North Carolina · HMDA 2025
Mortgage lenders in Watauga County, NC
257 lenders reported 2,092 home-loan applications in Watauga County in 2025. 1,204 closed as loans ($525.4M), 300 were denied — a 19.4% denial rate on decided applications, below the North Carolina rate of 22.7%. The three most active lenders handled 23% of applications, led by STATE EMPLOYEES'. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,092
- Loans originated
- 1,204
- Purchase / refinance
- 650 / 337
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Watauga County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 293 | 14.0% | — |
| 2 | Rocket Mortgage, LLC | 110 | 5.3% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 77 | 3.7% | — |
| 4 | Bank of America, National Association 59 out of 100, Moderate | 77 | 3.7% | 44.7% |
| 5 | MOVEMENT MORTGAGE, LLC | 75 | 3.6% | — |
| 6 | Truist Bank 63 out of 100, Moderate | 72 | 3.4% | 40.8% |
| 7 | United Community Bank 67 out of 100, Moderate | 62 | 3.0% | 25.4% |
| 8 | First National Bank of Pennsylvania 64 out of 100, Moderate | 62 | 3.0% | 26.6% |
| 9 | Fairway Independent Mortgage Corporation | 54 | 2.6% | — |
| 10 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 53 | 2.5% | 22.5% |
| 11 | SKYLINE NATIONAL BANK 66 out of 100, Moderate | 47 | 2.2% | 5.7% |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 38 | 1.8% | — |
| 13 | NEWREZ LLC | 37 | 1.8% | — |
| 14 | GUILD MORTGAGE COMPANY | 37 | 1.8% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 35 | 1.7% | 14.1% |
| 16 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 30 | 1.4% | 22.2% |
| 17 | Navy Federal Credit Union 66 out of 100, Moderate | 29 | 1.4% | 32.9% |
| 18 | VANDERBILT MORTGAGE AND FINANCE, INC. | 29 | 1.4% | — |
| 19 | PNC Bank, National Association 62 out of 100, Moderate | 26 | 1.2% | 33.8% |
| 20 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 22 | 1.1% | — |
| 21 | Bank of Tennessee 67 out of 100, Moderate | 20 | 1.0% | 16.3% |
| 22 | AmeriSave Mortgage Corporation | 17 | 0.8% | — |
| 23 | Broker Solutions, Inc. | 16 | 0.8% | — |
| 24 | Fifth Third Bank, National Association 62 out of 100, Moderate | 16 | 0.8% | 34.0% |
| 25 | Loandepot.Com, LLC | 14 | 0.7% | — |
| 26 | CROSSCOUNTRY MORTGAGE, INC. | 14 | 0.7% | — |
| 27 | First Community Bank 75 out of 100, Strong | 14 | 0.7% | 30.8% |
| 28 | NATIONSTAR MORTGAGE LLC | 14 | 0.7% | — |
| 29 | Mortgage Research Center, LLC | 13 | 0.6% | — |
| 30 | New Peoples Bank, Inc. 76 out of 100, Strong | 13 | 0.6% | 5.9% |
| 31 | Ameris Bank 67 out of 100, Moderate | 13 | 0.6% | 10.5% |
| 32 | U.S. Bank National Association 55 out of 100, Moderate | 12 | 0.6% | 39.5% |
| 33 | Pinnacle Bank 60 out of 100, Moderate | 12 | 0.6% | 17.5% |
| 34 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 12 | 0.6% | 35.5% |
| 35 | American Security Mortgage Corp. | 12 | 0.6% | — |
| 36 | BETTER MORTGAGE CORPORATION | 12 | 0.6% | — |
| 37 | SouthState Bank, National Association 68 out of 100, Moderate | 12 | 0.6% | 23.3% |
| 38 | GUARANTEED RATE, INC. | 11 | 0.5% | — |
| 39 | LIMA ONE CAPITAL, LLC | 11 | 0.5% | — |
| 40 | AMERIHOME MORTGAGE COMPANY, LLC | 11 | 0.5% | — |
Top 40 of 257 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