Mortgage lending in Madison County, North Carolina
Lenders in Madison County, North Carolina reported 818 mortgage applications for 2025, according to the CFPB.
818 mortgage applications and 405 loans originated in 2025; the denial rate was 31.8% of 625 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: Asheville, NC MSA.
- 818
- Applications
- 405
- Loans originated
- 31.8%
- Denial rate
- 199 denied of 625 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 818 | 405 |
| 2024 | 768 | 393 |
| 2023 | 774 | 404 |
| 2022 | 1,095 | 601 |
| 2021 | 1,420 | 811 |
| 2020 | 1,344 | 799 |
| 2019 | 863 | 488 |
| 2018 | 806 | 449 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 54 | 111 |
| Rocket Mortgage | 22 | 34 |
| United Wholesale Mortgage | 19 | 30 |
| HomeTrust Bank | 18 | 28 |
| First Bank | 14 | 24 |
| United Federal Credit Union | 14 | 20 |
| First Ciitizens Bank and Trust | 14 | 26 |
| Movement Mortgage, LLC | 13 | 21 |
| Vanderbilt Mortgage and Finance, Inc | 12 | 65 |
| Telco Community Credit Union | 10 | 10 |
| Atlantic Bay Mortgage Group | 10 | 14 |
| Howard Hanna Financial Services, Inc | 8 | 8 |
| American Financial Resources LLC | 8 | 10 |
| Union Home Mortgage Corp. | 7 | 8 |
| Pennymac Loan Services LLC | 7 | 8 |
| United Community Bank | 7 | 11 |
| T2 Financial LLC | 6 | 7 |
| Freedom Mortgage Corporation | 6 | 9 |
| ALCOVA Mortgage, LLC | 6 | 7 |
| PNC Bank N.A. | 6 | 10 |
| Truist Bank | 6 | 26 |
| Champion Credit Union | 5 | 5 |
| Guaranteed Rate, Inc. | 5 | 10 |
| Figure Lending LLC | 4 | 7 |
| The Park National Bank | 4 | 4 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 689 | 32.1% of 524 decided |
| 2 or more minority races | under 10 | |
| Joint | 12 | no rate: base under 50 |
| Race Not Available | 99 | 34.2% of 79 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 16 | no rate: base under 50 |
| Not Hispanic or Latino | 677 | 31.4% of 510 decided |
| Joint | 10 | no rate: base under 50 |
| Ethnicity Not Available | 115 | 34.8% of 89 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 288 | 34.3% of 213 decided |
| Female | 170 | 36.6% of 131 decided |
| Joint | 304 | 25.9% of 236 decided |
| Sex Not Available | 56 | no rate: base under 50 |
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. 488 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