Mortgage lending in Henderson County, North Carolina
Lenders in Henderson County, North Carolina reported 5,282 mortgage applications for 2025, according to the CFPB.
5,282 mortgage applications and 3,103 loans originated in 2025; the denial rate was 21.9% of 4,213 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: Asheville, NC MSA.
- 5,282
- Applications
- 3,103
- Loans originated
- 21.9%
- Denial rate
- 921 denied of 4,213 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,282 | 3,103 |
| 2024 | 4,646 | 2,626 |
| 2023 | 4,608 | 2,656 |
| 2022 | 6,287 | 3,820 |
| 2021 | 10,203 | 6,628 |
| 2020 | 9,685 | 6,261 |
| 2019 | 6,646 | 4,228 |
| 2018 | 5,949 | 3,741 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 331 | 531 |
| Rocket Mortgage | 238 | 314 |
| DHI Mortgage Company, LTD. | 202 | 270 |
| First Ciitizens Bank and Trust | 163 | 239 |
| United Community Bank | 148 | 208 |
| United Federal Credit Union | 142 | 221 |
| Movement Mortgage, LLC | 139 | 196 |
| United Wholesale Mortgage | 114 | 169 |
| HomeTrust Bank | 94 | 135 |
| Atlantic Bay Mortgage Group | 94 | 117 |
| Howard Hanna Financial Services, Inc | 74 | 97 |
| Bank of America NA | 64 | 120 |
| Goprime Mortgage, Inc. | 51 | 65 |
| Truist Bank | 47 | 85 |
| First Bank | 38 | 47 |
| Highlands Residential Mortgage, Ltd. | 35 | 59 |
| Vanderbilt Mortgage and Finance, Inc | 34 | 255 |
| Navy Federal Credit Union | 31 | 60 |
| Fairway Independent Mort Corp | 27 | 33 |
| Guaranteed Rate, Inc. | 27 | 59 |
| Mortgage Research Center | 26 | 64 |
| Crosscountry Mortgage, LLC | 26 | 37 |
| PNC Bank N.A. | 26 | 40 |
| loanDepot.com LLC | 25 | 40 |
| Wells Fargo Bank NA | 25 | 51 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 26 | no rate: base under 50 |
| Asian | 75 | 25.0% of 56 decided |
| Black or African American | 89 | 34.4% of 61 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,278 | 20.2% of 3,470 decided |
| 2 or more minority races | under 10 | |
| Joint | 104 | 20.0% of 85 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 700 | 29.5% of 511 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 308 | 37.8% of 230 decided |
| Not Hispanic or Latino | 4,188 | 20.4% of 3,392 decided |
| Joint | withheld | |
| Ethnicity Not Available | 657 | 24.1% of 489 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,475 | 24.1% of 1,166 decided |
| Female | 1,214 | 27.4% of 947 decided |
| Joint | 2,232 | 16.8% of 1,841 decided |
| Sex Not Available | 361 | 27.8% of 259 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. 429 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