Mortgage lending in Franklin County, North Carolina
Lenders in Franklin County, North Carolina reported 4,237 mortgage applications for 2025, according to the CFPB.
4,237 mortgage applications and 2,471 loans originated in 2025; the denial rate was 23.4% of 3,384 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Raleigh-Cary, NC MSA.
- 4,237
- Applications
- 2,471
- Loans originated
- 23.4%
- Denial rate
- 791 denied of 3,384 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,237 | 2,471 |
| 2024 | 4,020 | 2,334 |
| 2023 | 4,161 | 2,400 |
| 2022 | 5,530 | 3,252 |
| 2021 | 7,318 | 4,601 |
| 2020 | 6,115 | 3,844 |
| 2019 | 4,030 | 2,512 |
| 2018 | 3,437 | 2,043 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 293 | 559 |
| Rocket Mortgage | 171 | 250 |
| United Wholesale Mortgage | 123 | 170 |
| Coastal Federal Credit Union | 95 | 152 |
| Vanderbilt Mortgage and Finance, Inc | 84 | 206 |
| Freedom Mortgage Corporation | 62 | 120 |
| First Ciitizens Bank and Trust | 57 | 84 |
| Truist Bank | 50 | 99 |
| Crosscountry Mortgage, LLC | 45 | 69 |
| Movement Mortgage, LLC | 41 | 54 |
| North State Bank | 41 | 48 |
| loanDepot.com LLC | 40 | 57 |
| Mortgage Research Center | 39 | 78 |
| Fairway Independent Mort Corp | 35 | 44 |
| DHI Mortgage Company, LTD. | 34 | 39 |
| Pennymac Loan Services LLC | 34 | 69 |
| Navy Federal Credit Union | 32 | 82 |
| Zillow Home Loans, LLC | 28 | 36 |
| Newrez LLC | 27 | 63 |
| First National Bank of PA | 27 | 59 |
| TowneBank | 25 | 33 |
| Nationstar Mortgage | 25 | 30 |
| NFM, Inc | 25 | 30 |
| NVR Mortgage Finance, Inc. | 23 | 28 |
| Wells Fargo Bank NA | 23 | 34 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 26 | no rate: base under 50 |
| Asian | 68 | 31.4% of 51 decided |
| Black or African American | 679 | 38.4% of 516 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,675 | 18.1% of 2,206 decided |
| 2 or more minority races | withheld | |
| Joint | 66 | 19.2% of 52 decided |
| Race Not Available | 696 | 29.2% of 520 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 307 | 33.9% of 236 decided |
| Not Hispanic or Latino | 3,141 | 21.3% of 2,551 decided |
| Joint | withheld | |
| Ethnicity Not Available | 682 | 29.8% of 514 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,460 | 25.1% of 1,147 decided |
| Female | 953 | 30.0% of 747 decided |
| Joint | 1,461 | 16.4% of 1,216 decided |
| Sex Not Available | 363 | 28.8% of 274 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. 427 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