Mortgage lending in Cabarrus County, North Carolina
Lenders in Cabarrus County, North Carolina reported 11,947 mortgage applications for 2025, according to the CFPB.
11,947 mortgage applications and 7,195 loans originated in 2025; the denial rate was 20.5% of 9,539 applications decided. The median loan was about $285,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area.
- 11,947
- Applications
- 7,195
- Loans originated
- 20.5%
- Denial rate
- 1,958 denied of 9,539 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 11,947 | 7,195 |
| 2024 | 11,293 | 6,680 |
| 2023 | 10,161 | 5,988 |
| 2022 | 13,657 | 8,097 |
| 2021 | 23,380 | 15,160 |
| 2020 | 21,782 | 14,127 |
| 2019 | 14,311 | 8,902 |
| 2018 | 11,257 | 6,763 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 866 | 1,036 |
| State Employees' Credit Union | 565 | 930 |
| Rocket Mortgage | 548 | 737 |
| Movement Mortgage, LLC | 223 | 296 |
| loanDepot.com LLC | 179 | 255 |
| Fifth Third Bank, National Association | 172 | 326 |
| Bank of America NA | 167 | 347 |
| M/I Financial. LLC | 152 | 171 |
| Truist Bank | 136 | 229 |
| Truliant Federal Credit Union | 127 | 298 |
| NVR Mortgage Finance, Inc. | 121 | 179 |
| Uwharrie Bank | 113 | 138 |
| First National Bank of PA | 112 | 147 |
| Pennymac Loan Services LLC | 102 | 211 |
| Ixonia Bank | 99 | 132 |
| Atlantic Bay Mortgage Group | 95 | 115 |
| Fairway Independent Mort Corp | 88 | 118 |
| First Ciitizens Bank and Trust | 86 | 127 |
| Navy Federal Credit Union | 84 | 178 |
| ALCOVA Mortgage, LLC | 82 | 98 |
| American Security Mortgage Cor | 81 | 110 |
| Crosscountry Mortgage, LLC | 77 | 124 |
| Freedom Mortgage Corporation | 72 | 171 |
| JPMorgan Chase Bank, NA | 65 | 102 |
| Mortgage Research Center | 63 | 136 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 53 | no rate: base under 50 |
| Asian | 1,943 | 11.8% of 1,586 decided |
| Black or African American | 1,687 | 29.6% of 1,319 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 5,819 | 18.9% of 4,753 decided |
| 2 or more minority races | 45 | no rate: base under 50 |
| Joint | 203 | 15.5% of 168 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,181 | 26.8% of 1,629 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 867 | 28.2% of 709 decided |
| Not Hispanic or Latino | 8,814 | 19.1% of 7,134 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,028 | 23.8% of 1,498 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,510 | 19.9% of 3,611 decided |
| Female | 2,614 | 26.7% of 2,085 decided |
| Joint | 3,654 | 15.7% of 3,026 decided |
| Sex Not Available | 1,169 | 25.6% of 817 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. 358 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