North Carolina · HMDA 2025
Mortgage lenders in McDowell County, NC
198 lenders reported 1,871 home-loan applications in McDowell County in 2025. 876 closed as loans ($229.2M), 362 were denied — a 27.9% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 32% of applications, led by STATE EMPLOYEES'. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,871
- Loans originated
- 876
- Purchase / refinance
- 472 / 249
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in McDowell County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 320 | 17.1% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 175 | 9.4% | — |
| 3 | Rocket Mortgage, LLC | 100 | 5.3% | — |
| 4 | MOVEMENT MORTGAGE, LLC | 79 | 4.2% | — |
| 5 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 67 | 3.6% | — |
| 6 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 48 | 2.6% | — |
| 7 | Mortgage Research Center, LLC | 47 | 2.5% | — |
| 8 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 46 | 2.5% | 22.5% |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 42 | 2.2% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 39 | 2.1% | — |
| 11 | Fifth Third Bank, National Association 62 out of 100, Moderate | 36 | 1.9% | 34.0% |
| 12 | NEWREZ LLC | 32 | 1.7% | — |
| 13 | Truist Bank 63 out of 100, Moderate | 31 | 1.7% | 40.8% |
| 14 | First Bank 74 out of 100, Strong | 30 | 1.6% | 18.3% |
| 15 | Baxter Credit Union 60 out of 100, Moderate | 26 | 1.4% | 20.2% |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 24 | 1.3% | 14.1% |
| 17 | Broker Solutions, Inc. | 23 | 1.2% | — |
| 18 | Navy Federal Credit Union 66 out of 100, Moderate | 22 | 1.2% | 32.9% |
| 19 | FREEDOM MORTGAGE CORPORATION | 21 | 1.1% | — |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 20 | 1.1% | — |
| 21 | Bank of America, National Association 59 out of 100, Moderate | 18 | 1.0% | 44.7% |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 17 | 0.9% | — |
| 23 | SPRING EQ, LLC | 16 | 0.9% | — |
| 24 | Loandepot.Com, LLC | 15 | 0.8% | — |
| 25 | AmeriSave Mortgage Corporation | 15 | 0.8% | — |
| 26 | HomeTrust Bank 68 out of 100, Moderate | 15 | 0.8% | 24.1% |
| 27 | VILLAGE CAPITAL & INVESTMENT LLC | 15 | 0.8% | — |
| 28 | FIGURE LENDING LLC | 13 | 0.7% | — |
| 29 | PLANET HOME LENDING, LLC | 13 | 0.7% | — |
| 30 | NATIONSTAR MORTGAGE LLC | 13 | 0.7% | — |
| 31 | UNITED FEDERAL CREDIT UNION | 13 | 0.7% | — |
| 32 | 21st Mortgage Corporation | 12 | 0.6% | — |
| 33 | Citizens Bank, National Association 54 out of 100, Below average | 12 | 0.6% | 32.5% |
| 34 | United Community Bank 67 out of 100, Moderate | 12 | 0.6% | 25.4% |
| 35 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 11 | 0.6% | 22.2% |
| 36 | GoPrime Mortgage, Inc. | 11 | 0.6% | — |
| 37 | Primis Mortgage Company | 11 | 0.6% | — |
| 38 | CMG MORTGAGE, INC. | 10 | 0.5% | — |
| 39 | GUARANTEED RATE, INC. | 10 | 0.5% | — |
| 40 | TRIAD FINANCIAL SERVICES, INC. | 10 | 0.5% | — |
Top 40 of 198 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