North Carolina · HMDA 2025
Mortgage lenders in Henderson County, NC
318 lenders reported 5,887 home-loan applications in Henderson County in 2025. 3,103 closed as loans ($1.0B), 921 were denied — a 21.9% denial rate on decided applications, close to the North Carolina rate of 22.7%. The three most active lenders handled 19% of applications, led by STATE EMPLOYEES'. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 5,887
- Loans originated
- 3,103
- Purchase / refinance
- 1,644 / 852
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Henderson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 533 | 9.1% | — |
| 2 | Rocket Mortgage, LLC | 321 | 5.5% | — |
| 3 | DHI MORTGAGE COMPANY, LTD. | 270 | 4.6% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 256 | 4.3% | — |
| 5 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 245 | 4.2% | 22.5% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 222 | 3.8% | — |
| 7 | UNITED FEDERAL CREDIT UNION | 221 | 3.8% | — |
| 8 | United Community Bank 67 out of 100, Moderate | 208 | 3.5% | 25.4% |
| 9 | MOVEMENT MORTGAGE, LLC | 196 | 3.3% | — |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 169 | 2.9% | — |
| 11 | HomeTrust Bank 68 out of 100, Moderate | 135 | 2.3% | 24.1% |
| 12 | Bank of America, National Association 59 out of 100, Moderate | 124 | 2.1% | 44.7% |
| 13 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 117 | 2.0% | — |
| 14 | Truist Bank 63 out of 100, Moderate | 101 | 1.7% | 40.8% |
| 15 | HOWARD HANNA FINANCIAL SERVICES, INC. | 97 | 1.6% | — |
| 16 | NEWREZ LLC | 87 | 1.5% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 85 | 1.4% | — |
| 18 | 21st Mortgage Corporation | 83 | 1.4% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 78 | 1.3% | 14.1% |
| 20 | GoPrime Mortgage, Inc. | 65 | 1.1% | — |
| 21 | Mortgage Research Center, LLC | 64 | 1.1% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 62 | 1.1% | — |
| 23 | GUARANTEED RATE, INC. | 61 | 1.0% | — |
| 24 | Navy Federal Credit Union 66 out of 100, Moderate | 60 | 1.0% | 32.9% |
| 25 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 59 | 1.0% | — |
| 26 | TD Bank, National Association 63 out of 100, Moderate | 57 | 1.0% | 35.3% |
| 27 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 51 | 0.9% | 22.2% |
| 28 | AmeriSave Mortgage Corporation | 48 | 0.8% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 48 | 0.8% | 3.0% |
| 30 | First Bank 74 out of 100, Strong | 47 | 0.8% | 18.3% |
| 31 | Citizens Bank, National Association 54 out of 100, Below average | 45 | 0.8% | 32.5% |
| 32 | TRIAD FINANCIAL SERVICES, INC. | 45 | 0.8% | — |
| 33 | PNC Bank, National Association 62 out of 100, Moderate | 43 | 0.7% | 33.8% |
| 34 | NATIONSTAR MORTGAGE LLC | 43 | 0.7% | — |
| 35 | Broker Solutions, Inc. | 42 | 0.7% | — |
| 36 | Loandepot.Com, LLC | 40 | 0.7% | — |
| 37 | CROSSCOUNTRY MORTGAGE, INC. | 37 | 0.6% | — |
| 38 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 34 | 0.6% | 35.5% |
| 39 | Fairway Independent Mortgage Corporation | 33 | 0.6% | — |
| 40 | FIGURE LENDING LLC | 31 | 0.5% | — |
Top 40 of 318 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