North Carolina · HMDA 2025
Mortgage lenders in Graham County, NC
81 lenders reported 306 home-loan applications in Graham County in 2025. 156 closed as loans ($35.0M), 60 were denied — a 26.8% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 36% of applications, led by STATE EMPLOYEES'. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 306
- Loans originated
- 156
- Purchase / refinance
- 61 / 57
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Graham County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 53 | 17.3% | — |
| 2 | United Community Bank 67 out of 100, Moderate | 35 | 11.4% | 25.4% |
| 3 | Rocket Mortgage, LLC | 23 | 7.5% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 21 | 6.9% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 5.2% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 9 | 2.9% | — |
| 7 | Mortgage Research Center, LLC | 9 | 2.9% | — |
| 8 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 7 | 2.3% | 22.5% |
| 9 | NEWREZ LLC | 6 | 2.0% | — |
| 10 | 21st Mortgage Corporation | 5 | 1.6% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 1.6% | 14.1% |
| 12 | SOUTHWEST STAGE FUNDING, LLC | 5 | 1.6% | — |
| 13 | UNION HOME MORTGAGE CORP. | 5 | 1.6% | — |
| 14 | Truist Bank 63 out of 100, Moderate | 4 | 1.3% | 40.8% |
| 15 | MOVEMENT MORTGAGE, LLC | 4 | 1.3% | — |
| 16 | Discover Bank | 4 | 1.3% | — |
| 17 | AmeriSave Mortgage Corporation | 4 | 1.3% | — |
| 18 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 1.0% | 32.9% |
| 19 | Loandepot.Com, LLC | 3 | 1.0% | — |
| 20 | TRIAD FINANCIAL SERVICES, INC. | 3 | 1.0% | — |
| 21 | TOWNE MORTGAGE COMPANY | 3 | 1.0% | — |
| 22 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 1.0% | — |
| 23 | USAA Federal Savings Bank 64 out of 100, Moderate | 3 | 1.0% | 37.2% |
| 24 | Regions Bank 64 out of 100, Moderate | 2 | 0.7% | 43.1% |
| 25 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.7% | — |
| 26 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.7% | 44.7% |
| 27 | Citadel Servicing Corporation | 2 | 0.7% | — |
| 28 | AMERICAN FINANCIAL RESOURCES, INC. | 2 | 0.7% | — |
| 29 | FAIRWINDS CREDIT UNION 73 out of 100, Strong | 2 | 0.7% | 38.6% |
| 30 | PLANET HOME LENDING, LLC | 2 | 0.7% | — |
| 31 | SOFI BANK, NATIONAL ASSOCIATION | 2 | 0.7% | — |
| 32 | COUNTRYPLACE MORTGAGE, LTD. | 2 | 0.7% | — |
| 33 | FREEDOM MORTGAGE CORPORATION | 2 | 0.7% | — |
| 34 | ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | 0.7% | — |
| 35 | The Central Trust Bank 69 out of 100, Moderate | 2 | 0.7% | 10.4% |
| 36 | BETTER MORTGAGE CORPORATION | 2 | 0.7% | — |
| 37 | PHH Mortgage Corporation | 2 | 0.7% | — |
| 38 | Fifth Third Bank, National Association 62 out of 100, Moderate | 2 | 0.7% | 34.0% |
| 39 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 0.3% | 22.2% |
| 40 | Broker Solutions, Inc. | 1 | 0.3% | — |
Top 40 of 81 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