North Carolina · HMDA 2025
Mortgage lenders in Cleveland County, NC
274 lenders reported 4,990 home-loan applications in Cleveland County in 2025. 2,373 closed as loans ($479.6M), 1,045 were denied — a 29.3% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 25% of applications, led by STATE EMPLOYEES'. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,990
- Loans originated
- 2,373
- Purchase / refinance
- 1,136 / 765
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cleveland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 547 | 11.0% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 454 | 9.1% | — |
| 3 | Rocket Mortgage, LLC | 261 | 5.2% | — |
| 4 | Truliant Federal Credit Union 67 out of 100, Moderate | 249 | 5.0% | 50.3% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 152 | 3.0% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 150 | 3.0% | — |
| 7 | Truist Bank 63 out of 100, Moderate | 132 | 2.6% | 40.8% |
| 8 | GUARANTEED RATE, INC. | 127 | 2.5% | — |
| 9 | Bank OZK 76 out of 100, Strong | 119 | 2.4% | 37.8% |
| 10 | NEWREZ LLC | 102 | 2.0% | — |
| 11 | HomeTrust Bank 68 out of 100, Moderate | 96 | 1.9% | 24.1% |
| 12 | Loandepot.Com, LLC | 95 | 1.9% | — |
| 13 | MOVEMENT MORTGAGE, LLC | 82 | 1.6% | — |
| 14 | Mortgage Research Center, LLC | 74 | 1.5% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 72 | 1.4% | — |
| 16 | SHARONVIEW FEDERAL CREDIT UNION 44 out of 100, Below average | 67 | 1.3% | 50.3% |
| 17 | Fifth Third Bank, National Association 62 out of 100, Moderate | 67 | 1.3% | 34.0% |
| 18 | The Fidelity Bank 78 out of 100, Strong | 65 | 1.3% | 14.7% |
| 19 | DHI MORTGAGE COMPANY, LTD. | 62 | 1.2% | — |
| 20 | AmeriSave Mortgage Corporation | 60 | 1.2% | — |
| 21 | Broker Solutions, Inc. | 55 | 1.1% | — |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 54 | 1.1% | — |
| 23 | SKYLA FEDERAL CREDIT UNION 54 out of 100, Below average | 54 | 1.1% | 41.1% |
| 24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 51 | 1.0% | — |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 49 | 1.0% | 32.9% |
| 26 | Coastal Community Bank 35 out of 100, Low | 47 | 0.9% | 3.0% |
| 27 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 46 | 0.9% | 14.1% |
| 28 | GUILD MORTGAGE COMPANY | 46 | 0.9% | — |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 46 | 0.9% | — |
| 30 | VILLAGE CAPITAL & INVESTMENT LLC | 44 | 0.9% | — |
| 31 | AMERICAN PACIFIC MORTGAGE CORPORATION | 43 | 0.9% | — |
| 32 | Bank of America, National Association 59 out of 100, Moderate | 40 | 0.8% | 44.7% |
| 33 | SOUTHWEST STAGE FUNDING, LLC | 40 | 0.8% | — |
| 34 | NEW DAY FINANCIAL, LLC | 34 | 0.7% | — |
| 35 | NATIONSTAR MORTGAGE LLC | 32 | 0.6% | — |
| 36 | CARRINGTON MORTGAGE SERVICES, LLC | 31 | 0.6% | — |
| 37 | PLANET HOME LENDING, LLC | 30 | 0.6% | — |
| 38 | 21st Mortgage Corporation | 28 | 0.6% | — |
| 39 | PHH Mortgage Corporation | 28 | 0.6% | — |
| 40 | AMERICAN FINANCIAL RESOURCES, INC. | 27 | 0.5% | — |
Top 40 of 274 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