Mortgage lending in Mecklenburg County, North Carolina
Lenders in Mecklenburg County, North Carolina reported 49,191 mortgage applications for 2025, according to the CFPB.
49,191 mortgage applications and 29,331 loans originated in 2025; the denial rate was 21.2% of 39,315 applications decided. The median loan was about $315,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area.
- 49,191
- Applications
- 29,331
- Loans originated
- 21.2%
- Denial rate
- 8,354 denied of 39,315 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 49,191 | 29,331 |
| 2024 | 46,464 | 27,658 |
| 2023 | 44,670 | 26,429 |
| 2022 | 62,669 | 38,141 |
| 2021 | 101,386 | 66,954 |
| 2020 | 101,238 | 65,798 |
| 2019 | 67,875 | 42,388 |
| 2018 | 56,154 | 34,002 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 2,065 | 2,737 |
| United Wholesale Mortgage | 1,646 | 2,241 |
| Bank of America NA | 1,418 | 2,582 |
| State Employees' Credit Union | 1,165 | 2,192 |
| First National Bank of PA | 1,117 | 1,382 |
| Movement Mortgage, LLC | 924 | 1,279 |
| American Security Mortgage Cor | 804 | 1,054 |
| Truist Bank | 794 | 1,409 |
| Atlantic Bay Mortgage Group | 760 | 968 |
| First Ciitizens Bank and Trust | 618 | 882 |
| JPMorgan Chase Bank, NA | 591 | 806 |
| Truliant Federal Credit Union | 503 | 1,290 |
| Wells Fargo Bank NA | 481 | 774 |
| Fifth Third Bank, National Association | 469 | 939 |
| loanDepot.com LLC | 453 | 758 |
| Pennymac Loan Services LLC | 427 | 763 |
| Skyla Federal Credit Union | 358 | 723 |
| Crosscountry Mortgage, LLC | 356 | 527 |
| PNC Bank N.A. | 310 | 533 |
| Freedom Mortgage Corporation | 300 | 644 |
| Southstate Bank, National Association | 292 | 412 |
| Navy Federal Credit Union | 287 | 656 |
| NVR Mortgage Finance, Inc. | 281 | 420 |
| Pulte Mortgage LLC | 279 | 349 |
| Newrez LLC | 239 | 687 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 198 | 25.5% of 153 decided |
| Asian | 4,039 | 16.3% of 3,197 decided |
| Black or African American | 9,525 | 33.9% of 7,597 decided |
| Native Hawaiian or Other Pacific Islander | 99 | 41.8% of 79 decided |
| White | 24,254 | 16.1% of 19,904 decided |
| 2 or more minority races | 169 | 37.3% of 126 decided |
| Joint | 919 | 13.1% of 757 decided |
| Free Form Text Only | 22 | no rate: base under 50 |
| Race Not Available | 9,966 | 24.6% of 7,488 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 4,327 | 26.2% of 3,491 decided |
| Not Hispanic or Latino | 34,792 | 20.0% of 28,231 decided |
| Joint | 1,004 | 16.8% of 815 decided |
| Ethnicity Not Available | 9,050 | 24.3% of 6,765 decided |
| Free Form Text Only | 18 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 17,455 | 22.6% of 13,916 decided |
| Female | 12,347 | 25.1% of 9,924 decided |
| Joint | 13,954 | 14.9% of 11,547 decided |
| Sex Not Available | 5,435 | 25.5% of 3,928 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. 232 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