Mortgage lending in Graham County, North Carolina
Lenders in Graham County, North Carolina reported 287 mortgage applications for 2025, according to the CFPB.
287 mortgage applications and 156 loans originated in 2025; the denial rate was 26.8% of 224 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Graham County, NC.
- 287
- Applications
- 156
- Loans originated
- 26.8%
- Denial rate
- 60 denied of 224 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 287 | 156 |
| 2024 | 285 | 154 |
| 2023 | 245 | 138 |
| 2022 | 372 | 233 |
| 2021 | 480 | 275 |
| 2020 | 445 | 269 |
| 2019 | 310 | 175 |
| 2018 | 290 | 169 |
The largest lenders here
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 | under 10 | |
| White | 236 | 23.5% of 187 decided |
| Joint | under 10 | |
| Free Form Text Only | under 10 | |
| Race Not Available | 33 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 11 | no rate: base under 50 |
| Not Hispanic or Latino | 229 | 24.9% of 181 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 39 | no rate: base under 50 |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 83 | 31.1% of 61 decided |
| Female | 60 | no rate: base under 50 |
| Joint | 124 | 18.0% of 100 decided |
| Sex Not Available | 20 | 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. 1451 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