North Carolina · HMDA 2025
Mortgage lenders in Caldwell County, NC
236 lenders reported 3,594 home-loan applications in Caldwell County in 2025. 1,896 closed as loans ($404.7M), 631 were denied — a 24.0% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 31% of applications, led by STATE EMPLOYEES'. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,594
- Loans originated
- 1,896
- Purchase / refinance
- 893 / 619
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Caldwell County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 629 | 17.5% | — |
| 2 | CROSSCOUNTRY MORTGAGE, INC. | 260 | 7.2% | — |
| 3 | Rocket Mortgage, LLC | 231 | 6.4% | — |
| 4 | Truist Bank 63 out of 100, Moderate | 144 | 4.0% | 40.8% |
| 5 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 123 | 3.4% | 22.5% |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 106 | 2.9% | — |
| 7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 93 | 2.6% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 87 | 2.4% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 76 | 2.1% | — |
| 10 | FREEDOM MORTGAGE CORPORATION | 69 | 1.9% | — |
| 11 | NEWREZ LLC | 63 | 1.8% | — |
| 12 | First Horizon Bank 64 out of 100, Moderate | 61 | 1.7% | 25.4% |
| 13 | Mortgage Research Center, LLC | 59 | 1.6% | — |
| 14 | Loandepot.Com, LLC | 50 | 1.4% | — |
| 15 | AmeriSave Mortgage Corporation | 50 | 1.4% | — |
| 16 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 48 | 1.3% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 47 | 1.3% | 14.1% |
| 18 | GUILD MORTGAGE COMPANY | 47 | 1.3% | — |
| 19 | Bank of America, National Association 59 out of 100, Moderate | 47 | 1.3% | 44.7% |
| 20 | SKYLINE NATIONAL BANK 66 out of 100, Moderate | 46 | 1.3% | 5.7% |
| 21 | MOVEMENT MORTGAGE, LLC | 45 | 1.3% | — |
| 22 | 21st Mortgage Corporation | 41 | 1.1% | — |
| 23 | Broker Solutions, Inc. | 41 | 1.1% | — |
| 24 | Fairway Independent Mortgage Corporation | 39 | 1.1% | — |
| 25 | Coastal Community Bank 35 out of 100, Low | 37 | 1.0% | 3.0% |
| 26 | NATIONSTAR MORTGAGE LLC | 36 | 1.0% | — |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 33 | 0.9% | 32.9% |
| 28 | PNC Bank, National Association 62 out of 100, Moderate | 31 | 0.9% | 33.8% |
| 29 | PLANET HOME LENDING, LLC | 31 | 0.9% | — |
| 30 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 30 | 0.8% | 22.2% |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 27 | 0.8% | — |
| 32 | FIGURE LENDING LLC | 27 | 0.8% | — |
| 33 | Taylorsville Savings Bank, SSB | 25 | 0.7% | — |
| 34 | Peoples Bank 75 out of 100, Strong | 25 | 0.7% | 30.4% |
| 35 | Discover Bank | 24 | 0.7% | — |
| 36 | VILLAGE CAPITAL & INVESTMENT LLC | 21 | 0.6% | — |
| 37 | LOCAL GOVERNMENT | 20 | 0.6% | — |
| 38 | Truliant Federal Credit Union 67 out of 100, Moderate | 19 | 0.5% | 50.3% |
| 39 | SPRING EQ, LLC | 18 | 0.5% | — |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 0.5% | — |
Top 40 of 236 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