North Carolina · HMDA 2025
Mortgage lenders in Madison County, NC
148 lenders reported 895 home-loan applications in Madison County in 2025. 405 closed as loans ($119.0M), 199 were denied — a 31.8% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 24% of applications, led by STATE EMPLOYEES'. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 895
- Loans originated
- 405
- Purchase / refinance
- 199 / 119
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Madison County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 111 | 12.4% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 65 | 7.3% | — |
| 3 | Rocket Mortgage, LLC | 35 | 3.9% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 30 | 3.4% | — |
| 5 | HomeTrust Bank 68 out of 100, Moderate | 29 | 3.2% | 24.1% |
| 6 | Truist Bank 63 out of 100, Moderate | 26 | 2.9% | 40.8% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 26 | 2.9% | — |
| 8 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 26 | 2.9% | 22.5% |
| 9 | First Bank 74 out of 100, Strong | 24 | 2.7% | 18.3% |
| 10 | NEWREZ LLC | 23 | 2.6% | — |
| 11 | MOVEMENT MORTGAGE, LLC | 21 | 2.3% | — |
| 12 | UNITED FEDERAL CREDIT UNION | 20 | 2.2% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 1.6% | 14.1% |
| 14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 14 | 1.6% | — |
| 15 | 21st Mortgage Corporation | 13 | 1.5% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 13 | 1.5% | — |
| 17 | Bank of America, National Association 59 out of 100, Moderate | 12 | 1.3% | 44.7% |
| 18 | United Community Bank 67 out of 100, Moderate | 11 | 1.2% | 25.4% |
| 19 | GUARANTEED RATE, INC. | 10 | 1.1% | — |
| 20 | AmeriSave Mortgage Corporation | 10 | 1.1% | — |
| 21 | PNC Bank, National Association 62 out of 100, Moderate | 10 | 1.1% | 33.8% |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 10 | 1.1% | — |
| 23 | Telco Community Credit Union 76 out of 100, Strong | 10 | 1.1% | 2.6% |
| 24 | AMERICAN FINANCIAL RESOURCES, INC. | 10 | 1.1% | — |
| 25 | TRIAD FINANCIAL SERVICES, INC. | 9 | 1.0% | — |
| 26 | Mortgage Research Center, LLC | 8 | 0.9% | — |
| 27 | FIGURE LENDING LLC | 8 | 0.9% | — |
| 28 | HOWARD HANNA FINANCIAL SERVICES, INC. | 8 | 0.9% | — |
| 29 | AMERICAN FINANCING CORPORATION | 8 | 0.9% | — |
| 30 | UNION HOME MORTGAGE CORP. | 8 | 0.9% | — |
| 31 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.8% | 32.9% |
| 32 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 0.8% | 22.2% |
| 33 | T2 FINANCIAL LLC | 7 | 0.8% | — |
| 34 | Alcova Mortgage LLC | 7 | 0.8% | — |
| 35 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 0.7% | 32.5% |
| 36 | Fairway Independent Mortgage Corporation | 6 | 0.7% | — |
| 37 | Loandepot.Com, LLC | 6 | 0.7% | — |
| 38 | Discover Bank | 6 | 0.7% | — |
| 39 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 6 | 0.7% | 35.5% |
| 40 | LOCAL GOVERNMENT | 6 | 0.7% | — |
Top 40 of 148 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