist Bank 63 out of 100, Moderate | 269 | 2.0% | 40.8% |
| 12 | Loandepot.Com, LLC | 255 | 1.9% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 226 | 1.7% | — |
| 14 | NVR Mortgage Finance, Inc. | 179 | 1.3% | — |
| 15 | Navy Federal Credit Union 66 out of 100, Moderate | 178 | 1.3% | 32.9% |
| 16 | SPRING EQ, LLC | 177 | 1.3% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 177 | 1.3% | — |
| 18 | M/I FINANCIAL, LLC | 171 | 1.3% | — |
| 19 | First National Bank of Pennsylvania 64 out of 100, Moderate | 151 | 1.1% | 26.6% |
| 20 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 142 | 1.1% | 22.5% |
| 21 | Broker Solutions, Inc. | 138 | 1.0% | — |
| 22 | Uwharrie Bank 74 out of 100, Strong | 138 | 1.0% | 6.2% |
| 23 | NATIONSTAR MORTGAGE LLC | 137 | 1.0% | — |
| 24 | Mortgage Research Center, LLC | 136 | 1.0% | — |
| 25 | Ixonia Bank 67 out of 100, Moderate | 132 | 1.0% | 4.7% |
| 26 | Coastal Community Bank 35 out of 100, Low | 126 | 0.9% | 3.0% |
| 27 | VANDERBILT MORTGAGE AND FINANCE, INC. | 125 | 0.9% | — |
| 28 | CROSSCOUNTRY MORTGAGE, INC. | 124 | 0.9% | — |
| 29 | Fairway Independent Mortgage Corporation | 123 | 0.9% | — |
| 30 | FIGURE LENDING LLC | 119 | 0.9% | — |
| 31 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 115 | 0.9% | — |
| 32 | American Security Mortgage Corp. | 110 | 0.8% | — |
| 33 | SKYLA FEDERAL CREDIT UNION 54 out of 100, Below average | 108 | 0.8% | 41.1% |
| 34 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 107 | 0.8% | 22.2% |
| 35 | AmeriSave Mortgage Corporation | 102 | 0.8% | — |
| 36 | Alcova Mortgage LLC | 98 | 0.7% | — |
| 37 | GUARANTEED RATE, INC. | 96 | 0.7% | — |
| 38 | Pinnacle Bank 60 out of 100, Moderate | 94 | 0.7% | 17.5% |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 92 | 0.7% | — |
| 40 | PHH Mortgage Corporation | 91 | 0.7% | — |
Top 40 of 423 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
- New Hanover County 12,317 apps