Mortgage lending in Orange County, North Carolina
Lenders in Orange County, North Carolina reported 4,615 mortgage applications for 2025, according to the CFPB.
4,615 mortgage applications and 2,897 loans originated in 2025; the denial rate was 18.4% of 3,748 applications decided. The median loan was about $295,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Durham-Chapel Hill, NC HUD Metro FMR Area.
- 4,615
- Applications
- 2,897
- Loans originated
- 18.4%
- Denial rate
- 690 denied of 3,748 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,615 | 2,897 |
| 2024 | 4,003 | 2,410 |
| 2023 | 3,991 | 2,523 |
| 2022 | 6,060 | 3,931 |
| 2021 | 10,137 | 7,123 |
| 2020 | 9,433 | 6,511 |
| 2019 | 6,323 | 4,289 |
| 2018 | 5,432 | 3,580 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 620 | 918 |
| Rocket Mortgage | 153 | 200 |
| Truist Bank | 127 | 221 |
| Corporate Investors Mortgage G | 124 | 132 |
| First National Bank of PA | 101 | 113 |
| First Ciitizens Bank and Trust | 100 | 152 |
| United Wholesale Mortgage | 93 | 114 |
| Coastal Federal Credit Union | 91 | 138 |
| Bank of America NA | 72 | 146 |
| loanDepot.com LLC | 70 | 89 |
| Movement Mortgage, LLC | 65 | 87 |
| Union Home Mortgage Corp. | 49 | 59 |
| Crosscountry Mortgage, LLC | 39 | 55 |
| Wells Fargo Bank NA | 34 | 49 |
| Fifth Third Bank, National Association | 30 | 54 |
| Navy Federal Credit Union | 28 | 49 |
| JPMorgan Chase Bank, NA | 28 | 44 |
| Prosperity Home Mortgage, LLC | 27 | 36 |
| Truliant Federal Credit Union | 26 | 52 |
| PNC Bank N.A. | 26 | 52 |
| Pennymac Loan Services LLC | 26 | 52 |
| First Bank | 25 | 25 |
| First Horizon Bank | 23 | 34 |
| The Fidelity Bank | 20 | 29 |
| Freedom Mortgage Corporation | 20 | 42 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 28 | no rate: base under 50 |
| Asian | 300 | 16.6% of 241 decided |
| Black or African American | 366 | 36.6% of 281 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,063 | 16.2% of 2,549 decided |
| 2 or more minority races | 14 | no rate: base under 50 |
| Joint | 137 | 11.2% of 116 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 703 | 19.3% of 529 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 261 | 28.1% of 196 decided |
| Not Hispanic or Latino | 3,607 | 17.7% of 2,977 decided |
| Joint | withheld | |
| Ethnicity Not Available | 651 | 19.4% of 490 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,288 | 20.7% of 1,031 decided |
| Female | 1,140 | 23.4% of 922 decided |
| Joint | 1,780 | 13.6% of 1,493 decided |
| Sex Not Available | 407 | 19.2% of 302 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. 318 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