North Carolina · HMDA 2025
Mortgage lenders in Wake County, NC
648 lenders reported 59,673 home-loan applications in Wake County in 2025. 32,311 closed as loans ($12.8B), 7,776 were denied — a 18.7% denial rate on decided applications, below the North Carolina rate of 22.7%. The three most active lenders handled 19% of applications, led by STATE EMPLOYEES'. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 59,673
- Loans originated
- 32,311
- Purchase / refinance
- 17,173 / 9,036
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Wake County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 5,735 | 9.6% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 3,051 | 5.1% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 2,760 | 4.6% | — |
| 4 | COASTAL Federal Credit Union 66 out of 100, Moderate | 2,589 | 4.3% | 28.9% |
| 5 | Rocket Mortgage, LLC | 2,273 | 3.8% | — |
| 6 | Truist Bank 63 out of 100, Moderate | 1,902 | 3.2% | 40.8% |
| 7 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 1,777 | 3.0% | 22.5% |
| 8 | Bank of America, National Association 59 out of 100, Moderate | 1,497 | 2.5% | 44.7% |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1,479 | 2.5% | 14.1% |
| 10 | LENNAR MORTGAGE, LLC | 1,421 | 2.4% | — |
| 11 | NEWREZ LLC | 1,335 | 2.2% | — |
| 12 | Navy Federal Credit Union 66 out of 100, Moderate | 1,004 | 1.7% | 32.9% |
| 13 | Fifth Third Bank, National Association 62 out of 100, Moderate | 944 | 1.6% | 34.0% |
| 14 | FREEDOM MORTGAGE CORPORATION | 869 | 1.5% | — |
| 15 | MOVEMENT MORTGAGE, LLC | 861 | 1.4% | — |
| 16 | First National Bank of Pennsylvania 64 out of 100, Moderate | 798 | 1.3% | 26.6% |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 737 | 1.2% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 693 | 1.2% | — |
| 19 | PNC Bank, National Association 62 out of 100, Moderate | 683 | 1.1% | 33.8% |
| 20 | Loandepot.Com, LLC | 675 | 1.1% | — |
| 21 | PULTE MORTGAGE LLC | 650 | 1.1% | — |
| 22 | DHI MORTGAGE COMPANY, LTD. | 639 | 1.1% | — |
| 23 | VANDERBILT MORTGAGE AND FINANCE, INC. | 601 | 1.0% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 584 | 1.0% | — |
| 25 | GUARANTEED RATE, INC. | 533 | 0.9% | — |
| 26 | NVR Mortgage Finance, Inc. | 494 | 0.8% | — |
| 27 | Coastal Community Bank 35 out of 100, Low | 493 | 0.8% | 3.0% |
| 28 | PHH Mortgage Corporation | 491 | 0.8% | — |
| 29 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 484 | 0.8% | 22.2% |
| 30 | Prosperity Home Mortgage, LLC | 444 | 0.7% | — |
| 31 | Towne Bank 74 out of 100, Strong | 403 | 0.7% | 6.6% |
| 32 | SPRING EQ, LLC | 402 | 0.7% | — |
| 33 | Mortgage Research Center, LLC | 398 | 0.7% | — |
| 34 | Fairway Independent Mortgage Corporation | 389 | 0.7% | — |
| 35 | First Heritage Mortgage, LLC | 349 | 0.6% | — |
| 36 | CMG MORTGAGE, INC. | 347 | 0.6% | — |
| 37 | Broker Solutions, Inc. | 342 | 0.6% | — |
| 38 | BETTER MORTGAGE CORPORATION | 341 | 0.6% | — |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 318 | 0.5% | — |
| 40 | AmeriSave Mortgage Corporation | 316 | 0.5% | — |
Top 40 of 648 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
- 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
- New Hanover County 12,317 apps