Mortgage lending in Polk County, North Carolina
Lenders in Polk County, North Carolina reported 916 mortgage applications for 2025, according to the CFPB.
916 mortgage applications and 492 loans originated in 2025; the denial rate was 25.0% of 701 applications decided. The median loan was about $240,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Polk County, NC.
- 916
- Applications
- 492
- Loans originated
- 25.0%
- Denial rate
- 175 denied of 701 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 916 | 492 |
| 2024 | 755 | 402 |
| 2023 | 771 | 417 |
| 2022 | 1,064 | 608 |
| 2021 | 1,605 | 1,012 |
| 2020 | 1,538 | 923 |
| 2019 | 1,071 | 616 |
| 2018 | 919 | 542 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| HomeTrust Bank | 58 | 82 |
| First Ciitizens Bank and Trust | 44 | 63 |
| Rocket Mortgage | 40 | 59 |
| State Employees' Credit Union | 40 | 84 |
| United Federal Credit Union | 17 | 23 |
| Movement Mortgage, LLC | 13 | 24 |
| Pennymac Loan Services LLC | 12 | 22 |
| United Community Bank | 11 | 18 |
| Vanderbilt Mortgage and Finance, Inc | 9 | 47 |
| United Wholesale Mortgage | 9 | 18 |
| Highlands Residential Mortgage, Ltd. | 9 | 11 |
| Atlantic Bay Mortgage Group | 8 | 13 |
| Truist Bank | 8 | 16 |
| Fairway Independent Mort Corp | 7 | 11 |
| Howard Hanna Financial Services, Inc | 6 | 9 |
| Navy Federal Credit Union | 6 | 12 |
| Mutual of Omaha Mortgage | 6 | 11 |
| Bank of America NA | 6 | 19 |
| loanDepot.com LLC | 5 | 12 |
| Freedom Mortgage Corporation | 5 | 12 |
| Goprime Mortgage, Inc. | 5 | 6 |
| Spring Eq, LLC | 5 | 14 |
| American Security Mortgage Cor | 4 | 6 |
| Newrez LLC | 4 | 7 |
| CMG Mortgage Inc | 4 | 5 |
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 | 32 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 735 | 23.1% of 576 decided |
| 2 or more minority races | under 10 | |
| Joint | 15 | no rate: base under 50 |
| Race Not Available | 126 | 30.7% of 88 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 27 | no rate: base under 50 |
| Not Hispanic or Latino | 735 | 24.1% of 577 decided |
| Joint | 15 | no rate: base under 50 |
| Ethnicity Not Available | 139 | 34.8% of 92 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 300 | 28.6% of 217 decided |
| Female | 189 | 26.6% of 154 decided |
| Joint | 353 | 19.3% of 274 decided |
| Sex Not Available | 74 | 33.9% of 56 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. 652 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