Mortgage lending in Davidson County, North Carolina
Lenders in Davidson County, North Carolina reported 8,308 mortgage applications for 2025, according to the CFPB.
8,308 mortgage applications and 4,799 loans originated in 2025; the denial rate was 23.6% of 6,616 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: Davidson County, NC HUD Metro FMR Area.
- 8,308
- Applications
- 4,799
- Loans originated
- 23.6%
- Denial rate
- 1,560 denied of 6,616 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,308 | 4,799 |
| 2024 | 7,815 | 4,647 |
| 2023 | 7,339 | 4,365 |
| 2022 | 9,051 | 5,419 |
| 2021 | 12,518 | 7,935 |
| 2020 | 10,228 | 6,600 |
| 2019 | 7,156 | 4,537 |
| 2018 | 6,413 | 3,939 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 459 | 765 |
| Atlantic Bay Mortgage Group | 433 | 523 |
| Rocket Mortgage | 330 | 444 |
| First National Bank of PA | 256 | 393 |
| DHI Mortgage Company, LTD. | 194 | 305 |
| Truist Bank | 177 | 293 |
| Truliant Federal Credit Union | 175 | 382 |
| United Wholesale Mortgage | 143 | 218 |
| Movement Mortgage, LLC | 130 | 175 |
| Allegacy Federal Credit Union | 113 | 158 |
| Pinnacle Bank | 112 | 154 |
| Fairway Independent Mort Corp | 85 | 103 |
| Mortgage Research Center | 79 | 151 |
| The Fidelity Bank | 78 | 96 |
| Crosscountry Mortgage, LLC | 78 | 120 |
| Inspire Home Loans Inc. | 74 | 106 |
| Freedom Mortgage Corporation | 71 | 150 |
| Union Home Mortgage Corp. | 65 | 73 |
| Highlands Residential Mortgage, Ltd. | 58 | 82 |
| Ixonia Bank | 52 | 68 |
| loanDepot.com LLC | 48 | 82 |
| Pennymac Loan Services LLC | 47 | 111 |
| Canopy Mortgage, LLC | 46 | 58 |
| Vanderbilt Mortgage and Finance, Inc | 43 | 384 |
| Guild Mortgage Company | 42 | 50 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 68 | no rate: base under 50 |
| Asian | 165 | 22.2% of 126 decided |
| Black or African American | 720 | 32.6% of 579 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 5,937 | 22.3% of 4,816 decided |
| 2 or more minority races | 17 | no rate: base under 50 |
| Joint | 169 | 27.5% of 131 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,224 | 23.2% of 893 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 524 | 30.5% of 423 decided |
| Not Hispanic or Latino | 6,430 | 22.6% of 5,203 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,217 | 25.9% of 877 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,830 | 24.5% of 2,264 decided |
| Female | 1,979 | 30.1% of 1,569 decided |
| Joint | 2,846 | 18.6% of 2,323 decided |
| Sex Not Available | 653 | 22.0% of 460 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. 1031 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