Mortgage lending in Cumberland County, North Carolina
Lenders in Cumberland County, North Carolina reported 16,255 mortgage applications for 2025, according to the CFPB.
16,255 mortgage applications and 8,371 loans originated in 2025; the denial rate was 24.6% of 12,085 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Fayetteville, NC HUD Metro FMR Area.
- 16,255
- Applications
- 8,371
- Loans originated
- 24.6%
- Denial rate
- 2,977 denied of 12,085 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 16,255 | 8,371 |
| 2024 | 15,209 | 8,226 |
| 2023 | 13,620 | 7,374 |
| 2022 | 17,521 | 9,712 |
| 2021 | 23,837 | 14,242 |
| 2020 | 20,931 | 12,200 |
| 2019 | 13,726 | 7,777 |
| 2018 | 11,499 | 6,200 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Mortgage Research Center | 752 | 1,424 |
| United Wholesale Mortgage | 719 | 1,036 |
| Rocket Mortgage | 542 | 748 |
| Freedom Mortgage Corporation | 490 | 977 |
| Navy Federal Credit Union | 374 | 869 |
| State Employees' Credit Union | 305 | 593 |
| Movement Mortgage, LLC | 247 | 343 |
| Crosscountry Mortgage, LLC | 198 | 304 |
| Truist Bank | 188 | 363 |
| Union Home Mortgage Corp. | 178 | 236 |
| Pennymac Loan Services LLC | 173 | 397 |
| Guaranteed Rate, Inc. | 169 | 286 |
| First Ciitizens Bank and Trust | 153 | 276 |
| Cornerstone Capital Bank, SSB | 149 | 165 |
| Kiavi Funding, Inc. | 120 | 272 |
| Guild Mortgage Company | 118 | 155 |
| loanDepot.com LLC | 116 | 215 |
| Newrez LLC | 113 | 302 |
| Nationstar Mortgage | 110 | 160 |
| Southern Trust Mortgage, LLC | 99 | 119 |
| Mutual of Omaha Mortgage | 88 | 131 |
| American Security Mortgage Cor | 85 | 155 |
| New American Funding, LLC. | 82 | 215 |
| Mortgage Solutions of Colorado | 81 | 113 |
| Atlantic Bay Mortgage Group | 80 | 96 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 201 | 29.0% of 148 decided |
| Asian | 507 | 19.1% of 388 decided |
| Black or African American | 4,744 | 32.0% of 3,492 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 6,120 | 18.9% of 4,729 decided |
| 2 or more minority races | 111 | 28.4% of 81 decided |
| Joint | 378 | 21.2% of 278 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 4,109 | 25.8% of 2,907 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,567 | 18.9% of 1,211 decided |
| Not Hispanic or Latino | 10,508 | 24.9% of 7,918 decided |
| Joint | withheld | |
| Ethnicity Not Available | 3,804 | 26.9% of 2,678 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 6,804 | 22.7% of 5,021 decided |
| Female | 3,943 | 30.2% of 2,991 decided |
| Joint | 3,313 | 21.0% of 2,576 decided |
| Sex Not Available | 2,195 | 26.3% of 1,497 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. 788 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