North Carolina · HMDA 2025
Mortgage lenders in Cumberland County, NC
417 lenders reported 18,243 home-loan applications in Cumberland County in 2025. 8,371 closed as loans ($2.2B), 2,977 were denied — a 24.6% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 19% of applications, led by Mortgage Research Center, LLC. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 18,243
- Loans originated
- 8,371
- Purchase / refinance
- 4,299 / 3,204
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cumberland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Mortgage Research Center, LLC | 1,425 | 7.8% | — |
| 2 | FREEDOM MORTGAGE CORPORATION | 1,087 | 6.0% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 1,042 | 5.7% | — |
| 4 | Navy Federal Credit Union 66 out of 100, Moderate | 876 | 4.8% | 32.9% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 825 | 4.5% | — |
| 6 | Rocket Mortgage, LLC | 759 | 4.2% | — |
| 7 | STATE EMPLOYEES' | 600 | 3.3% | — |
| 8 | NEWREZ LLC | 540 | 3.0% | — |
| 9 | Truist Bank 63 out of 100, Moderate | 393 | 2.2% | 40.8% |
| 10 | VILLAGE CAPITAL & INVESTMENT LLC | 371 | 2.0% | — |
| 11 | MOVEMENT MORTGAGE, LLC | 343 | 1.9% | — |
| 12 | VANDERBILT MORTGAGE AND FINANCE, INC. | 334 | 1.8% | — |
| 13 | PLANET HOME LENDING, LLC | 322 | 1.8% | — |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 304 | 1.7% | — |
| 15 | GUARANTEED RATE, INC. | 289 | 1.6% | — |
| 16 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 281 | 1.5% | 22.5% |
| 17 | NEW DAY FINANCIAL, LLC | 279 | 1.5% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 274 | 1.5% | — |
| 19 | Kiavi Funding, Inc. | 272 | 1.5% | — |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 242 | 1.3% | 14.1% |
| 21 | UNION HOME MORTGAGE CORP. | 237 | 1.3% | — |
| 22 | AmeriSave Mortgage Corporation | 230 | 1.3% | — |
| 23 | Loandepot.Com, LLC | 215 | 1.2% | — |
| 24 | Broker Solutions, Inc. | 215 | 1.2% | — |
| 25 | NATIONSTAR MORTGAGE LLC | 206 | 1.1% | — |
| 26 | Bank of America, National Association 59 out of 100, Moderate | 201 | 1.1% | 44.7% |
| 27 | USAA Federal Savings Bank 64 out of 100, Moderate | 170 | 0.9% | 37.2% |
| 28 | CARRINGTON MORTGAGE SERVICES, LLC | 169 | 0.9% | — |
| 29 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 165 | 0.9% | 2.2% |
| 30 | GUILD MORTGAGE COMPANY | 156 | 0.9% | — |
| 31 | American Security Mortgage Corp. | 155 | 0.8% | — |
| 32 | LAKEVIEW LOAN SERVICING, LLC | 150 | 0.8% | — |
| 33 | 21st Mortgage Corporation | 138 | 0.8% | — |
| 34 | Coastal Community Bank 35 out of 100, Low | 134 | 0.7% | 3.0% |
| 35 | MUTUAL OF OMAHA MORTGAGE, INC. | 131 | 0.7% | — |
| 36 | PNC Bank, National Association 62 out of 100, Moderate | 120 | 0.7% | 33.8% |
| 37 | SOUTHERN TRUST MORTGAGE, LLC | 119 | 0.7% | — |
| 38 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 114 | 0.6% | — |
| 39 | Equity Prime Mortgage LLC | 110 | 0.6% | — |
| 40 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 105 | 0.6% | 45.9% |
Top 40 of 417 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
- 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
- New Hanover County 12,317 apps