Mortgage lending in Cherokee County, North Carolina
Lenders in Cherokee County, North Carolina reported 1,517 mortgage applications for 2025, according to the CFPB.
1,517 mortgage applications and 825 loans originated in 2025; the denial rate was 26.8% of 1,189 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cherokee County, NC.
- 1,517
- Applications
- 825
- Loans originated
- 26.8%
- Denial rate
- 319 denied of 1,189 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,517 | 825 |
| 2024 | 1,344 | 805 |
| 2023 | 1,309 | 740 |
| 2022 | 1,828 | 1,104 |
| 2021 | 2,471 | 1,580 |
| 2020 | 2,127 | 1,361 |
| 2019 | 1,567 | 987 |
| 2018 | 1,402 | 833 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Union Home Mortgage Corp. | 93 | 122 |
| Rocket Mortgage | 87 | 128 |
| United Community Bank | 85 | 111 |
| State Employees' Credit Union | 57 | 104 |
| The Central Trust Bank | 36 | 49 |
| United Wholesale Mortgage | 32 | 43 |
| Truist Bank | 24 | 47 |
| Mortgage Research Center | 19 | 48 |
| loanDepot.com LLC | 17 | 31 |
| Navy Federal Credit Union | 15 | 35 |
| First Ciitizens Bank and Trust | 15 | 40 |
| Pennymac Loan Services LLC | 15 | 29 |
| Vanderbilt Mortgage and Finance, Inc | 11 | 53 |
| Newrez LLC | 10 | 22 |
| Freedom Mortgage Corporation | 9 | 19 |
| Nationstar Mortgage | 8 | 9 |
| New American Funding, LLC. | 7 | 22 |
| Zillow Home Loans, LLC | 6 | 6 |
| First Community Mortgage, Inc. | 6 | 8 |
| HomeXpress Mortgage Corp. | 6 | 7 |
| Crosscountry Mortgage, LLC | 6 | 14 |
| Amerisave Mortgage Company | 6 | 20 |
| Southstate Bank, National Association | 6 | 8 |
| The Loan Store, Inc | 5 | 5 |
| SWBC Mortgage Corporation | 5 | 6 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 11 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 11 | no rate: base under 50 |
| White | 1,266 | 26.2% of 1,010 decided |
| 2 or more minority races | under 10 | |
| Joint | 19 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 200 | 29.5% of 139 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 47 | no rate: base under 50 |
| Not Hispanic or Latino | 1,197 | 26.0% of 947 decided |
| Joint | withheld | |
| Ethnicity Not Available | 242 | 29.8% of 178 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 506 | 30.2% of 387 decided |
| Female | 311 | 29.2% of 240 decided |
| Joint | 586 | 21.7% of 489 decided |
| Sex Not Available | 114 | 35.6% of 73 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. 1030 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