North Carolina · HMDA 2025
Mortgage lenders in Jackson County, NC
234 lenders reported 1,675 home-loan applications in Jackson County in 2025. 851 closed as loans ($425.6M), 299 were denied — a 24.8% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 25% of applications, led by STATE EMPLOYEES'. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,675
- Loans originated
- 851
- Purchase / refinance
- 432 / 232
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Jackson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 219 | 13.1% | — |
| 2 | United Community Bank 67 out of 100, Moderate | 103 | 6.1% | 25.4% |
| 3 | Rocket Mortgage, LLC | 90 | 5.4% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 80 | 4.8% | — |
| 5 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 60 | 3.6% | 22.5% |
| 6 | Bank of America, National Association 59 out of 100, Moderate | 39 | 2.3% | 44.7% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 33 | 2.0% | — |
| 8 | Truist Bank 63 out of 100, Moderate | 30 | 1.8% | 40.8% |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 28 | 1.7% | 14.1% |
| 10 | Mortgage Research Center, LLC | 27 | 1.6% | — |
| 11 | NEWREZ LLC | 26 | 1.6% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 26 | 1.6% | — |
| 13 | Loandepot.Com, LLC | 22 | 1.3% | — |
| 14 | AmeriSave Mortgage Corporation | 21 | 1.3% | — |
| 15 | UNION HOME MORTGAGE CORP. | 21 | 1.3% | — |
| 16 | PLAZA HOME MORTGAGE, INC. | 20 | 1.2% | — |
| 17 | CROSSCOUNTRY MORTGAGE, INC. | 19 | 1.1% | — |
| 18 | FIRST COMMUNITY MORTGAGE, INC. | 19 | 1.1% | — |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 18 | 1.1% | 32.9% |
| 20 | 21st Mortgage Corporation | 15 | 0.9% | — |
| 21 | Broker Solutions, Inc. | 14 | 0.8% | — |
| 22 | Champion Credit Union | 14 | 0.8% | — |
| 23 | THE LOAN STORE, INC. | 14 | 0.8% | — |
| 24 | HomeTrust Bank 68 out of 100, Moderate | 14 | 0.8% | 24.1% |
| 25 | Regions Bank 64 out of 100, Moderate | 13 | 0.8% | 43.1% |
| 26 | SPRING EQ, LLC | 13 | 0.8% | — |
| 27 | FIGURE LENDING LLC | 13 | 0.8% | — |
| 28 | SOUTHWEST STAGE FUNDING, LLC | 13 | 0.8% | — |
| 29 | FREEDOM MORTGAGE CORPORATION | 13 | 0.8% | — |
| 30 | Coastal Community Bank 35 out of 100, Low | 13 | 0.8% | 3.0% |
| 31 | Fairway Independent Mortgage Corporation | 12 | 0.7% | — |
| 32 | GUARANTEED RATE, INC. | 12 | 0.7% | — |
| 33 | Morgan Stanley Private Bank, National Association 61 out of 100, Moderate | 12 | 0.7% | 4.9% |
| 34 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 11 | 0.7% | 22.2% |
| 35 | AMERIHOME MORTGAGE COMPANY, LLC | 11 | 0.7% | — |
| 36 | Ameris Bank 67 out of 100, Moderate | 11 | 0.7% | 10.5% |
| 37 | U.S. Bank National Association 55 out of 100, Moderate | 10 | 0.6% | 39.5% |
| 38 | VILLAGE CAPITAL & INVESTMENT LLC | 10 | 0.6% | — |
| 39 | Fifth Third Bank, National Association 62 out of 100, Moderate | 10 | 0.6% | 34.0% |
| 40 | Citizens Bank, National Association 54 out of 100, Below average | 9 | 0.5% | 32.5% |
Top 40 of 234 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