Mortgage lending in Chatham County, North Carolina
Lenders in Chatham County, North Carolina reported 3,509 mortgage applications for 2025, according to the CFPB.
3,509 mortgage applications and 2,161 loans originated in 2025; the denial rate was 18.2% of 2,784 applications decided. The median loan was about $335,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Durham-Chapel Hill, NC HUD Metro FMR Area.
- 3,509
- Applications
- 2,161
- Loans originated
- 18.2%
- Denial rate
- 507 denied of 2,784 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,509 | 2,161 |
| 2024 | 3,111 | 1,971 |
| 2023 | 3,306 | 1,999 |
| 2022 | 4,507 | 2,904 |
| 2021 | 7,080 | 4,815 |
| 2020 | 6,797 | 4,575 |
| 2019 | 4,334 | 2,854 |
| 2018 | 3,687 | 2,392 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 301 | 482 |
| United Wholesale Mortgage | 123 | 151 |
| Rocket Mortgage | 120 | 165 |
| Truist Bank | 96 | 165 |
| First Ciitizens Bank and Trust | 90 | 126 |
| The Fidelity Bank | 67 | 87 |
| Coastal Federal Credit Union | 60 | 93 |
| Bank of America NA | 50 | 97 |
| Movement Mortgage, LLC | 47 | 67 |
| Taylor Morrison Home Funding, Inc. | 44 | 52 |
| Corporate Investors Mortgage G | 40 | 44 |
| First National Bank of PA | 39 | 59 |
| Fifth Third Bank, National Association | 36 | 46 |
| Crosscountry Mortgage, LLC | 32 | 44 |
| Pennymac Loan Services LLC | 31 | 54 |
| Navy Federal Credit Union | 29 | 59 |
| Prosperity Home Mortgage, LLC | 28 | 32 |
| PNC Bank N.A. | 28 | 54 |
| Freedom Mortgage Corporation | 25 | 51 |
| Pulte Mortgage LLC | 23 | 32 |
| loanDepot.com LLC | 23 | 35 |
| Wells Fargo Bank NA | 21 | 31 |
| American Security Mortgage Cor | 18 | 21 |
| Nationstar Mortgage | 18 | 20 |
| First Home Mortgage | 17 | 18 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 11 | no rate: base under 50 |
| Asian | 181 | 11.9% of 134 decided |
| Black or African American | 254 | 36.0% of 197 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,392 | 17.1% of 1,949 decided |
| 2 or more minority races | under 10 | |
| Joint | 90 | 7.6% of 66 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 573 | 18.4% of 425 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 209 | 31.5% of 165 decided |
| Not Hispanic or Latino | 2,689 | 17.4% of 2,165 decided |
| Joint | 59 | no rate: base under 50 |
| Ethnicity Not Available | 552 | 17.8% of 409 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,013 | 23.1% of 804 decided |
| Female | 672 | 25.0% of 524 decided |
| Joint | 1,505 | 11.9% of 1,222 decided |
| Sex Not Available | 319 | 18.8% of 234 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. 190 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