Mortgage lending in Jackson County, North Carolina
Lenders in Jackson County, North Carolina reported 1,564 mortgage applications for 2025, according to the CFPB.
1,564 mortgage applications and 851 loans originated in 2025; the denial rate was 24.8% of 1,205 applications decided. The median loan was about $285,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Jackson County, NC.
- 1,564
- Applications
- 851
- Loans originated
- 24.8%
- Denial rate
- 299 denied of 1,205 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,564 | 851 |
| 2024 | 1,265 | 685 |
| 2023 | 1,260 | 722 |
| 2022 | 2,051 | 1,183 |
| 2021 | 3,078 | 1,881 |
| 2020 | 2,710 | 1,648 |
| 2019 | 1,891 | 1,114 |
| 2018 | 1,634 | 913 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 123 | 219 |
| Rocket Mortgage | 64 | 89 |
| United Community Bank | 56 | 103 |
| First Ciitizens Bank and Trust | 37 | 60 |
| United Wholesale Mortgage | 20 | 26 |
| Union Home Mortgage Corp. | 20 | 21 |
| Bank of America NA | 20 | 35 |
| Vanderbilt Mortgage and Finance, Inc | 14 | 80 |
| First Community Mortgage, Inc. | 14 | 18 |
| Truist Bank | 14 | 29 |
| Crosscountry Mortgage, LLC | 13 | 19 |
| loanDepot.com LLC | 11 | 22 |
| HomeTrust Bank | 11 | 14 |
| Plaza Home Mortgage, Inc | 11 | 18 |
| Champion Credit Union | 10 | 14 |
| The Loan Store, Inc | 10 | 14 |
| Mortgage Research Center | 10 | 27 |
| Navy Federal Credit Union | 9 | 18 |
| Morgan Stanley Private Bank NA | 9 | 12 |
| Newrez LLC | 8 | 17 |
| Ameris Bank | 8 | 11 |
| Howard Hanna Financial Services, Inc | 7 | 9 |
| Freedom Mortgage Corporation | 7 | 12 |
| Atlantic Bay Mortgage Group | 7 | 8 |
| Cardinal Financial Company, Li | 7 | 8 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 47 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 11 | no rate: base under 50 |
| White | 1,242 | 24.1% of 966 decided |
| 2 or more minority races | under 10 | |
| Joint | 31 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 222 | 26.6% of 158 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 34 | no rate: base under 50 |
| Not Hispanic or Latino | 1,262 | 23.4% of 988 decided |
| Joint | 35 | no rate: base under 50 |
| Ethnicity Not Available | 233 | 29.9% of 164 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 486 | 24.4% of 361 decided |
| Female | 322 | 34.0% of 247 decided |
| Joint | 616 | 20.3% of 498 decided |
| Sex Not Available | 140 | 26.3% of 99 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. 361 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