Mortgage lending in Clay County, North Carolina
Lenders in Clay County, North Carolina reported 528 mortgage applications for 2025, according to the CFPB.
528 mortgage applications and 284 loans originated in 2025; the denial rate was 26.5% of 411 applications decided. The median loan was about $220,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Clay County, NC.
- 528
- Applications
- 284
- Loans originated
- 26.5%
- Denial rate
- 109 denied of 411 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 528 | 284 |
| 2024 | 474 | 269 |
| 2023 | 424 | 241 |
| 2022 | 679 | 396 |
| 2021 | 1,055 | 686 |
| 2020 | 862 | 569 |
| 2019 | 599 | 398 |
| 2018 | 543 | 343 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 38 | 57 |
| United Community Bank | 34 | 55 |
| Rocket Mortgage | 24 | 37 |
| Union Home Mortgage Corp. | 13 | 16 |
| First Ciitizens Bank and Trust | 12 | 18 |
| United Wholesale Mortgage | 11 | 16 |
| The Central Trust Bank | 11 | 14 |
| Southstate Bank, National Association | 10 | 14 |
| Vanderbilt Mortgage and Finance, Inc | 9 | 26 |
| PFN Lending Group, Inc. | 7 | 12 |
| Mortgage Research Center | 7 | 11 |
| First Community Mortgage, Inc. | 6 | 7 |
| Newrez LLC | 4 | 11 |
| 21ST Mortgage | 4 | 11 |
| Iserve Residential Lending | 3 | 3 |
| Nationstar Mortgage | 3 | 4 |
| Freedom Mortgage Corporation | 3 | 10 |
| Mutual of Omaha Mortgage | 3 | 5 |
| Bank of America NA | 3 | 10 |
| Truist Bank | 3 | 7 |
| Pennymac Loan Services LLC | 3 | 6 |
| Triad Financial Services, Inc. | 2 | 6 |
| Capital City Home Loans, LLC | 2 | 2 |
| Towne Mortgage Company | 2 | 4 |
| Civic FCU | 2 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| Black or African American | under 10 | |
| White | 453 | 24.4% of 353 decided |
| Joint | under 10 | |
| Race Not Available | 71 | 41.1% of 56 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 426 | 23.3% of 330 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 74 | 39.0% of 59 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 160 | 26.6% of 124 decided |
| Female | 126 | 28.7% of 94 decided |
| Joint | 195 | 21.0% of 157 decided |
| Sex Not Available | 47 | no rate: base under 50 |
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. 853 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