North Carolina · HMDA 2025
Mortgage lenders in Richmond County, NC
145 lenders reported 1,429 home-loan applications in Richmond County in 2025. 597 closed as loans ($100.6M), 386 were denied — a 37.8% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 34% of applications, led by STATE EMPLOYEES'. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,429
- Loans originated
- 597
- Purchase / refinance
- 290 / 214
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Richmond County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 282 | 19.7% | — |
| 2 | 21st Mortgage Corporation | 106 | 7.4% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 104 | 7.3% | — |
| 4 | Rocket Mortgage, LLC | 76 | 5.3% | — |
| 5 | Truist Bank 63 out of 100, Moderate | 47 | 3.3% | 40.8% |
| 6 | MOVEMENT MORTGAGE, LLC | 42 | 2.9% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 42 | 2.9% | — |
| 8 | PNC Bank, National Association 62 out of 100, Moderate | 34 | 2.4% | 33.8% |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 33 | 2.3% | — |
| 10 | Mortgage Research Center, LLC | 33 | 2.3% | — |
| 11 | AmeriSave Mortgage Corporation | 27 | 1.9% | — |
| 12 | The Fidelity Bank 78 out of 100, Strong | 27 | 1.9% | 14.7% |
| 13 | NEWREZ LLC | 25 | 1.7% | — |
| 14 | Loandepot.Com, LLC | 24 | 1.7% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 23 | 1.6% | — |
| 16 | First Bank 74 out of 100, Strong | 23 | 1.6% | 18.3% |
| 17 | UNION HOME MORTGAGE CORP. | 21 | 1.5% | — |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 19 | 1.3% | — |
| 19 | NFM, INC. | 19 | 1.3% | — |
| 20 | Broker Solutions, Inc. | 18 | 1.3% | — |
| 21 | TRIAD FINANCIAL SERVICES, INC. | 15 | 1.0% | — |
| 22 | VILLAGE CAPITAL & INVESTMENT LLC | 15 | 1.0% | — |
| 23 | Navy Federal Credit Union 66 out of 100, Moderate | 14 | 1.0% | 32.9% |
| 24 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 13 | 0.9% | 14.1% |
| 25 | SOUTHWEST STAGE FUNDING, LLC | 13 | 0.9% | — |
| 26 | NEW DAY FINANCIAL, LLC | 13 | 0.9% | — |
| 27 | FIGURE LENDING LLC | 12 | 0.8% | — |
| 28 | NATIONSTAR MORTGAGE LLC | 11 | 0.8% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 10 | 0.7% | 3.0% |
| 30 | Bank of America, National Association 59 out of 100, Moderate | 8 | 0.6% | 44.7% |
| 31 | MILEND, INC. | 8 | 0.6% | — |
| 32 | Primis Mortgage Company | 8 | 0.6% | — |
| 33 | AMERIHOME MORTGAGE COMPANY, LLC | 7 | 0.5% | — |
| 34 | LOCAL GOVERNMENT | 7 | 0.5% | — |
| 35 | Equity Prime Mortgage LLC | 7 | 0.5% | — |
| 36 | AMERICAN FINANCIAL RESOURCES, INC. | 6 | 0.4% | — |
| 37 | PLANET HOME LENDING, LLC | 6 | 0.4% | — |
| 38 | COUNTRYPLACE MORTGAGE, LTD. | 6 | 0.4% | — |
| 39 | PLAZA HOME MORTGAGE, INC. | 6 | 0.4% | — |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 6 | 0.4% | — |
Top 40 of 145 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