North Carolina · HMDA 2025
Mortgage lenders in Clay County, NC
121 lenders reported 583 home-loan applications in Clay County in 2025. 284 closed as loans ($71.0M), 109 were denied — a 26.5% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 26% of applications, led by STATE EMPLOYEES'. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 583
- Loans originated
- 284
- Purchase / refinance
- 140 / 80
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 57 | 9.8% | — |
| 2 | United Community Bank 67 out of 100, Moderate | 55 | 9.4% | 25.4% |
| 3 | Rocket Mortgage, LLC | 38 | 6.5% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 26 | 4.5% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 19 | 3.3% | — |
| 6 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 18 | 3.1% | 22.5% |
| 7 | NEWREZ LLC | 17 | 2.9% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 2.7% | — |
| 9 | UNION HOME MORTGAGE CORP. | 16 | 2.7% | — |
| 10 | The Central Trust Bank 69 out of 100, Moderate | 14 | 2.4% | 10.4% |
| 11 | SouthState Bank, National Association 68 out of 100, Moderate | 14 | 2.4% | 23.3% |
| 12 | Bank of America, National Association 59 out of 100, Moderate | 12 | 2.1% | 44.7% |
| 13 | PFN Lending Group, Inc. | 12 | 2.1% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 12 | 2.1% | — |
| 15 | 21st Mortgage Corporation | 11 | 1.9% | — |
| 16 | Mortgage Research Center, LLC | 11 | 1.9% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 10 | 1.7% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 1.5% | 14.1% |
| 19 | NATIONSTAR MORTGAGE LLC | 8 | 1.4% | — |
| 20 | Truist Bank 63 out of 100, Moderate | 7 | 1.2% | 40.8% |
| 21 | Loandepot.Com, LLC | 7 | 1.2% | — |
| 22 | AmeriSave Mortgage Corporation | 7 | 1.2% | — |
| 23 | FIRST COMMUNITY MORTGAGE, INC. | 7 | 1.2% | — |
| 24 | Regions Bank 64 out of 100, Moderate | 6 | 1.0% | 43.1% |
| 25 | TRIAD FINANCIAL SERVICES, INC. | 6 | 1.0% | — |
| 26 | SPRING EQ, LLC | 6 | 1.0% | — |
| 27 | MOVEMENT MORTGAGE, LLC | 5 | 0.9% | — |
| 28 | Broker Solutions, Inc. | 5 | 0.9% | — |
| 29 | Citadel Servicing Corporation | 5 | 0.9% | — |
| 30 | LOCAL GOVERNMENT | 5 | 0.9% | — |
| 31 | MUTUAL OF OMAHA MORTGAGE, INC. | 5 | 0.9% | — |
| 32 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 0.7% | 32.5% |
| 33 | PNC Bank, National Association 62 out of 100, Moderate | 4 | 0.7% | 33.8% |
| 34 | TOWNE MORTGAGE COMPANY | 4 | 0.7% | — |
| 35 | FIGURE LENDING LLC | 3 | 0.5% | — |
| 36 | ISERVE RESIDENTIAL LENDING, LLC | 3 | 0.5% | — |
| 37 | SOUTHWEST STAGE FUNDING, LLC | 3 | 0.5% | — |
| 38 | AMERICAN FINANCIAL RESOURCES, INC. | 3 | 0.5% | — |
| 39 | SWBC MORTGAGE CORPORATION | 3 | 0.5% | — |
| 40 | SOFI BANK, NATIONAL ASSOCIATION | 3 | 0.5% | — |
Top 40 of 121 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