Mortgage lending in Avery County, North Carolina
Lenders in Avery County, North Carolina reported 918 mortgage applications for 2025, according to the CFPB.
918 mortgage applications and 534 loans originated in 2025; the denial rate was 21.5% of 726 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Avery County, NC.
- 918
- Applications
- 534
- Loans originated
- 21.5%
- Denial rate
- 156 denied of 726 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 918 | 534 |
| 2024 | 849 | 473 |
| 2023 | 864 | 483 |
| 2022 | 1,331 | 813 |
| 2021 | 1,915 | 1,160 |
| 2020 | 1,808 | 1,096 |
| 2019 | 1,167 | 685 |
| 2018 | 961 | 568 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Community Bank | 72 | 101 |
| State Employees' Credit Union | 58 | 111 |
| Rocket Mortgage | 30 | 41 |
| Bank of Tennessee | 24 | 39 |
| Movement Mortgage, LLC | 21 | 31 |
| First Ciitizens Bank and Trust | 18 | 19 |
| Truist Bank | 17 | 35 |
| Bank of America NA | 16 | 25 |
| Atlantic Bay Mortgage Group | 14 | 18 |
| Guild Mortgage Company | 11 | 14 |
| Fairway Independent Mort Corp | 10 | 14 |
| Wells Fargo Bank NA | 9 | 14 |
| TD Bank | 7 | 9 |
| Vanderbilt Mortgage and Finance, Inc | 6 | 43 |
| American Security Mortgage Cor | 6 | 6 |
| United Wholesale Mortgage | 6 | 13 |
| First Horizon Bank | 6 | 7 |
| Citizens Bank, NA | 6 | 8 |
| Pennymac Loan Services LLC | 6 | 13 |
| Guaranteed Rate, Inc. | 5 | 9 |
| Fifth Third Bank, National Association | 5 | 14 |
| Mortgage Research Center | 4 | 13 |
| New Peoples Bank, Inc | 4 | 5 |
| JPMorgan Chase Bank, NA | 4 | 6 |
| First National Bank of PA | 4 | 7 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 775 | 21.8% of 619 decided |
| Joint | 12 | no rate: base under 50 |
| Race Not Available | 122 | 14.8% of 88 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 28 | no rate: base under 50 |
| Not Hispanic or Latino | 737 | 21.3% of 586 decided |
| Joint | 17 | no rate: base under 50 |
| Ethnicity Not Available | 136 | 20.8% of 101 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 276 | 24.2% of 219 decided |
| Female | 165 | 30.1% of 133 decided |
| Joint | 405 | 17.2% of 320 decided |
| Sex Not Available | 72 | 14.8% of 54 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 426 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved