North Carolina · HMDA 2025
Mortgage lenders in Mitchell County, NC
118 lenders reported 581 home-loan applications in Mitchell County in 2025. 265 closed as loans ($58.3M), 141 were denied — a 33.3% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 39% of applications, led by STATE EMPLOYEES'. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 581
- Loans originated
- 265
- Purchase / refinance
- 143 / 75
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Mitchell County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 98 | 16.9% | — |
| 2 | United Community Bank 67 out of 100, Moderate | 94 | 16.2% | 25.4% |
| 3 | Rocket Mortgage, LLC | 35 | 6.0% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 32 | 5.5% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 21 | 3.6% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 14 | 2.4% | — |
| 7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 14 | 2.4% | — |
| 8 | Broker Solutions, Inc. | 12 | 2.1% | — |
| 9 | FREEDOM MORTGAGE CORPORATION | 11 | 1.9% | — |
| 10 | Bank of America, National Association 59 out of 100, Moderate | 9 | 1.5% | 44.7% |
| 11 | Mortgage Research Center, LLC | 8 | 1.4% | — |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 1.4% | — |
| 13 | EASTMAN CREDIT UNION 91 out of 100, Very strong | 8 | 1.4% | 26.9% |
| 14 | MOVEMENT MORTGAGE, LLC | 7 | 1.2% | — |
| 15 | Baxter Credit Union 60 out of 100, Moderate | 7 | 1.2% | 20.2% |
| 16 | Loandepot.Com, LLC | 6 | 1.0% | — |
| 17 | PLANET HOME LENDING, LLC | 6 | 1.0% | — |
| 18 | 21st Mortgage Corporation | 5 | 0.9% | — |
| 19 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | 0.9% | — |
| 20 | AMERITRUST MORTGAGE CORPORATION | 5 | 0.9% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 5 | 0.9% | — |
| 22 | NEWREZ LLC | 4 | 0.7% | — |
| 23 | Truist Bank 63 out of 100, Moderate | 4 | 0.7% | 40.8% |
| 24 | Discover Bank | 4 | 0.7% | — |
| 25 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 0.7% | — |
| 26 | PNC Bank, National Association 62 out of 100, Moderate | 4 | 0.7% | 33.8% |
| 27 | SUN WEST MORTGAGE COMPANY, INC. | 4 | 0.7% | — |
| 28 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.7% | — |
| 29 | VILLAGE CAPITAL & INVESTMENT LLC | 4 | 0.7% | — |
| 30 | BETTER MORTGAGE CORPORATION | 4 | 0.7% | — |
| 31 | USAA Federal Savings Bank 64 out of 100, Moderate | 4 | 0.7% | 37.2% |
| 32 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 4 | 0.7% | 22.5% |
| 33 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 0.5% | 32.9% |
| 34 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.5% | 14.1% |
| 35 | Fairway Independent Mortgage Corporation | 3 | 0.5% | — |
| 36 | SPRING EQ, LLC | 3 | 0.5% | — |
| 37 | FIGURE LENDING LLC | 3 | 0.5% | — |
| 38 | AMERICAN FINANCIAL RESOURCES, INC. | 3 | 0.5% | — |
| 39 | FINANCE OF AMERICA REVERSE LLC | 3 | 0.5% | — |
| 40 | NEW DAY FINANCIAL, LLC | 3 | 0.5% | — |
Top 40 of 118 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