Mortgage lending in Montgomery County, North Carolina
Lenders in Montgomery County, North Carolina reported 1,024 mortgage applications for 2025, according to the CFPB.
1,024 mortgage applications and 538 loans originated in 2025; the denial rate was 27.8% of 796 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Montgomery County, NC.
- 1,024
- Applications
- 538
- Loans originated
- 27.8%
- Denial rate
- 221 denied of 796 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,024 | 538 |
| 2024 | 964 | 503 |
| 2023 | 878 | 465 |
| 2022 | 1,105 | 631 |
| 2021 | 1,538 | 952 |
| 2020 | 1,186 | 771 |
| 2019 | 965 | 581 |
| 2018 | 820 | 452 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 141 | 234 |
| Uwharrie Bank | 30 | 34 |
| Movement Mortgage, LLC | 29 | 35 |
| Rocket Mortgage | 25 | 41 |
| The Fidelity Bank | 24 | 40 |
| United Wholesale Mortgage | 23 | 41 |
| First Bank | 16 | 30 |
| Truliant Federal Credit Union | 15 | 43 |
| Truist Bank | 13 | 24 |
| Freedom Mortgage Corporation | 11 | 15 |
| Vanderbilt Mortgage and Finance, Inc | 10 | 76 |
| Pinnacle Bank | 10 | 15 |
| Atlantic Bay Mortgage Group | 10 | 18 |
| First Ciitizens Bank and Trust | 10 | 11 |
| 21ST Mortgage | 6 | 22 |
| US Bank, N.A. | 6 | 9 |
| Mortgage Research Center | 5 | 12 |
| Guaranteed Rate, Inc. | 5 | 6 |
| First National Bank of PA | 5 | 5 |
| Fairway Independent Mort Corp | 4 | 6 |
| Calcon Mutual Mortgage LLC | 4 | 6 |
| Crosscountry Mortgage, LLC | 4 | 12 |
| Bank of America NA | 4 | 9 |
| The Loan Store, Inc | 3 | 3 |
| HomeBridge Financial Services, Inc | 3 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 11 | no rate: base under 50 |
| Black or African American | 90 | 37.5% of 72 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 758 | 26.8% of 597 decided |
| Joint | 15 | no rate: base under 50 |
| Race Not Available | 140 | 23.0% of 100 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 83 | 40.9% of 66 decided |
| Not Hispanic or Latino | 794 | 28.0% of 621 decided |
| Joint | 10 | no rate: base under 50 |
| Ethnicity Not Available | 137 | 20.2% of 99 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 357 | 29.7% of 276 decided |
| Female | 201 | 40.1% of 152 decided |
| Joint | 395 | 21.8% of 317 decided |
| Sex Not Available | 71 | 17.6% of 51 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. 1038 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