North Carolina · HMDA 2025
Mortgage lenders in Lincoln County, NC
318 lenders reported 5,534 home-loan applications in Lincoln County in 2025. 2,926 closed as loans ($879.4M), 855 were denied — a 21.7% denial rate on decided applications, below the North Carolina rate of 22.7%. The three most active lenders handled 16% of applications, led by STATE EMPLOYEES'. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 5,534
- Loans originated
- 2,926
- Purchase / refinance
- 1,502 / 858
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lincoln County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 357 | 6.5% | — |
| 2 | Rocket Mortgage, LLC | 335 | 6.1% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 215 | 3.9% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 189 | 3.4% | — |
| 5 | Bank of America, National Association 59 out of 100, Moderate | 167 | 3.0% | 44.7% |
| 6 | Truist Bank 63 out of 100, Moderate | 163 | 2.9% | 40.8% |
| 7 | Fifth Third Bank, National Association 62 out of 100, Moderate | 155 | 2.8% | 34.0% |
| 8 | Peoples Bank 75 out of 100, Strong | 147 | 2.7% | 30.4% |
| 9 | DHI MORTGAGE COMPANY, LTD. | 136 | 2.5% | — |
| 10 | VANDERBILT MORTGAGE AND FINANCE, INC. | 132 | 2.4% | — |
| 11 | MOVEMENT MORTGAGE, LLC | 119 | 2.2% | — |
| 12 | First Federal Savings Bank of Lincolnton 79 out of 100, Strong | 117 | 2.1% | 12.2% |
| 13 | NEWREZ LLC | 114 | 2.1% | — |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 102 | 1.8% | 14.1% |
| 15 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 102 | 1.8% | 22.5% |
| 16 | Truliant Federal Credit Union 67 out of 100, Moderate | 83 | 1.5% | 50.3% |
| 17 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 79 | 1.4% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 78 | 1.4% | — |
| 19 | CROSSCOUNTRY MORTGAGE, INC. | 73 | 1.3% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 73 | 1.3% | — |
| 21 | GUARANTEED RATE, INC. | 69 | 1.2% | — |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 68 | 1.2% | 32.9% |
| 23 | Mortgage Research Center, LLC | 60 | 1.1% | — |
| 24 | INSPIRE HOME LOANS INC. | 60 | 1.1% | — |
| 25 | Fairway Independent Mortgage Corporation | 57 | 1.0% | — |
| 26 | Broker Solutions, Inc. | 56 | 1.0% | — |
| 27 | AmeriSave Mortgage Corporation | 56 | 1.0% | — |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 56 | 1.0% | — |
| 29 | KBHS HOME LOANS, LLC | 53 | 1.0% | — |
| 30 | SPRING EQ, LLC | 48 | 0.9% | — |
| 31 | GUILD MORTGAGE COMPANY | 47 | 0.8% | — |
| 32 | American Security Mortgage Corp. | 47 | 0.8% | — |
| 33 | Coastal Community Bank 35 out of 100, Low | 43 | 0.8% | 3.0% |
| 34 | PLANET HOME LENDING, LLC | 42 | 0.8% | — |
| 35 | Loandepot.Com, LLC | 38 | 0.7% | — |
| 36 | NVR Mortgage Finance, Inc. | 38 | 0.7% | — |
| 37 | LAKEVIEW LOAN SERVICING, LLC | 36 | 0.7% | — |
| 38 | Shea Mortgage Inc. | 36 | 0.7% | — |
| 39 | FIGURE LENDING LLC | 35 | 0.6% | — |
| 40 | Citizens Bank, National Association 54 out of 100, Below average | 34 | 0.6% | 32.5% |
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