Mortgage lending in Macon County, North Carolina
Lenders in Macon County, North Carolina reported 1,744 mortgage applications for 2025, according to the CFPB.
1,744 mortgage applications and 998 loans originated in 2025; the denial rate was 23.1% of 1,366 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Macon County, NC.
- 1,744
- Applications
- 998
- Loans originated
- 23.1%
- Denial rate
- 315 denied of 1,366 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,744 | 998 |
| 2024 | 1,464 | 832 |
| 2023 | 1,490 | 833 |
| 2022 | 2,172 | 1,313 |
| 2021 | 3,170 | 1,992 |
| 2020 | 2,921 | 1,777 |
| 2019 | 1,911 | 1,182 |
| 2018 | 1,733 | 1,050 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Union Home Mortgage Corp. | 124 | 153 |
| Rocket Mortgage | 119 | 155 |
| State Employees' Credit Union | 115 | 202 |
| First Ciitizens Bank and Trust | 48 | 71 |
| United Wholesale Mortgage | 39 | 59 |
| United Community Bank | 39 | 65 |
| Pennymac Loan Services LLC | 16 | 25 |
| Mortgage Research Center | 15 | 37 |
| Plaza Home Mortgage, Inc | 14 | 20 |
| PNC Bank N.A. | 14 | 35 |
| First Community Mortgage, Inc. | 13 | 16 |
| First Reliance Bank | 13 | 16 |
| Wells Fargo Bank NA | 13 | 25 |
| Newrez LLC | 12 | 26 |
| Renasant Bank | 11 | 13 |
| Freedom Mortgage Corporation | 11 | 29 |
| Navy Federal Credit Union | 10 | 24 |
| Mountain Credit Union | 10 | 17 |
| Bank of America NA | 10 | 22 |
| The Loan Store, Inc | 8 | 11 |
| Figure Lending LLC | 8 | 11 |
| Coastal Community Bank | 8 | 16 |
| Movement Mortgage, LLC | 8 | 10 |
| Nationstar Mortgage | 8 | 9 |
| Southstate Bank, National Association | 8 | 13 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 14 | no rate: base under 50 |
| Asian | 10 | no rate: base under 50 |
| Black or African American | 11 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,423 | 22.2% of 1,123 decided |
| 2 or more minority races | under 10 | |
| Joint | 17 | no rate: base under 50 |
| Race Not Available | 265 | 27.0% of 196 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 77 | 25.8% of 66 decided |
| Not Hispanic or Latino | 1,365 | 22.2% of 1,074 decided |
| Joint | withheld | |
| Ethnicity Not Available | 263 | 28.3% of 194 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 537 | 24.9% of 417 decided |
| Female | 366 | 26.7% of 292 decided |
| Joint | 673 | 18.4% of 527 decided |
| Sex Not Available | 168 | 27.7% of 130 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. 699 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