North Carolina · HMDA 2025
Mortgage lenders in Rowan County, NC
340 lenders reported 7,788 home-loan applications in Rowan County in 2025. 3,974 closed as loans ($917.6M), 1,323 were denied — a 23.9% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 20% of applications, led by STATE EMPLOYEES'. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 7,788
- Loans originated
- 3,974
- Purchase / refinance
- 2,082 / 1,203
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Rowan County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 811 | 10.4% | — |
| 2 | Rocket Mortgage, LLC | 499 | 6.4% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 250 | 3.2% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 238 | 3.1% | — |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 226 | 2.9% | — |
| 6 | MOVEMENT MORTGAGE, LLC | 213 | 2.7% | — |
| 7 | Truist Bank 63 out of 100, Moderate | 187 | 2.4% | 40.8% |
| 8 | Loandepot.Com, LLC | 167 | 2.1% | — |
| 9 | FREEDOM MORTGAGE CORPORATION | 163 | 2.1% | — |
| 10 | Ixonia Bank 67 out of 100, Moderate | 156 | 2.0% | 4.7% |
| 11 | First National Bank of Pennsylvania 64 out of 100, Moderate | 155 | 2.0% | 26.6% |
| 12 | NEWREZ LLC | 133 | 1.7% | — |
| 13 | Bank of America, National Association 59 out of 100, Moderate | 133 | 1.7% | 44.7% |
| 14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 125 | 1.6% | — |
| 15 | Mortgage Research Center, LLC | 114 | 1.5% | — |
| 16 | Fifth Third Bank, National Association 62 out of 100, Moderate | 107 | 1.4% | 34.0% |
| 17 | Navy Federal Credit Union 66 out of 100, Moderate | 103 | 1.3% | 32.9% |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 103 | 1.3% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 98 | 1.3% | 14.1% |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 94 | 1.2% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 93 | 1.2% | — |
| 22 | SHARONVIEW FEDERAL CREDIT UNION 44 out of 100, Below average | 93 | 1.2% | 50.3% |
| 23 | AmeriSave Mortgage Corporation | 91 | 1.2% | — |
| 24 | Broker Solutions, Inc. | 82 | 1.1% | — |
| 25 | Fairway Independent Mortgage Corporation | 81 | 1.0% | — |
| 26 | VILLAGE CAPITAL & INVESTMENT LLC | 79 | 1.0% | — |
| 27 | Coastal Community Bank 35 out of 100, Low | 78 | 1.0% | 3.0% |
| 28 | PLANET HOME LENDING, LLC | 77 | 1.0% | — |
| 29 | SKYLA FEDERAL CREDIT UNION 54 out of 100, Below average | 77 | 1.0% | 41.1% |
| 30 | Truliant Federal Credit Union 67 out of 100, Moderate | 74 | 1.0% | 50.3% |
| 31 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 73 | 0.9% | 22.2% |
| 32 | Pinnacle Bank 60 out of 100, Moderate | 64 | 0.8% | 17.5% |
| 33 | SouthState Bank, National Association 68 out of 100, Moderate | 60 | 0.8% | 23.3% |
| 34 | Kiavi Funding, Inc. | 58 | 0.7% | — |
| 35 | LOCAL GOVERNMENT | 58 | 0.7% | — |
| 36 | UNION HOME MORTGAGE CORP. | 58 | 0.7% | — |
| 37 | Farmers & Merchants Bank 90 out of 100, Very strong | 52 | 0.7% | 7.8% |
| 38 | LAKEVIEW LOAN SERVICING, LLC | 52 | 0.7% | — |
| 39 | Alcova Mortgage LLC | 51 | 0.7% | — |
| 40 | U.S. Bank National Association 55 out of 100, Moderate | 50 | 0.6% | 39.5% |
Top 40 of 340 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