Mortgage lending in Cleveland County, North Carolina
Lenders in Cleveland County, North Carolina reported 4,618 mortgage applications for 2025, according to the CFPB.
4,618 mortgage applications and 2,373 loans originated in 2025; the denial rate was 29.3% of 3,563 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: Cleveland County, NC.
- 4,618
- Applications
- 2,373
- Loans originated
- 29.3%
- Denial rate
- 1,045 denied of 3,563 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,618 | 2,373 |
| 2024 | 4,085 | 2,117 |
| 2023 | 3,832 | 1,952 |
| 2022 | 4,878 | 2,651 |
| 2021 | 6,277 | 3,577 |
| 2020 | 4,762 | 2,825 |
| 2019 | 3,469 | 2,001 |
| 2018 | 3,406 | 1,847 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 332 | 547 |
| Rocket Mortgage | 179 | 256 |
| Truliant Federal Credit Union | 127 | 249 |
| United Wholesale Mortgage | 96 | 152 |
| Guaranteed Rate, Inc. | 82 | 125 |
| Truist Bank | 69 | 126 |
| Bank Ozk | 67 | 119 |
| HomeTrust Bank | 61 | 95 |
| Movement Mortgage, LLC | 58 | 82 |
| loanDepot.com LLC | 55 | 95 |
| The Fidelity Bank | 48 | 62 |
| DHI Mortgage Company, LTD. | 47 | 62 |
| Atlantic Bay Mortgage Group | 42 | 51 |
| Sharonview Federal CU | 41 | 67 |
| Vanderbilt Mortgage and Finance, Inc | 40 | 454 |
| Guild Mortgage Company | 36 | 46 |
| Fifth Third Bank, National Association | 32 | 67 |
| Pennymac Loan Services LLC | 31 | 71 |
| American Pacific Mortgage Corporation | 28 | 43 |
| Navy Federal Credit Union | 27 | 48 |
| Mortgage Research Center | 27 | 74 |
| New American Funding, LLC. | 25 | 55 |
| Crosscountry Mortgage, LLC | 24 | 46 |
| Freedom Mortgage Corporation | 23 | 58 |
| Skyla Federal Credit Union | 22 | 52 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 26 | no rate: base under 50 |
| Asian | 57 | no rate: base under 50 |
| Black or African American | 704 | 40.3% of 528 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,010 | 25.9% of 2,351 decided |
| 2 or more minority races | withheld | |
| Joint | 84 | 39.7% of 58 decided |
| Race Not Available | 719 | 30.4% of 550 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 229 | 27.5% of 182 decided |
| Not Hispanic or Latino | 3,522 | 27.8% of 2,754 decided |
| Joint | 55 | no rate: base under 50 |
| Ethnicity Not Available | 812 | 36.6% of 585 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,544 | 30.0% of 1,188 decided |
| Female | 1,186 | 33.6% of 918 decided |
| Joint | 1,432 | 24.1% of 1,115 decided |
| Sex Not Available | 456 | 32.8% of 342 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. 1449 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