Mortgage lending in Burke County, North Carolina
Lenders in Burke County, North Carolina reported 3,389 mortgage applications for 2025, according to the CFPB.
3,389 mortgage applications and 1,901 loans originated in 2025; the denial rate was 26.0% of 2,693 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Hickory-Lenoir-Morganton, NC MSA.
- 3,389
- Applications
- 1,901
- Loans originated
- 26.0%
- Denial rate
- 700 denied of 2,693 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,389 | 1,901 |
| 2024 | 3,085 | 1,751 |
| 2023 | 3,032 | 1,744 |
| 2022 | 3,644 | 2,239 |
| 2021 | 5,172 | 3,273 |
| 2020 | 4,202 | 2,653 |
| 2019 | 3,286 | 2,122 |
| 2018 | 2,969 | 1,849 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 468 | 752 |
| Atlantic Bay Mortgage Group | 200 | 244 |
| Rocket Mortgage | 157 | 222 |
| First Ciitizens Bank and Trust | 80 | 113 |
| Truist Bank | 73 | 125 |
| United Wholesale Mortgage | 59 | 96 |
| Movement Mortgage, LLC | 41 | 60 |
| Crosscountry Mortgage, LLC | 40 | 61 |
| Mortgage Research Center | 35 | 73 |
| Bank of America NA | 28 | 56 |
| Highlands Residential Mortgage, Ltd. | 24 | 32 |
| Freedom Mortgage Corporation | 22 | 38 |
| Fairway Independent Mort Corp | 20 | 25 |
| Pennymac Loan Services LLC | 20 | 44 |
| Navy Federal Credit Union | 19 | 35 |
| loanDepot.com LLC | 19 | 45 |
| Vanderbilt Mortgage and Finance, Inc | 18 | 178 |
| Peoples Bank | 16 | 19 |
| Guaranteed Rate, Inc. | 14 | 25 |
| Wells Fargo Bank NA | 14 | 23 |
| Telco Community Credit Union | 13 | 14 |
| Primis Bank | 13 | 24 |
| Nationstar Mortgage | 13 | 20 |
| Cardinal Financial Company, Li | 13 | 19 |
| Amerisave Mortgage Company | 13 | 64 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 18 | no rate: base under 50 |
| Asian | 64 | 19.6% of 56 decided |
| Black or African American | 108 | 40.5% of 84 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,688 | 24.4% of 2,149 decided |
| 2 or more minority races | under 10 | |
| Joint | 53 | no rate: base under 50 |
| Race Not Available | 451 | 33.2% of 343 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 143 | 25.9% of 112 decided |
| Not Hispanic or Latino | 2,734 | 24.8% of 2,191 decided |
| Joint | withheld | |
| Ethnicity Not Available | 454 | 33.5% of 340 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,022 | 27.8% of 788 decided |
| Female | 807 | 30.8% of 649 decided |
| Joint | 1,271 | 20.2% of 1,042 decided |
| Sex Not Available | 289 | 33.2% of 214 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. 1291 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