Mortgage lending in Northampton County, North Carolina
Lenders in Northampton County, North Carolina reported 531 mortgage applications for 2025, according to the CFPB.
531 mortgage applications and 229 loans originated in 2025; the denial rate was 37.4% of 401 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Northampton County, NC.
- 531
- Applications
- 229
- Loans originated
- 37.4%
- Denial rate
- 150 denied of 401 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 531 | 229 |
| 2024 | 479 | 199 |
| 2023 | 487 | 200 |
| 2022 | 622 | 270 |
| 2021 | 822 | 399 |
| 2020 | 697 | 363 |
| 2019 | 460 | 241 |
| 2018 | 521 | 254 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 52 | 111 |
| Rocket Mortgage | 18 | 23 |
| Southern Bank and Trust Company | 16 | 23 |
| Atlantic Bay Mortgage Group | 11 | 15 |
| Truist Bank | 11 | 21 |
| Crosscountry Mortgage, LLC | 7 | 12 |
| Mortgage Research Center | 6 | 13 |
| PNC Bank N.A. | 5 | 11 |
| Navy Federal Credit Union | 4 | 9 |
| Pinnacle Bank | 4 | 4 |
| Movement Mortgage, LLC | 4 | 4 |
| Bank of America NA | 4 | 5 |
| Vanderbilt Mortgage and Finance, Inc | 3 | 49 |
| Primis Bank | 3 | 4 |
| loanDepot.com LLC | 3 | 7 |
| Benchmark Community Bank | 3 | 5 |
| First Bank and Trust Company | 3 | 3 |
| Pennymac Loan Services LLC | 3 | 4 |
| Capital Center LLC | 2 | 3 |
| Paramount Residential Mortgage | 2 | 3 |
| Gold Star Mortgage Financial Group, Corporation | 2 | 2 |
| Intercoastal Mortgage, LLC | 2 | 4 |
| North State Bank | 2 | 2 |
| Nationstar Mortgage | 2 | 4 |
| Freedom Mortgage Corporation | 2 | 6 |
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 | 196 | 57.6% of 139 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 250 | 23.4% of 205 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 68 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 427 | 37.3% of 338 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 85 | 36.5% of 52 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 181 | 37.3% of 142 decided |
| Female | 164 | 47.7% of 109 decided |
| Joint | 157 | 30.1% of 133 decided |
| Sex Not Available | 29 | 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. 2228 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