North Carolina · HMDA 2025
Mortgage lenders in Cherokee County, NC
214 lenders reported 1,663 home-loan applications in Cherokee County in 2025. 825 closed as loans ($173.8M), 319 were denied — a 26.8% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 22% of applications, led by Rocket Mortgage, LLC. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,663
- Loans originated
- 825
- Purchase / refinance
- 423 / 248
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cherokee County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 130 | 7.8% | — |
| 2 | UNION HOME MORTGAGE CORP. | 122 | 7.3% | — |
| 3 | United Community Bank 67 out of 100, Moderate | 111 | 6.7% | 25.4% |
| 4 | STATE EMPLOYEES' | 105 | 6.3% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 58 | 3.5% | — |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 54 | 3.2% | — |
| 7 | Truist Bank 63 out of 100, Moderate | 51 | 3.1% | 40.8% |
| 8 | The Central Trust Bank 69 out of 100, Moderate | 51 | 3.1% | 10.4% |
| 9 | Mortgage Research Center, LLC | 48 | 2.9% | — |
| 10 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 44 | 2.6% | 22.5% |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 43 | 2.6% | — |
| 12 | NEWREZ LLC | 40 | 2.4% | — |
| 13 | Navy Federal Credit Union 66 out of 100, Moderate | 36 | 2.2% | 32.9% |
| 14 | Loandepot.Com, LLC | 31 | 1.9% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 30 | 1.8% | 14.1% |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 24 | 1.4% | — |
| 17 | Bank of America, National Association 59 out of 100, Moderate | 23 | 1.4% | 44.7% |
| 18 | Broker Solutions, Inc. | 22 | 1.3% | — |
| 19 | FREEDOM MORTGAGE CORPORATION | 22 | 1.3% | — |
| 20 | NEW DAY FINANCIAL, LLC | 22 | 1.3% | — |
| 21 | AmeriSave Mortgage Corporation | 20 | 1.2% | — |
| 22 | FIGURE LENDING LLC | 18 | 1.1% | — |
| 23 | 21st Mortgage Corporation | 17 | 1.0% | — |
| 24 | PNC Bank, National Association 62 out of 100, Moderate | 17 | 1.0% | 33.8% |
| 25 | CROSSCOUNTRY MORTGAGE, INC. | 14 | 0.8% | — |
| 26 | Discover Bank | 13 | 0.8% | — |
| 27 | TRIAD FINANCIAL SERVICES, INC. | 12 | 0.7% | — |
| 28 | NATIONSTAR MORTGAGE LLC | 12 | 0.7% | — |
| 29 | SPRING EQ, LLC | 11 | 0.7% | — |
| 30 | LOCAL GOVERNMENT | 10 | 0.6% | — |
| 31 | MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 0.6% | — |
| 32 | VILLAGE CAPITAL & INVESTMENT LLC | 10 | 0.6% | — |
| 33 | PHH Mortgage Corporation | 9 | 0.5% | — |
| 34 | U.S. Bank National Association 55 out of 100, Moderate | 8 | 0.5% | 39.5% |
| 35 | FIRST COMMUNITY MORTGAGE, INC. | 8 | 0.5% | — |
| 36 | SouthState Bank, National Association 68 out of 100, Moderate | 8 | 0.5% | 23.3% |
| 37 | Fifth Third Bank, National Association 62 out of 100, Moderate | 8 | 0.5% | 34.0% |
| 38 | Coastal Community Bank 35 out of 100, Low | 8 | 0.5% | 3.0% |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 7 | 0.4% | 32.5% |
| 40 | Paramount Residential Mortgage Group, Inc. | 7 | 0.4% | — |
Top 40 of 214 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