North Carolina · HMDA 2025
Mortgage lenders in Wayne County, NC
277 lenders reported 5,550 home-loan applications in Wayne County in 2025. 2,636 closed as loans ($602.3M), 1,047 were denied — a 27.1% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 21% of applications, led by STATE EMPLOYEES'. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 5,550
- Loans originated
- 2,636
- Purchase / refinance
- 1,491 / 786
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Wayne County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 713 | 12.8% | — |
| 2 | Rocket Mortgage, LLC | 225 | 4.1% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 223 | 4.0% | — |
| 4 | Mortgage Research Center, LLC | 223 | 4.0% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 220 | 4.0% | — |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 188 | 3.4% | — |
| 7 | FREEDOM MORTGAGE CORPORATION | 170 | 3.1% | — |
| 8 | Truist Bank 63 out of 100, Moderate | 168 | 3.0% | 40.8% |
| 9 | 21st Mortgage Corporation | 162 | 2.9% | — |
| 10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 161 | 2.9% | — |
| 11 | NEWREZ LLC | 141 | 2.5% | — |
| 12 | Navy Federal Credit Union 66 out of 100, Moderate | 120 | 2.2% | 32.9% |
| 13 | MOVEMENT MORTGAGE, LLC | 112 | 2.0% | — |
| 14 | PLANET HOME LENDING, LLC | 108 | 1.9% | — |
| 15 | LOWER, LLC | 101 | 1.8% | — |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 96 | 1.7% | — |
| 17 | American Security Mortgage Corp. | 81 | 1.5% | — |
| 18 | DHI MORTGAGE COMPANY, LTD. | 80 | 1.4% | — |
| 19 | Loandepot.Com, LLC | 74 | 1.3% | — |
| 20 | VILLAGE CAPITAL & INVESTMENT LLC | 70 | 1.3% | — |
| 21 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 69 | 1.2% | 22.5% |
| 22 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 67 | 1.2% | 14.1% |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 64 | 1.2% | — |
| 24 | Southern Bank and Trust Company 70 out of 100, Strong | 64 | 1.2% | 12.5% |
| 25 | Broker Solutions, Inc. | 63 | 1.1% | — |
| 26 | NEW DAY FINANCIAL, LLC | 60 | 1.1% | — |
| 27 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 58 | 1.0% | 2.2% |
| 28 | PNC Bank, National Association 62 out of 100, Moderate | 55 | 1.0% | 33.8% |
| 29 | NATIONSTAR MORTGAGE LLC | 55 | 1.0% | — |
| 30 | AmeriSave Mortgage Corporation | 49 | 0.9% | — |
| 31 | Coastal Community Bank 35 out of 100, Low | 43 | 0.8% | 3.0% |
| 32 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 40 | 0.7% | 22.2% |
| 33 | LAKEVIEW LOAN SERVICING, LLC | 37 | 0.7% | — |
| 34 | FIGURE LENDING LLC | 29 | 0.5% | — |
| 35 | EVERETT FINANCIAL, INC. | 28 | 0.5% | — |
| 36 | First National Bank of Pennsylvania 64 out of 100, Moderate | 28 | 0.5% | 26.6% |
| 37 | Fairway Independent Mortgage Corporation | 26 | 0.5% | — |
| 38 | GUARANTEED RATE, INC. | 26 | 0.5% | — |
| 39 | MICHIGAN MUTUAL, INC. | 25 | 0.5% | — |
| 40 | The Federal Savings Bank 51 out of 100, Below average | 24 | 0.4% | 19.1% |
Top 40 of 277 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