North Carolina · HMDA 2025
Mortgage lenders in Polk County, NC
173 lenders reported 1,018 home-loan applications in Polk County in 2025. 492 closed as loans ($137.3M), 175 were denied — a 25.0% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 23% of applications, led by STATE EMPLOYEES'. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,018
- Loans originated
- 492
- Purchase / refinance
- 214 / 155
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Polk County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 89 | 8.7% | — |
| 2 | HomeTrust Bank 68 out of 100, Moderate | 82 | 8.1% | 24.1% |
| 3 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 63 | 6.2% | 22.5% |
| 4 | Rocket Mortgage, LLC | 61 | 6.0% | — |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 47 | 4.6% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 37 | 3.6% | — |
| 7 | MOVEMENT MORTGAGE, LLC | 24 | 2.4% | — |
| 8 | UNITED FEDERAL CREDIT UNION | 23 | 2.3% | — |
| 9 | Truist Bank 63 out of 100, Moderate | 21 | 2.1% | 40.8% |
| 10 | Bank of America, National Association 59 out of 100, Moderate | 20 | 2.0% | 44.7% |
| 11 | NEWREZ LLC | 18 | 1.8% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 18 | 1.8% | — |
| 13 | United Community Bank 67 out of 100, Moderate | 18 | 1.8% | 25.4% |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 16 | 1.6% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 15 | 1.5% | — |
| 16 | SPRING EQ, LLC | 14 | 1.4% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 13 | 1.3% | — |
| 18 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 13 | 1.3% | — |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 12 | 1.2% | 32.9% |
| 20 | Loandepot.Com, LLC | 12 | 1.2% | — |
| 21 | Fairway Independent Mortgage Corporation | 11 | 1.1% | — |
| 22 | AmeriSave Mortgage Corporation | 11 | 1.1% | — |
| 23 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 11 | 1.1% | — |
| 24 | MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 1.1% | — |
| 25 | Mortgage Research Center, LLC | 10 | 1.0% | — |
| 26 | Broker Solutions, Inc. | 9 | 0.9% | — |
| 27 | HOWARD HANNA FINANCIAL SERVICES, INC. | 9 | 0.9% | — |
| 28 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 8 | 0.8% | 14.1% |
| 29 | SOUTHWEST STAGE FUNDING, LLC | 8 | 0.8% | — |
| 30 | BETTER MORTGAGE CORPORATION | 8 | 0.8% | — |
| 31 | 21st Mortgage Corporation | 7 | 0.7% | — |
| 32 | PNC Bank, National Association 62 out of 100, Moderate | 7 | 0.7% | 33.8% |
| 33 | TD Bank, National Association 63 out of 100, Moderate | 7 | 0.7% | 35.3% |
| 34 | PLANET HOME LENDING, LLC | 7 | 0.7% | — |
| 35 | USAA Federal Savings Bank 64 out of 100, Moderate | 7 | 0.7% | 37.2% |
| 36 | CMG MORTGAGE, INC. | 6 | 0.6% | — |
| 37 | GUARANTEED RATE, INC. | 6 | 0.6% | — |
| 38 | CROSSCOUNTRY MORTGAGE, INC. | 6 | 0.6% | — |
| 39 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 0.6% | 39.5% |
| 40 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 6 | 0.6% | 35.5% |
Top 40 of 173 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