North Carolina · HMDA 2025
Mortgage lenders in Gates County, NC
96 lenders reported 424 home-loan applications in Gates County in 2025. 196 closed as loans ($40.9M), 77 were denied — a 27.2% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 21% of applications, led by Navy Federal Credit Union. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 424
- Loans originated
- 196
- Purchase / refinance
- 86 / 71
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Gates County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Navy Federal Credit Union 66 out of 100, Moderate | 34 | 8.0% | 32.9% |
| 2 | STATE EMPLOYEES' | 31 | 7.3% | — |
| 3 | NEWREZ LLC | 22 | 5.2% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 20 | 4.7% | — |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 17 | 4.0% | — |
| 6 | Rocket Mortgage, LLC | 15 | 3.5% | — |
| 7 | Southern Bank and Trust Company 70 out of 100, Strong | 13 | 3.1% | 12.5% |
| 8 | Truist Bank 63 out of 100, Moderate | 12 | 2.8% | 40.8% |
| 9 | Mortgage Research Center, LLC | 12 | 2.8% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 9 | 2.1% | — |
| 11 | MOVEMENT MORTGAGE, LLC | 8 | 1.9% | — |
| 12 | Broker Solutions, Inc. | 8 | 1.9% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 8 | 1.9% | — |
| 14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 8 | 1.9% | — |
| 15 | Loandepot.Com, LLC | 7 | 1.7% | — |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 1.7% | — |
| 17 | PNC Bank, National Association 62 out of 100, Moderate | 7 | 1.7% | 33.8% |
| 18 | TIDEWATER MORTGAGE SERVICES, INC. | 7 | 1.7% | — |
| 19 | SOUTHERN TRUST MORTGAGE, LLC | 7 | 1.7% | — |
| 20 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | 1.7% | — |
| 21 | 21st Mortgage Corporation | 6 | 1.4% | — |
| 22 | AmeriSave Mortgage Corporation | 6 | 1.4% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 1.4% | — |
| 24 | CHARTWAY FEDERAL CREDIT UNION 50 out of 100, Below average | 6 | 1.4% | 31.3% |
| 25 | NEW DAY FINANCIAL, LLC | 5 | 1.2% | — |
| 26 | Towne Mortgage, LLC | 5 | 1.2% | — |
| 27 | CARRINGTON MORTGAGE SERVICES, LLC | 5 | 1.2% | — |
| 28 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 1.2% | — |
| 29 | Atlantic Union Bank 73 out of 100, Strong | 5 | 1.2% | 23.3% |
| 30 | NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 4 | 0.9% | — |
| 31 | AMERICAN FINANCIAL RESOURCES, INC. | 4 | 0.9% | — |
| 32 | ABNB Federal Credit Union 53 out of 100, Below average | 4 | 0.9% | 34.4% |
| 33 | Tidewater Home Funding, LLC | 4 | 0.9% | — |
| 34 | AgCarolina Farm Credit, FLCA | 4 | 0.9% | — |
| 35 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.7% | 14.1% |
| 36 | SPRING EQ, LLC | 3 | 0.7% | — |
| 37 | The Federal Savings Bank 51 out of 100, Below average | 3 | 0.7% | 19.1% |
| 38 | Towne Bank 74 out of 100, Strong | 3 | 0.7% | 6.6% |
| 39 | LANGLEY Federal Credit Union 54 out of 100, Below average | 3 | 0.7% | 21.7% |
| 40 | NATIONSTAR MORTGAGE LLC | 3 | 0.7% | — |
Top 40 of 96 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