North Carolina · HMDA 2025
Mortgage lenders in Swain County, NC
150 lenders reported 581 home-loan applications in Swain County in 2025. 278 closed as loans ($77.5M), 124 were denied — a 29.8% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 30% of applications, led by STATE EMPLOYEES'. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 581
- Loans originated
- 278
- Purchase / refinance
- 155 / 82
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Swain County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 73 | 12.6% | — |
| 2 | United Community Bank 67 out of 100, Moderate | 67 | 11.5% | 25.4% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 35 | 6.0% | — |
| 4 | Rocket Mortgage, LLC | 28 | 4.8% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 2.8% | — |
| 6 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 14 | 2.4% | 22.5% |
| 7 | NEWREZ LLC | 13 | 2.2% | — |
| 8 | UNION HOME MORTGAGE CORP. | 13 | 2.2% | — |
| 9 | PLAZA HOME MORTGAGE, INC. | 11 | 1.9% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 10 | 1.7% | 14.1% |
| 11 | PENNYMAC LOAN SERVICES, LLC | 10 | 1.7% | — |
| 12 | Truist Bank 63 out of 100, Moderate | 9 | 1.5% | 40.8% |
| 13 | Mortgage Research Center, LLC | 9 | 1.5% | — |
| 14 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 1.2% | 22.2% |
| 15 | FIRST COMMUNITY MORTGAGE, INC. | 7 | 1.2% | — |
| 16 | AmeriSave Mortgage Corporation | 6 | 1.0% | — |
| 17 | THE LOAN STORE, INC. | 6 | 1.0% | — |
| 18 | Click n' Close, Inc. | 6 | 1.0% | — |
| 19 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 6 | 1.0% | 74.7% |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 0.9% | 32.9% |
| 21 | TRIAD FINANCIAL SERVICES, INC. | 5 | 0.9% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 5 | 0.9% | — |
| 23 | ALLIANT CREDIT UNION 60 out of 100, Moderate | 5 | 0.9% | 34.0% |
| 24 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 0.7% | 32.5% |
| 25 | MOVEMENT MORTGAGE, LLC | 4 | 0.7% | — |
| 26 | Loandepot.Com, LLC | 4 | 0.7% | — |
| 27 | Discover Bank | 4 | 0.7% | — |
| 28 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 0.7% | — |
| 29 | OCMBC, INC. | 4 | 0.7% | — |
| 30 | VILLAGE CAPITAL & INVESTMENT LLC | 4 | 0.7% | — |
| 31 | Ameris Bank 67 out of 100, Moderate | 4 | 0.7% | 10.5% |
| 32 | 21st Mortgage Corporation | 3 | 0.5% | — |
| 33 | Fairway Independent Mortgage Corporation | 3 | 0.5% | — |
| 34 | GUILD MORTGAGE COMPANY | 3 | 0.5% | — |
| 35 | A&D Mortgage LLC | 3 | 0.5% | — |
| 36 | FIGURE LENDING LLC | 3 | 0.5% | — |
| 37 | VISTA POINT MORTGAGE, LLC | 3 | 0.5% | — |
| 38 | SOUTHWEST STAGE FUNDING, LLC | 3 | 0.5% | — |
| 39 | AMERICAN FINANCIAL RESOURCES, INC. | 3 | 0.5% | — |
| 40 | MORTGAGE FINANCIAL GROUP, INC. | 3 | 0.5% | — |
Top 40 of 150 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