North Carolina · HMDA 2025
Mortgage lenders in Mecklenburg County, NC
679 lenders reported 55,863 home-loan applications in Mecklenburg County in 2025. 29,331 closed as loans ($13.0B), 8,354 were denied — a 21.2% denial rate on decided applications, below the North Carolina rate of 22.7%. The three most active lenders handled 14% of applications, led by Rocket Mortgage, LLC. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 55,863
- Loans originated
- 29,331
- Purchase / refinance
- 15,561 / 8,598
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Mecklenburg County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 2,834 | 5.1% | — |
| 2 | Bank of America, National Association 59 out of 100, Moderate | 2,758 | 4.9% | 44.7% |
| 3 | PENNYMAC LOAN SERVICES, LLC | 2,335 | 4.2% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 2,249 | 4.0% | — |
| 5 | STATE EMPLOYEES' | 2,207 | 4.0% | — |
| 6 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1,774 | 3.2% | 14.1% |
| 7 | Truist Bank 63 out of 100, Moderate | 1,736 | 3.1% | 40.8% |
| 8 | First National Bank of Pennsylvania 64 out of 100, Moderate | 1,405 | 2.5% | 26.6% |
| 9 | Truliant Federal Credit Union 67 out of 100, Moderate | 1,290 | 2.3% | 50.3% |
| 10 | MOVEMENT MORTGAGE, LLC | 1,279 | 2.3% | — |
| 11 | NEWREZ LLC | 1,171 | 2.1% | — |
| 12 | American Security Mortgage Corp. | 1,054 | 1.9% | — |
| 13 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 971 | 1.7% | 22.5% |
| 14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 968 | 1.7% | — |
| 15 | Fifth Third Bank, National Association 62 out of 100, Moderate | 952 | 1.7% | 34.0% |
| 16 | FREEDOM MORTGAGE CORPORATION | 897 | 1.6% | — |
| 17 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 832 | 1.5% | 22.2% |
| 18 | Loandepot.Com, LLC | 758 | 1.4% | — |
| 19 | SKYLA FEDERAL CREDIT UNION 54 out of 100, Below average | 751 | 1.3% | 41.1% |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 725 | 1.3% | — |
| 21 | Navy Federal Credit Union 66 out of 100, Moderate | 656 | 1.2% | 32.9% |
| 22 | NATIONSTAR MORTGAGE LLC | 653 | 1.2% | — |
| 23 | PNC Bank, National Association 62 out of 100, Moderate | 624 | 1.1% | 33.8% |
| 24 | Coastal Community Bank 35 out of 100, Low | 535 | 1.0% | 3.0% |
| 25 | CROSSCOUNTRY MORTGAGE, INC. | 528 | 0.9% | — |
| 26 | SPRING EQ, LLC | 507 | 0.9% | — |
| 27 | Broker Solutions, Inc. | 469 | 0.8% | — |
| 28 | U.S. Bank National Association 55 out of 100, Moderate | 448 | 0.8% | 39.5% |
| 29 | SOFI BANK, NATIONAL ASSOCIATION | 435 | 0.8% | — |
| 30 | NVR Mortgage Finance, Inc. | 420 | 0.8% | — |
| 31 | FIGURE LENDING LLC | 414 | 0.7% | — |
| 32 | SouthState Bank, National Association 68 out of 100, Moderate | 412 | 0.7% | 23.3% |
| 33 | BETTER MORTGAGE CORPORATION | 404 | 0.7% | — |
| 34 | AmeriSave Mortgage Corporation | 404 | 0.7% | — |
| 35 | GUARANTEED RATE, INC. | 399 | 0.7% | — |
| 36 | Regions Bank 64 out of 100, Moderate | 378 | 0.7% | 43.1% |
| 37 | FOUNDERS FEDERAL CREDIT UNION 79 out of 100, Strong | 373 | 0.7% | 26.2% |
| 38 | Mortgage Research Center, LLC | 373 | 0.7% | — |
| 39 | PULTE MORTGAGE LLC | 349 | 0.6% | — |
| 40 | Citizens Bank, National Association 54 out of 100, Below average | 342 | 0.6% | 32.5% |
Top 40 of 679 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
- 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
- New Hanover County 12,317 apps