Mortgage lending in Guilford County, North Carolina
Lenders in Guilford County, North Carolina reported 20,696 mortgage applications for 2025, according to the CFPB.
20,696 mortgage applications and 11,526 loans originated in 2025; the denial rate was 25.8% of 16,475 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: Greensboro-High Point, NC HUD Metro FMR Area.
- 20,696
- Applications
- 11,526
- Loans originated
- 25.8%
- Denial rate
- 4,255 denied of 16,475 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 20,696 | 11,526 |
| 2024 | 19,727 | 11,257 |
| 2023 | 18,191 | 10,511 |
| 2022 | 23,971 | 14,508 |
| 2021 | 35,717 | 22,932 |
| 2020 | 32,255 | 20,400 |
| 2019 | 22,400 | 13,951 |
| 2018 | 19,427 | 11,721 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 1,237 | 2,207 |
| Rocket Mortgage | 798 | 1,046 |
| Truliant Federal Credit Union | 588 | 1,374 |
| Truist Bank | 444 | 871 |
| Atlantic Bay Mortgage Group | 424 | 530 |
| United Wholesale Mortgage | 403 | 590 |
| Movement Mortgage, LLC | 387 | 513 |
| First National Bank of PA | 266 | 369 |
| DHI Mortgage Company, LTD. | 253 | 366 |
| First Ciitizens Bank and Trust | 243 | 383 |
| Highlands Residential Mortgage, Ltd. | 218 | 269 |
| Pinnacle Bank | 209 | 359 |
| Guaranteed Rate, Inc. | 207 | 320 |
| Bank of America NA | 186 | 457 |
| Crosscountry Mortgage, LLC | 169 | 247 |
| Union Home Mortgage Corp. | 149 | 178 |
| Mortgage Research Center | 138 | 277 |
| Prosperity Home Mortgage, LLC | 134 | 162 |
| Freedom Mortgage Corporation | 130 | 324 |
| Allegacy Federal Credit Union | 129 | 220 |
| 21ST Mortgage | 119 | 481 |
| Navy Federal Credit Union | 118 | 259 |
| Pennymac Loan Services LLC | 113 | 235 |
| JPMorgan Chase Bank, NA | 112 | 178 |
| Fairway Independent Mort Corp | 108 | 146 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 93 | 33.9% of 65 decided |
| Asian | 1,198 | 22.9% of 918 decided |
| Black or African American | 5,019 | 36.7% of 3,963 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 10,075 | 20.3% of 8,315 decided |
| 2 or more minority races | 100 | 41.0% of 83 decided |
| Joint | 341 | 17.8% of 275 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,830 | 27.7% of 2,821 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,611 | 30.3% of 1,312 decided |
| Not Hispanic or Latino | 15,178 | 24.9% of 12,282 decided |
| Joint | 323 | 23.2% of 263 decided |
| Ethnicity Not Available | 3,573 | 28.1% of 2,612 decided |
| Free Form Text Only | 11 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 6,965 | 26.9% of 5,444 decided |
| Female | 5,891 | 31.0% of 4,746 decided |
| Joint | 5,673 | 19.0% of 4,698 decided |
| Sex Not Available | 2,167 | 26.8% of 1,587 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. 1034 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