North Carolina · HMDA 2025
Mortgage lenders in Montgomery County, NC
153 lenders reported 1,098 home-loan applications in Montgomery County in 2025. 538 closed as loans ($143.2M), 221 were denied — a 27.8% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 33% of applications, led by STATE EMPLOYEES'. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,098
- Loans originated
- 538
- Purchase / refinance
- 278 / 150
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Montgomery County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 235 | 21.4% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 76 | 6.9% | — |
| 3 | Rocket Mortgage, LLC | 46 | 4.2% | — |
| 4 | Truliant Federal Credit Union 67 out of 100, Moderate | 43 | 3.9% | 50.3% |
| 5 | The Fidelity Bank 78 out of 100, Strong | 42 | 3.8% | 14.7% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 41 | 3.7% | — |
| 7 | MOVEMENT MORTGAGE, LLC | 35 | 3.2% | — |
| 8 | Uwharrie Bank 74 out of 100, Strong | 34 | 3.1% | 6.2% |
| 9 | First Bank 74 out of 100, Strong | 30 | 2.7% | 18.3% |
| 10 | Truist Bank 63 out of 100, Moderate | 25 | 2.3% | 40.8% |
| 11 | 21st Mortgage Corporation | 22 | 2.0% | — |
| 12 | PENNYMAC LOAN SERVICES, LLC | 20 | 1.8% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 18 | 1.6% | — |
| 14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 18 | 1.6% | — |
| 15 | Pinnacle Bank 60 out of 100, Moderate | 15 | 1.4% | 17.5% |
| 16 | AmeriSave Mortgage Corporation | 13 | 1.2% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 12 | 1.1% | 14.1% |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 12 | 1.1% | — |
| 19 | Mortgage Research Center, LLC | 12 | 1.1% | — |
| 20 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 12 | 1.1% | 22.5% |
| 21 | NEWREZ LLC | 11 | 1.0% | — |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 10 | 0.9% | 32.9% |
| 23 | Bank of America, National Association 59 out of 100, Moderate | 10 | 0.9% | 44.7% |
| 24 | U.S. Bank National Association 55 out of 100, Moderate | 10 | 0.9% | 39.5% |
| 25 | VILLAGE CAPITAL & INVESTMENT LLC | 9 | 0.8% | — |
| 26 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 0.6% | 22.2% |
| 27 | Fairway Independent Mortgage Corporation | 7 | 0.6% | — |
| 28 | TRIAD FINANCIAL SERVICES, INC. | 7 | 0.6% | — |
| 29 | AMERIHOME MORTGAGE COMPANY, LLC | 7 | 0.6% | — |
| 30 | FIGURE LENDING LLC | 7 | 0.6% | — |
| 31 | Broker Solutions, Inc. | 6 | 0.5% | — |
| 32 | GUARANTEED RATE, INC. | 6 | 0.5% | — |
| 33 | NATIONSTAR MORTGAGE LLC | 6 | 0.5% | — |
| 34 | CALCON MUTUAL MORTGAGE LLC | 6 | 0.5% | — |
| 35 | Ixonia Bank 67 out of 100, Moderate | 6 | 0.5% | 4.7% |
| 36 | MILEND, INC. | 6 | 0.5% | — |
| 37 | PLANET HOME LENDING, LLC | 5 | 0.5% | — |
| 38 | PLAZA HOME MORTGAGE, INC. | 5 | 0.5% | — |
| 39 | DEEPHAVEN MORTGAGE LLC | 5 | 0.5% | — |
| 40 | USAA Federal Savings Bank 64 out of 100, Moderate | 5 | 0.5% | 37.2% |
Top 40 of 153 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