North Carolina · HMDA 2025
Mortgage lenders in Scotland County, NC
157 lenders reported 1,217 home-loan applications in Scotland County in 2025. 486 closed as loans ($86.6M), 308 were denied — a 36.8% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 32% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,217
- Loans originated
- 486
- Purchase / refinance
- 264 / 157
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Scotland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 159 | 13.1% | — |
| 2 | STATE EMPLOYEES' | 147 | 12.1% | — |
| 3 | 21st Mortgage Corporation | 79 | 6.5% | — |
| 4 | Rocket Mortgage, LLC | 63 | 5.2% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 43 | 3.5% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 34 | 2.8% | — |
| 7 | PNC Bank, National Association 62 out of 100, Moderate | 28 | 2.3% | 33.8% |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 27 | 2.2% | — |
| 9 | FREEDOM MORTGAGE CORPORATION | 27 | 2.2% | — |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 25 | 2.1% | 32.9% |
| 11 | Mortgage Research Center, LLC | 25 | 2.1% | — |
| 12 | C & F Mortgage Corporation | 23 | 1.9% | — |
| 13 | Truist Bank 63 out of 100, Moderate | 22 | 1.8% | 40.8% |
| 14 | NEWREZ LLC | 21 | 1.7% | — |
| 15 | UNION HOME MORTGAGE CORP. | 21 | 1.7% | — |
| 16 | Broker Solutions, Inc. | 20 | 1.6% | — |
| 17 | Loandepot.Com, LLC | 17 | 1.4% | — |
| 18 | AmeriSave Mortgage Corporation | 17 | 1.4% | — |
| 19 | First Bank 74 out of 100, Strong | 17 | 1.4% | 18.3% |
| 20 | TRIAD FINANCIAL SERVICES, INC. | 14 | 1.2% | — |
| 21 | VILLAGE CAPITAL & INVESTMENT LLC | 14 | 1.2% | — |
| 22 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 13 | 1.1% | 14.1% |
| 23 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 11 | 0.9% | 22.2% |
| 24 | SOUTHWEST STAGE FUNDING, LLC | 11 | 0.9% | — |
| 25 | PLANET HOME LENDING, LLC | 11 | 0.9% | — |
| 26 | Alcova Mortgage LLC | 11 | 0.9% | — |
| 27 | MOVEMENT MORTGAGE, LLC | 10 | 0.8% | — |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 10 | 0.8% | — |
| 29 | NFM, INC. | 9 | 0.7% | — |
| 30 | Fairway Independent Mortgage Corporation | 8 | 0.7% | — |
| 31 | Bank of America, National Association 59 out of 100, Moderate | 7 | 0.6% | 44.7% |
| 32 | FIGURE LENDING LLC | 7 | 0.6% | — |
| 33 | Blue Ridge Bank, National Association 49 out of 100, Below average | 7 | 0.6% | 11.7% |
| 34 | GUARANTEED RATE, INC. | 6 | 0.5% | — |
| 35 | SPRING EQ, LLC | 6 | 0.5% | — |
| 36 | CALCON MUTUAL MORTGAGE LLC | 6 | 0.5% | — |
| 37 | RELIANCE FIRST CAPITAL, LLC | 6 | 0.5% | — |
| 38 | Coastal Community Bank 35 out of 100, Low | 6 | 0.5% | 3.0% |
| 39 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 6 | 0.5% | 22.5% |
| 40 | LAKEVIEW LOAN SERVICING, LLC | 5 | 0.4% | — |
Top 40 of 157 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