Mortgage lending in Harnett County, North Carolina
Lenders in Harnett County, North Carolina reported 9,267 mortgage applications for 2025, according to the CFPB.
9,267 mortgage applications and 5,532 loans originated in 2025; the denial rate was 19.4% of 7,271 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: Harnett County, NC.
- 9,267
- Applications
- 5,532
- Loans originated
- 19.4%
- Denial rate
- 1,409 denied of 7,271 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,267 | 5,532 |
| 2024 | 8,251 | 4,900 |
| 2023 | 7,160 | 4,240 |
| 2022 | 8,794 | 5,193 |
| 2021 | 11,983 | 7,640 |
| 2020 | 10,061 | 6,252 |
| 2019 | 6,464 | 3,963 |
| 2018 | 5,501 | 3,321 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 411 | 737 |
| United Wholesale Mortgage | 352 | 485 |
| Rocket Mortgage | 270 | 373 |
| Freedom Mortgage Corporation | 223 | 429 |
| Mortgage Research Center | 207 | 426 |
| Movement Mortgage, LLC | 183 | 264 |
| DHI Mortgage Company, LTD. | 179 | 261 |
| Navy Federal Credit Union | 170 | 307 |
| NFM, Inc | 163 | 193 |
| loanDepot.com LLC | 142 | 207 |
| Crosscountry Mortgage, LLC | 128 | 193 |
| Truist Bank | 113 | 196 |
| Jet HomeLoans, LP | 99 | 113 |
| TowneBank | 91 | 105 |
| Pennymac Loan Services LLC | 87 | 190 |
| KBHS Home Loans, LLC | 84 | 136 |
| First Ciitizens Bank and Trust | 73 | 111 |
| NVR Mortgage Finance, Inc. | 69 | 93 |
| Coastal Federal Credit Union | 66 | 114 |
| Vanderbilt Mortgage and Finance, Inc | 64 | 278 |
| Mattamy Home Funding LLC | 64 | 69 |
| Cornerstone Capital Bank, SSB | 58 | 62 |
| Lennar Mortgage, LLC | 52 | 75 |
| Union Home Mortgage Corp. | 52 | 60 |
| Guild Mortgage Company | 51 | 81 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 60 | no rate: base under 50 |
| Asian | 330 | 10.9% of 267 decided |
| Black or African American | 1,556 | 30.9% of 1,184 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 5,314 | 16.0% of 4,266 decided |
| 2 or more minority races | 34 | no rate: base under 50 |
| Joint | 259 | 15.1% of 205 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,683 | 21.8% of 1,252 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 996 | 19.9% of 773 decided |
| Not Hispanic or Latino | 6,502 | 19.0% of 5,170 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,513 | 22.7% of 1,126 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,602 | 19.0% of 2,811 decided |
| Female | 1,952 | 26.1% of 1,553 decided |
| Joint | 2,939 | 14.2% of 2,336 decided |
| Sex Not Available | 774 | 23.8% of 571 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. 428 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