Mortgage lending in Gates County, North Carolina
Lenders in Gates County, North Carolina reported 387 mortgage applications for 2025, according to the CFPB.
387 mortgage applications and 196 loans originated in 2025; the denial rate was 27.2% of 283 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Gates County, NC HUD Metro FMR Area.
- 387
- Applications
- 196
- Loans originated
- 27.2%
- Denial rate
- 77 denied of 283 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 387 | 196 |
| 2024 | 383 | 159 |
| 2023 | 356 | 187 |
| 2022 | 449 | 220 |
| 2021 | 596 | 298 |
| 2020 | 530 | 301 |
| 2019 | 399 | 205 |
| 2018 | 399 | 183 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 20 | 31 |
| United Wholesale Mortgage | 15 | 20 |
| Southern Bank and Trust Company | 12 | 13 |
| Navy Federal Credit Union | 10 | 34 |
| Rocket Mortgage | 10 | 15 |
| Mortgage Research Center | 8 | 12 |
| Movement Mortgage, LLC | 6 | 8 |
| Southern Trust Mortgage, LLC | 6 | 7 |
| Truist Bank | 6 | 11 |
| American Neighborhood Mortgage Acceptance Company | 5 | 7 |
| Newrez LLC | 4 | 14 |
| Abnb Federal Credit Union | 4 | 4 |
| Atlantic Bay Mortgage Group | 4 | 8 |
| Crosscountry Mortgage, LLC | 4 | 7 |
| Tidewater Home Funding, LLC | 4 | 4 |
| Tidewater Mortgage Services, Inc | 3 | 7 |
| Langley Federal Credit Union | 3 | 3 |
| Freedom Mortgage Corporation | 3 | 5 |
| Chartway Fcu | 3 | 5 |
| Towne Mortgage | 3 | 5 |
| Atlantic Union Bank | 3 | 5 |
| PNC Bank N.A. | 3 | 7 |
| First Ciitizens Bank and Trust | 3 | 3 |
| American Financial Resources LLC | 2 | 2 |
| TowneBank | 2 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 82 | 41.5% of 53 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 237 | 22.0% of 186 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 50 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 321 | 26.7% of 240 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 52 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 165 | 24.4% of 119 decided |
| Female | 80 | 34.5% of 55 decided |
| Joint | 117 | 22.3% of 94 decided |
| Sex Not Available | 25 | no rate: base under 50 |
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. 909 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