North Carolina · HMDA 2025
Mortgage lenders in Transylvania County, NC
198 lenders reported 1,406 home-loan applications in Transylvania County in 2025. 768 closed as loans ($284.1M), 225 were denied — a 21.8% denial rate on decided applications, close to the North Carolina rate of 22.7%. The three most active lenders handled 22% of applications, led by STATE EMPLOYEES'. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,406
- Loans originated
- 768
- Purchase / refinance
- 351 / 240
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Transylvania County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 118 | 8.4% | — |
| 2 | United Community Bank 67 out of 100, Moderate | 104 | 7.4% | 25.4% |
| 3 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 88 | 6.3% | 22.5% |
| 4 | Rocket Mortgage, LLC | 71 | 5.0% | — |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 51 | 3.6% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 49 | 3.5% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 45 | 3.2% | — |
| 8 | Fifth Third Bank, National Association 62 out of 100, Moderate | 42 | 3.0% | 34.0% |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 30 | 2.1% | 14.1% |
| 10 | NEWREZ LLC | 28 | 2.0% | — |
| 11 | MOVEMENT MORTGAGE, LLC | 24 | 1.7% | — |
| 12 | Bank of America, National Association 59 out of 100, Moderate | 24 | 1.7% | 44.7% |
| 13 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 23 | 1.6% | 22.2% |
| 14 | Mortgage Research Center, LLC | 19 | 1.4% | — |
| 15 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 19 | 1.4% | — |
| 16 | Citizens Bank, National Association 54 out of 100, Below average | 18 | 1.3% | 32.5% |
| 17 | AmeriSave Mortgage Corporation | 18 | 1.3% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 18 | 1.3% | — |
| 19 | UNITED FEDERAL CREDIT UNION | 17 | 1.2% | — |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 16 | 1.1% | 32.9% |
| 21 | PNC Bank, National Association 62 out of 100, Moderate | 16 | 1.1% | 33.8% |
| 22 | HOWARD HANNA FINANCIAL SERVICES, INC. | 15 | 1.1% | — |
| 23 | Broker Solutions, Inc. | 14 | 1.0% | — |
| 24 | HomeTrust Bank 68 out of 100, Moderate | 14 | 1.0% | 24.1% |
| 25 | GoPrime Mortgage, Inc. | 14 | 1.0% | — |
| 26 | Coastal Community Bank 35 out of 100, Low | 14 | 1.0% | 3.0% |
| 27 | Ameris Bank 67 out of 100, Moderate | 14 | 1.0% | 10.5% |
| 28 | Truist Bank 63 out of 100, Moderate | 13 | 0.9% | 40.8% |
| 29 | Loandepot.Com, LLC | 13 | 0.9% | — |
| 30 | TD Bank, National Association 63 out of 100, Moderate | 11 | 0.8% | 35.3% |
| 31 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 11 | 0.8% | 35.5% |
| 32 | First Bank 74 out of 100, Strong | 11 | 0.8% | 18.3% |
| 33 | AMERIHOME MORTGAGE COMPANY, LLC | 10 | 0.7% | — |
| 34 | SOFI BANK, NATIONAL ASSOCIATION | 10 | 0.7% | — |
| 35 | NATIONSTAR MORTGAGE LLC | 10 | 0.7% | — |
| 36 | GUARANTEED RATE, INC. | 9 | 0.6% | — |
| 37 | LOCAL GOVERNMENT | 9 | 0.6% | — |
| 38 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 9 | 0.6% | — |
| 39 | SouthState Bank, National Association 68 out of 100, Moderate | 9 | 0.6% | 23.3% |
| 40 | Charles Schwab Bank, SSB 81 out of 100, Strong | 9 | 0.6% | 5.2% |
Top 40 of 198 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