North Carolina · HMDA 2025
Mortgage lenders in Guilford County, NC
497 lenders reported 22,676 home-loan applications in Guilford County in 2025. 11,526 closed as loans ($3.1B), 4,255 were denied — a 25.8% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 21% of applications, led by STATE EMPLOYEES'. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 22,676
- Loans originated
- 11,526
- Purchase / refinance
- 5,929 / 3,338
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Guilford County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 2,222 | 9.8% | — |
| 2 | Truliant Federal Credit Union 67 out of 100, Moderate | 1,374 | 6.1% | 50.3% |
| 3 | Rocket Mortgage, LLC | 1,073 | 4.7% | — |
| 4 | Truist Bank 63 out of 100, Moderate | 939 | 4.1% | 40.8% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 695 | 3.1% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 591 | 2.6% | — |
| 7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 530 | 2.3% | — |
| 8 | MOVEMENT MORTGAGE, LLC | 513 | 2.3% | — |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 491 | 2.2% | 14.1% |
| 10 | 21st Mortgage Corporation | 481 | 2.1% | — |
| 11 | Bank of America, National Association 59 out of 100, Moderate | 464 | 2.0% | 44.7% |
| 12 | NEWREZ LLC | 447 | 2.0% | — |
| 13 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 403 | 1.8% | 22.5% |
| 14 | First National Bank of Pennsylvania 64 out of 100, Moderate | 386 | 1.7% | 26.6% |
| 15 | FREEDOM MORTGAGE CORPORATION | 382 | 1.7% | — |
| 16 | DHI MORTGAGE COMPANY, LTD. | 366 | 1.6% | — |
| 17 | Pinnacle Bank 60 out of 100, Moderate | 359 | 1.6% | 17.5% |
| 18 | GUARANTEED RATE, INC. | 329 | 1.5% | — |
| 19 | VANDERBILT MORTGAGE AND FINANCE, INC. | 326 | 1.4% | — |
| 20 | Mortgage Research Center, LLC | 277 | 1.2% | — |
| 21 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 269 | 1.2% | — |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 260 | 1.1% | 32.9% |
| 23 | NATIONSTAR MORTGAGE LLC | 251 | 1.1% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 247 | 1.1% | — |
| 25 | AmeriSave Mortgage Corporation | 239 | 1.1% | — |
| 26 | Coastal Community Bank 35 out of 100, Low | 237 | 1.0% | 3.0% |
| 27 | AMERIHOME MORTGAGE COMPANY, LLC | 230 | 1.0% | — |
| 28 | Loandepot.Com, LLC | 222 | 1.0% | — |
| 29 | ALLEGACY FEDERAL CREDIT UNION | 220 | 1.0% | — |
| 30 | Broker Solutions, Inc. | 216 | 1.0% | — |
| 31 | UNION HOME MORTGAGE CORP. | 179 | 0.8% | — |
| 32 | Kiavi Funding, Inc. | 170 | 0.7% | — |
| 33 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 165 | 0.7% | 22.2% |
| 34 | FIGURE LENDING LLC | 162 | 0.7% | — |
| 35 | Prosperity Home Mortgage, LLC | 162 | 0.7% | — |
| 36 | PNC Bank, National Association 62 out of 100, Moderate | 157 | 0.7% | 33.8% |
| 37 | U.S. Bank National Association 55 out of 100, Moderate | 153 | 0.7% | 39.5% |
| 38 | Fairway Independent Mortgage Corporation | 151 | 0.7% | — |
| 39 | VILLAGE CAPITAL & INVESTMENT LLC | 139 | 0.6% | — |
| 40 | Discover Bank | 135 | 0.6% | — |
Top 40 of 497 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
- 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
- New Hanover County 12,317 apps