Mortgage lending in Johnston County, North Carolina
Lenders in Johnston County, North Carolina reported 13,161 mortgage applications for 2025, according to the CFPB.
13,161 mortgage applications and 7,995 loans originated in 2025; the denial rate was 20.2% of 10,587 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: Raleigh-Cary, NC MSA.
- 13,161
- Applications
- 7,995
- Loans originated
- 20.2%
- Denial rate
- 2,135 denied of 10,587 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 13,161 | 7,995 |
| 2024 | 12,174 | 7,563 |
| 2023 | 11,639 | 7,156 |
| 2022 | 16,003 | 9,962 |
| 2021 | 22,734 | 15,194 |
| 2020 | 19,867 | 13,105 |
| 2019 | 13,447 | 8,808 |
| 2018 | 10,766 | 7,016 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 1,048 | 1,744 |
| Rocket Mortgage | 476 | 637 |
| United Wholesale Mortgage | 385 | 514 |
| Lennar Mortgage, LLC | 255 | 312 |
| Coastal Federal Credit Union | 246 | 412 |
| Fairway Independent Mort Corp | 240 | 289 |
| Movement Mortgage, LLC | 229 | 335 |
| First Ciitizens Bank and Trust | 227 | 323 |
| Freedom Mortgage Corporation | 169 | 357 |
| Vanderbilt Mortgage and Finance, Inc | 162 | 347 |
| Truist Bank | 151 | 289 |
| Navy Federal Credit Union | 149 | 296 |
| Velocio Mortgage, L.L.C. | 130 | 160 |
| Crosscountry Mortgage, LLC | 121 | 180 |
| loanDepot.com LLC | 120 | 200 |
| PNC Bank N.A. | 113 | 187 |
| American Security Mortgage Cor | 111 | 146 |
| Mortgage Research Center | 107 | 234 |
| Pennymac Loan Services LLC | 106 | 233 |
| United Community Bank | 103 | 138 |
| DHI Mortgage Company, LTD. | 89 | 139 |
| TowneBank | 88 | 110 |
| Cornerstone Capital Bank, SSB | 80 | 89 |
| First National Bank of PA | 74 | 102 |
| Bank of America NA | 72 | 159 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 93 | 35.1% of 77 decided |
| Asian | 480 | 12.4% of 395 decided |
| Black or African American | 1,950 | 31.4% of 1,530 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 7,949 | 17.4% of 6,512 decided |
| 2 or more minority races | 41 | no rate: base under 50 |
| Joint | 291 | 11.8% of 237 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,325 | 22.8% of 1,783 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,439 | 24.0% of 1,147 decided |
| Not Hispanic or Latino | 9,395 | 19.4% of 7,621 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,005 | 22.8% of 1,558 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,458 | 22.2% of 3,557 decided |
| Female | 3,062 | 24.5% of 2,444 decided |
| Joint | 4,517 | 14.7% of 3,735 decided |
| Sex Not Available | 1,124 | 23.3% of 851 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. 487 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