Mortgage lending in Durham County, North Carolina
Lenders in Durham County, North Carolina reported 12,559 mortgage applications for 2025, according to the CFPB.
12,559 mortgage applications and 7,684 loans originated in 2025; the denial rate was 19.6% of 10,009 applications decided. The median loan was about $295,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Durham-Chapel Hill, NC HUD Metro FMR Area.
- 12,559
- Applications
- 7,684
- Loans originated
- 19.6%
- Denial rate
- 1,959 denied of 10,009 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 12,559 | 7,684 |
| 2024 | 11,330 | 6,926 |
| 2023 | 11,097 | 6,674 |
| 2022 | 16,532 | 10,344 |
| 2021 | 26,272 | 17,766 |
| 2020 | 24,741 | 16,412 |
| 2019 | 17,445 | 11,133 |
| 2018 | 14,018 | 8,916 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 879 | 1,540 |
| Rocket Mortgage | 462 | 605 |
| Lennar Mortgage, LLC | 381 | 467 |
| United Wholesale Mortgage | 294 | 409 |
| Coastal Federal Credit Union | 289 | 466 |
| First Ciitizens Bank and Trust | 239 | 354 |
| Pulte Mortgage LLC | 237 | 291 |
| Truist Bank | 215 | 444 |
| Corporate Investors Mortgage G | 193 | 213 |
| Movement Mortgage, LLC | 158 | 223 |
| JPMorgan Chase Bank, NA | 144 | 199 |
| Bank of America NA | 136 | 266 |
| Navy Federal Credit Union | 124 | 229 |
| First National Bank of PA | 118 | 175 |
| American Security Mortgage Cor | 115 | 138 |
| Pennymac Loan Services LLC | 108 | 184 |
| Velocio Mortgage, L.L.C. | 102 | 117 |
| Crosscountry Mortgage, LLC | 87 | 137 |
| Prosperity Home Mortgage, LLC | 75 | 102 |
| PNC Bank N.A. | 74 | 120 |
| Wells Fargo Bank NA | 73 | 131 |
| Freedom Mortgage Corporation | 71 | 185 |
| Vanderbilt Mortgage and Finance, Inc | 70 | 140 |
| Zillow Home Loans, LLC | 69 | 83 |
| NVR Mortgage Finance, Inc. | 65 | 76 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 48 | no rate: base under 50 |
| Asian | 1,291 | 13.0% of 1,057 decided |
| Black or African American | 2,483 | 34.9% of 1,955 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 5,921 | 13.6% of 4,836 decided |
| 2 or more minority races | 46 | no rate: base under 50 |
| Joint | 352 | 10.6% of 284 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,398 | 23.6% of 1,784 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 959 | 23.3% of 747 decided |
| Not Hispanic or Latino | 9,299 | 19.0% of 7,551 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,037 | 22.1% of 1,506 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,936 | 21.9% of 3,086 decided |
| Female | 3,526 | 22.4% of 2,868 decided |
| Joint | 3,821 | 13.7% of 3,149 decided |
| Sex Not Available | 1,276 | 23.3% of 906 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. 317 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