Mortgage lending in Caldwell County, North Carolina
Lenders in Caldwell County, North Carolina reported 3,317 mortgage applications for 2025, according to the CFPB.
3,317 mortgage applications and 1,896 loans originated in 2025; the denial rate was 24.0% of 2,634 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Hickory-Lenoir-Morganton, NC MSA.
- 3,317
- Applications
- 1,896
- Loans originated
- 24.0%
- Denial rate
- 631 denied of 2,634 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,317 | 1,896 |
| 2024 | 2,770 | 1,667 |
| 2023 | 2,829 | 1,667 |
| 2022 | 3,539 | 2,171 |
| 2021 | 4,724 | 3,052 |
| 2020 | 3,925 | 2,427 |
| 2019 | 2,970 | 1,818 |
| 2018 | 2,706 | 1,577 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 364 | 628 |
| Crosscountry Mortgage, LLC | 193 | 260 |
| Rocket Mortgage | 167 | 225 |
| First Ciitizens Bank and Trust | 80 | 122 |
| Atlantic Bay Mortgage Group | 75 | 93 |
| Truist Bank | 73 | 120 |
| United Wholesale Mortgage | 53 | 87 |
| Skyline National Bank | 41 | 46 |
| Guild Mortgage Company | 35 | 47 |
| Movement Mortgage, LLC | 33 | 45 |
| Highlands Residential Mortgage, Ltd. | 33 | 48 |
| Freedom Mortgage Corporation | 32 | 60 |
| Mortgage Research Center | 30 | 59 |
| Fairway Independent Mort Corp | 30 | 39 |
| First Horizon Bank | 29 | 60 |
| loanDepot.com LLC | 26 | 50 |
| Bank of America NA | 22 | 45 |
| Taylorsville Savings Bank | 21 | 25 |
| Pennymac Loan Services LLC | 17 | 32 |
| Coastal Community Bank | 15 | 37 |
| Navy Federal Credit Union | 15 | 32 |
| Peoples Bank | 15 | 25 |
| Nationstar Mortgage | 15 | 23 |
| PNC Bank N.A. | 15 | 29 |
| New American Funding, LLC. | 13 | 41 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | 29 | no rate: base under 50 |
| Black or African American | 100 | 38.0% of 71 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,688 | 23.3% of 2,172 decided |
| 2 or more minority races | under 10 | |
| Joint | 48 | no rate: base under 50 |
| Race Not Available | 431 | 24.8% of 323 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 120 | 33.3% of 99 decided |
| Not Hispanic or Latino | 2,713 | 22.9% of 2,172 decided |
| Joint | 44 | no rate: base under 50 |
| Ethnicity Not Available | 440 | 28.5% of 326 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,084 | 25.8% of 860 decided |
| Female | 739 | 26.9% of 568 decided |
| Joint | 1,223 | 20.3% of 1,006 decided |
| Sex Not Available | 271 | 26.0% of 200 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. 1447 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