Mortgage lending in Lincoln County, North Carolina
Lenders in Lincoln County, North Carolina reported 4,898 mortgage applications for 2025, according to the CFPB.
4,898 mortgage applications and 2,926 loans originated in 2025; the denial rate was 21.7% of 3,938 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lincoln County, NC HUD Metro FMR Area.
- 4,898
- Applications
- 2,926
- Loans originated
- 21.7%
- Denial rate
- 855 denied of 3,938 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,898 | 2,926 |
| 2024 | 4,276 | 2,539 |
| 2023 | 4,159 | 2,559 |
| 2022 | 5,623 | 3,518 |
| 2021 | 8,440 | 5,559 |
| 2020 | 7,607 | 5,108 |
| 2019 | 4,905 | 3,188 |
| 2018 | 4,323 | 2,765 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 253 | 330 |
| State Employees' Credit Union | 216 | 356 |
| United Wholesale Mortgage | 147 | 189 |
| Movement Mortgage, LLC | 92 | 119 |
| Peoples Bank | 91 | 147 |
| DHI Mortgage Company, LTD. | 87 | 136 |
| First Federal Savings Bank of Lincolnton | 86 | 117 |
| Bank of America NA | 85 | 156 |
| Fifth Third Bank, National Association | 84 | 151 |
| Truist Bank | 80 | 129 |
| First Ciitizens Bank and Trust | 68 | 98 |
| Atlantic Bay Mortgage Group | 53 | 79 |
| Fairway Independent Mort Corp | 48 | 57 |
| Crosscountry Mortgage, LLC | 47 | 73 |
| Inspire Home Loans Inc. | 45 | 60 |
| Truliant Federal Credit Union | 42 | 83 |
| American Security Mortgage Cor | 39 | 47 |
| Pennymac Loan Services LLC | 36 | 66 |
| Guild Mortgage Company | 35 | 46 |
| Freedom Mortgage Corporation | 33 | 66 |
| Shea Mortgage Inc. | 31 | 36 |
| KBHS Home Loans, LLC | 31 | 53 |
| NVR Mortgage Finance, Inc. | 29 | 38 |
| Nationstar Mortgage | 28 | 41 |
| Navy Federal Credit Union | 27 | 68 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 16 | no rate: base under 50 |
| Asian | 56 | no rate: base under 50 |
| Black or African American | 232 | 32.4% of 176 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,786 | 20.6% of 3,088 decided |
| 2 or more minority races | under 10 | |
| Joint | 83 | 18.5% of 65 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 712 | 24.5% of 542 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 237 | 30.2% of 192 decided |
| Not Hispanic or Latino | 3,818 | 21.0% of 3,124 decided |
| Joint | 104 | 20.3% of 74 decided |
| Ethnicity Not Available | 739 | 23.2% of 548 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,613 | 25.1% of 1,279 decided |
| Female | 953 | 26.0% of 782 decided |
| Joint | 1,909 | 16.7% of 1,564 decided |
| Sex Not Available | 423 | 22.4% of 313 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. 561 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