Mortgage lending in Iredell County, North Carolina
Lenders in Iredell County, North Carolina reported 10,560 mortgage applications for 2025, according to the CFPB.
10,560 mortgage applications and 6,305 loans originated in 2025; the denial rate was 21.1% of 8,439 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Iredell County, NC HUD Metro FMR Area.
- 10,560
- Applications
- 6,305
- Loans originated
- 21.1%
- Denial rate
- 1,782 denied of 8,439 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,560 | 6,305 |
| 2024 | 10,028 | 6,082 |
| 2023 | 9,327 | 5,575 |
| 2022 | 11,835 | 7,164 |
| 2021 | 18,260 | 11,929 |
| 2020 | 16,736 | 10,887 |
| 2019 | 11,045 | 6,901 |
| 2018 | 9,409 | 5,794 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 477 | 781 |
| Rocket Mortgage | 451 | 604 |
| Movement Mortgage, LLC | 341 | 454 |
| United Wholesale Mortgage | 321 | 447 |
| DHI Mortgage Company, LTD. | 261 | 351 |
| Bank of America NA | 185 | 330 |
| loanDepot.com LLC | 151 | 248 |
| Truist Bank | 144 | 277 |
| Atlantic Bay Mortgage Group | 137 | 195 |
| Lennar Mortgage, LLC | 122 | 162 |
| Fifth Third Bank, National Association | 121 | 197 |
| Crosscountry Mortgage, LLC | 105 | 165 |
| First Ciitizens Bank and Trust | 100 | 149 |
| Taylor Morrison Home Funding, Inc. | 93 | 112 |
| Fairway Independent Mort Corp | 91 | 122 |
| First National Bank of PA | 84 | 153 |
| Freedom Mortgage Corporation | 76 | 174 |
| American Security Mortgage Cor | 67 | 84 |
| Pennymac Loan Services LLC | 67 | 132 |
| United Community Bank | 67 | 100 |
| Navy Federal Credit Union | 66 | 120 |
| Mutual of Omaha Mortgage | 62 | 92 |
| United Federal Credit Union | 60 | 107 |
| Wells Fargo Bank NA | 60 | 97 |
| PNC Bank N.A. | 59 | 106 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 43 | no rate: base under 50 |
| Asian | 373 | 17.0% of 311 decided |
| Black or African American | 877 | 32.0% of 697 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 7,361 | 19.3% of 5,979 decided |
| 2 or more minority races | 29 | no rate: base under 50 |
| Joint | 175 | 19.3% of 135 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,691 | 24.7% of 1,256 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 740 | 28.3% of 611 decided |
| Not Hispanic or Latino | 7,905 | 20.0% of 6,393 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,701 | 24.1% of 1,263 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,800 | 22.4% of 3,013 decided |
| Female | 2,196 | 26.4% of 1,778 decided |
| Joint | 3,661 | 15.4% of 2,996 decided |
| Sex Not Available | 903 | 27.0% of 652 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. 486 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