North Carolina · HMDA 2025
Mortgage lenders in Dare County, NC
285 lenders reported 3,353 home-loan applications in Dare County in 2025. 1,806 closed as loans ($754.2M), 445 were denied — a 19.0% denial rate on decided applications, below the North Carolina rate of 22.7%. The three most active lenders handled 18% of applications, led by STATE EMPLOYEES'. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,353
- Loans originated
- 1,806
- Purchase / refinance
- 989 / 450
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Dare County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 270 | 8.1% | — |
| 2 | Towne Bank 74 out of 100, Strong | 200 | 6.0% | 6.6% |
| 3 | Rocket Mortgage, LLC | 130 | 3.9% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 129 | 3.8% | — |
| 5 | Southern Bank and Trust Company 70 out of 100, Strong | 123 | 3.7% | 12.5% |
| 6 | Navy Federal Credit Union 66 out of 100, Moderate | 114 | 3.4% | 32.9% |
| 7 | SOUTHERN TRUST MORTGAGE, LLC | 109 | 3.3% | — |
| 8 | Truist Bank 63 out of 100, Moderate | 93 | 2.8% | 40.8% |
| 9 | GUARANTEED RATE, INC. | 93 | 2.8% | — |
| 10 | CMG MORTGAGE, INC. | 92 | 2.7% | — |
| 11 | First National Bank of Pennsylvania 64 out of 100, Moderate | 89 | 2.7% | 26.6% |
| 12 | MOVEMENT MORTGAGE, LLC | 82 | 2.4% | — |
| 13 | NEWREZ LLC | 78 | 2.3% | — |
| 14 | Atlantic Coast Mortgage, LLC | 66 | 2.0% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 65 | 1.9% | 14.1% |
| 16 | PNC Bank, National Association 62 out of 100, Moderate | 61 | 1.8% | 33.8% |
| 17 | CHARTWAY FEDERAL CREDIT UNION 50 out of 100, Below average | 59 | 1.8% | 31.3% |
| 18 | UNITED SHORE FINANCIAL SERVICES, LLC | 58 | 1.7% | — |
| 19 | CALCON MUTUAL MORTGAGE LLC | 56 | 1.7% | — |
| 20 | Bank of America, National Association 59 out of 100, Moderate | 44 | 1.3% | 44.7% |
| 21 | Atlantic Union Bank 73 out of 100, Strong | 39 | 1.2% | 23.3% |
| 22 | FREEDOM MORTGAGE CORPORATION | 37 | 1.1% | — |
| 23 | Mortgage Research Center, LLC | 35 | 1.0% | — |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 35 | 1.0% | — |
| 25 | First Heritage Mortgage, LLC | 34 | 1.0% | — |
| 26 | Coastal Community Bank 35 out of 100, Low | 32 | 1.0% | 3.0% |
| 27 | Citizens Bank, National Association 54 out of 100, Below average | 29 | 0.9% | 32.5% |
| 28 | NATIONSTAR MORTGAGE LLC | 29 | 0.9% | — |
| 29 | AmeriSave Mortgage Corporation | 26 | 0.8% | — |
| 30 | PHH Mortgage Corporation | 26 | 0.8% | — |
| 31 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 24 | 0.7% | 22.2% |
| 32 | FIGURE LENDING LLC | 24 | 0.7% | — |
| 33 | Loandepot.Com, LLC | 23 | 0.7% | — |
| 34 | Broker Solutions, Inc. | 21 | 0.6% | — |
| 35 | SPRING EQ, LLC | 19 | 0.6% | — |
| 36 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 19 | 0.6% | — |
| 37 | SOFI BANK, NATIONAL ASSOCIATION | 18 | 0.5% | — |
| 38 | LAKEVIEW LOAN SERVICING, LLC | 18 | 0.5% | — |
| 39 | Discover Bank | 16 | 0.5% | — |
| 40 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 16 | 0.5% | 45.9% |
Top 40 of 285 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