Mortgage lending in Buncombe County, North Carolina
Lenders in Buncombe County, North Carolina reported 9,739 mortgage applications for 2025, according to the CFPB.
9,739 mortgage applications and 5,578 loans originated in 2025; the denial rate was 22.8% of 7,668 applications decided. The median loan was about $305,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Asheville, NC MSA.
- 9,739
- Applications
- 5,578
- Loans originated
- 22.8%
- Denial rate
- 1,751 denied of 7,668 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,739 | 5,578 |
| 2024 | 8,658 | 4,910 |
| 2023 | 9,173 | 5,182 |
| 2022 | 13,750 | 8,198 |
| 2021 | 21,817 | 13,972 |
| 2020 | 20,504 | 13,135 |
| 2019 | 14,359 | 8,996 |
| 2018 | 12,471 | 7,698 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 613 | 1,056 |
| Movement Mortgage, LLC | 403 | 571 |
| Rocket Mortgage | 366 | 502 |
| HomeTrust Bank | 258 | 406 |
| First Ciitizens Bank and Trust | 255 | 384 |
| United Wholesale Mortgage | 238 | 329 |
| Atlantic Bay Mortgage Group | 200 | 245 |
| United Federal Credit Union | 128 | 225 |
| Truist Bank | 119 | 225 |
| Bank of America NA | 110 | 239 |
| Howard Hanna Financial Services, Inc | 94 | 114 |
| First Bank | 90 | 144 |
| Guaranteed Rate, Inc. | 86 | 172 |
| DHI Mortgage Company, LTD. | 76 | 107 |
| loanDepot.com LLC | 70 | 110 |
| Fairway Independent Mort Corp | 69 | 87 |
| TD Bank | 68 | 106 |
| Telco Community Credit Union | 64 | 81 |
| Vanderbilt Mortgage and Finance, Inc | 59 | 408 |
| Crosscountry Mortgage, LLC | 55 | 96 |
| Goprime Mortgage, Inc. | 53 | 68 |
| The Park National Bank | 51 | 65 |
| PNC Bank N.A. | 50 | 87 |
| JPMorgan Chase Bank, NA | 49 | 71 |
| Union Home Mortgage Corp. | 43 | 55 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 32 | no rate: base under 50 |
| Asian | 130 | 27.3% of 110 decided |
| Black or African American | 318 | 45.6% of 241 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 7,632 | 21.3% of 6,097 decided |
| 2 or more minority races | 12 | no rate: base under 50 |
| Joint | 155 | 13.8% of 116 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,450 | 26.2% of 1,064 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 438 | 29.8% of 336 decided |
| Not Hispanic or Latino | 7,615 | 21.6% of 6,081 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,492 | 28.0% of 1,088 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,890 | 26.2% of 2,274 decided |
| Female | 2,425 | 25.5% of 1,900 decided |
| Joint | 3,521 | 17.9% of 2,858 decided |
| Sex Not Available | 903 | 25.2% of 636 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. 271 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