North Carolina · HMDA 2025
Mortgage lenders in Rutherford County, NC
236 lenders reported 2,908 home-loan applications in Rutherford County in 2025. 1,345 closed as loans ($279.1M), 622 were denied — a 30.5% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 28% of applications, led by STATE EMPLOYEES'. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,908
- Loans originated
- 1,345
- Purchase / refinance
- 678 / 426
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Rutherford County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 398 | 13.7% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 230 | 7.9% | — |
| 3 | Rocket Mortgage, LLC | 190 | 6.5% | — |
| 4 | MOVEMENT MORTGAGE, LLC | 128 | 4.4% | — |
| 5 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 102 | 3.5% | — |
| 6 | Truist Bank 63 out of 100, Moderate | 90 | 3.1% | 40.8% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 78 | 2.7% | — |
| 8 | Mortgage Research Center, LLC | 72 | 2.5% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 71 | 2.4% | — |
| 10 | NEWREZ LLC | 58 | 2.0% | — |
| 11 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 53 | 1.8% | 22.5% |
| 12 | SKYLA FEDERAL CREDIT UNION 54 out of 100, Below average | 48 | 1.7% | 41.1% |
| 13 | AmeriSave Mortgage Corporation | 44 | 1.5% | — |
| 14 | Broker Solutions, Inc. | 38 | 1.3% | — |
| 15 | Fifth Third Bank, National Association 62 out of 100, Moderate | 38 | 1.3% | 34.0% |
| 16 | PNC Bank, National Association 62 out of 100, Moderate | 37 | 1.3% | 33.8% |
| 17 | SOUTHWEST STAGE FUNDING, LLC | 36 | 1.2% | — |
| 18 | Loandepot.Com, LLC | 35 | 1.2% | — |
| 19 | HomeTrust Bank 68 out of 100, Moderate | 34 | 1.2% | 24.1% |
| 20 | FREEDOM MORTGAGE CORPORATION | 34 | 1.2% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 31 | 1.1% | — |
| 22 | SUCCESS MORTGAGE PARTNERS, INC. | 31 | 1.1% | — |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 30 | 1.0% | — |
| 24 | Bank of America, National Association 59 out of 100, Moderate | 27 | 0.9% | 44.7% |
| 25 | PLANET HOME LENDING, LLC | 27 | 0.9% | — |
| 26 | 21st Mortgage Corporation | 26 | 0.9% | — |
| 27 | TD Bank, National Association 63 out of 100, Moderate | 26 | 0.9% | 35.3% |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 24 | 0.8% | — |
| 29 | Bank OZK 76 out of 100, Strong | 24 | 0.8% | 37.8% |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 23 | 0.8% | 32.9% |
| 31 | GUARANTEED RATE, INC. | 23 | 0.8% | — |
| 32 | UNITED FEDERAL CREDIT UNION | 23 | 0.8% | — |
| 33 | VILLAGE CAPITAL & INVESTMENT LLC | 22 | 0.8% | — |
| 34 | NEW DAY FINANCIAL, LLC | 21 | 0.7% | — |
| 35 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 20 | 0.7% | 14.1% |
| 36 | United Bank 74 out of 100, Strong | 20 | 0.7% | 20.3% |
| 37 | FIGURE LENDING LLC | 19 | 0.7% | — |
| 38 | LOCAL GOVERNMENT | 19 | 0.7% | — |
| 39 | United Community Bank 67 out of 100, Moderate | 18 | 0.6% | 25.4% |
| 40 | AMERICAN FINANCIAL RESOURCES, INC. | 17 | 0.6% | — |
Top 40 of 236 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