North Carolina · HMDA 2025
Mortgage lenders in Macon County, NC
238 lenders reported 1,868 home-loan applications in Macon County in 2025. 998 closed as loans ($312.6M), 315 were denied — a 23.1% denial rate on decided applications, close to the North Carolina rate of 22.7%. The three most active lenders handled 27% of applications, led by STATE EMPLOYEES'. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,868
- Loans originated
- 998
- Purchase / refinance
- 484 / 322
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Macon County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 203 | 10.9% | — |
| 2 | Rocket Mortgage, LLC | 157 | 8.4% | — |
| 3 | UNION HOME MORTGAGE CORP. | 153 | 8.2% | — |
| 4 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 73 | 3.9% | 22.5% |
| 5 | United Community Bank 67 out of 100, Moderate | 65 | 3.5% | 25.4% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 59 | 3.2% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 46 | 2.5% | — |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC. | 42 | 2.2% | — |
| 9 | NEWREZ LLC | 37 | 2.0% | — |
| 10 | Mortgage Research Center, LLC | 37 | 2.0% | — |
| 11 | PNC Bank, National Association 62 out of 100, Moderate | 35 | 1.9% | 33.8% |
| 12 | FREEDOM MORTGAGE CORPORATION | 29 | 1.6% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 26 | 1.4% | 14.1% |
| 14 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 25 | 1.3% | 22.2% |
| 15 | Navy Federal Credit Union 66 out of 100, Moderate | 24 | 1.3% | 32.9% |
| 16 | Bank of America, National Association 59 out of 100, Moderate | 24 | 1.3% | 44.7% |
| 17 | Regions Bank 64 out of 100, Moderate | 23 | 1.2% | 43.1% |
| 18 | PLAZA HOME MORTGAGE, INC. | 21 | 1.1% | — |
| 19 | AmeriSave Mortgage Corporation | 19 | 1.0% | — |
| 20 | FIGURE LENDING LLC | 19 | 1.0% | — |
| 21 | Truist Bank 63 out of 100, Moderate | 18 | 1.0% | 40.8% |
| 22 | Mountain Credit Union 70 out of 100, Strong | 17 | 0.9% | 19.0% |
| 23 | 21st Mortgage Corporation | 16 | 0.9% | — |
| 24 | First Reliance Bank | 16 | 0.9% | — |
| 25 | NEW DAY FINANCIAL, LLC | 16 | 0.9% | — |
| 26 | FIRST COMMUNITY MORTGAGE, INC. | 16 | 0.9% | — |
| 27 | Coastal Community Bank 35 out of 100, Low | 16 | 0.9% | 3.0% |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 14 | 0.7% | — |
| 29 | VILLAGE CAPITAL & INVESTMENT LLC | 14 | 0.7% | — |
| 30 | First Bank 74 out of 100, Strong | 14 | 0.7% | 18.3% |
| 31 | Loandepot.Com, LLC | 13 | 0.7% | — |
| 32 | Renasant Bank 64 out of 100, Moderate | 13 | 0.7% | 11.6% |
| 33 | SouthState Bank, National Association 68 out of 100, Moderate | 13 | 0.7% | 23.3% |
| 34 | Discover Bank | 12 | 0.6% | — |
| 35 | THE LOAN STORE, INC. | 11 | 0.6% | — |
| 36 | NATIONSTAR MORTGAGE LLC | 11 | 0.6% | — |
| 37 | TOWNE MORTGAGE COMPANY | 11 | 0.6% | — |
| 38 | Citizens Bank, National Association 54 out of 100, Below average | 10 | 0.5% | 32.5% |
| 39 | MOVEMENT MORTGAGE, LLC | 10 | 0.5% | — |
| 40 | SPRING EQ, LLC | 10 | 0.5% | — |
Top 40 of 238 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