Mortgage lending in Halifax County, North Carolina
Lenders in Halifax County, North Carolina reported 1,311 mortgage applications for 2025, according to the CFPB.
1,311 mortgage applications and 540 loans originated in 2025; the denial rate was 39.5% of 951 applications decided. The median loan was about $150,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Halifax County, NC.
- 1,311
- Applications
- 540
- Loans originated
- 39.5%
- Denial rate
- 376 denied of 951 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,311 | 540 |
| 2024 | 1,273 | 532 |
| 2023 | 1,273 | 527 |
| 2022 | 1,513 | 685 |
| 2021 | 1,871 | 895 |
| 2020 | 1,605 | 725 |
| 2019 | 1,129 | 531 |
| 2018 | 1,072 | 507 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 86 | 214 |
| Atlantic Bay Mortgage Group | 58 | 75 |
| Rocket Mortgage | 31 | 47 |
| Truist Bank | 26 | 66 |
| First Ciitizens Bank and Trust | 25 | 36 |
| Southern Bank and Trust Company | 23 | 25 |
| Vanderbilt Mortgage and Finance, Inc | 17 | 179 |
| United Wholesale Mortgage | 16 | 25 |
| Mortgage Research Center | 14 | 32 |
| Guaranteed Rate, Inc. | 9 | 11 |
| PNC Bank N.A. | 9 | 29 |
| Navy Federal Credit Union | 7 | 17 |
| Freedom Mortgage Corporation | 7 | 12 |
| Coastal Federal Credit Union | 7 | 13 |
| Crosscountry Mortgage, LLC | 7 | 14 |
| Intercoastal Mortgage, LLC | 6 | 8 |
| Newrez LLC | 6 | 20 |
| Royal United Mortgage LLC | 6 | 7 |
| Coastal Community Bank | 5 | 10 |
| Nationstar Mortgage | 5 | 7 |
| Paramount Residential Mortgage | 4 | 5 |
| loanDepot.com LLC | 4 | 15 |
| New American Funding, LLC. | 4 | 19 |
| Calcon Mutual Mortgage LLC | 4 | 4 |
| Civic FCU | 4 | 10 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 38 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 443 | 58.4% of 305 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 596 | 25.2% of 461 decided |
| 2 or more minority races | under 10 | |
| Joint | 14 | no rate: base under 50 |
| Race Not Available | 200 | 42.1% of 133 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 39 | no rate: base under 50 |
| Not Hispanic or Latino | 1,029 | 37.7% of 756 decided |
| Joint | 13 | no rate: base under 50 |
| Ethnicity Not Available | 230 | 49.7% of 153 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 497 | 34.5% of 362 decided |
| Female | 405 | 51.0% of 298 decided |
| Joint | 295 | 30.7% of 212 decided |
| Sex Not Available | 114 | 43.0% of 79 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. 1907 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