Mortgage lending in Randolph County, North Carolina
Lenders in Randolph County, North Carolina reported 5,679 mortgage applications for 2025, according to the CFPB.
5,679 mortgage applications and 3,200 loans originated in 2025; the denial rate was 26.5% of 4,605 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Greensboro-High Point, NC HUD Metro FMR Area.
- 5,679
- Applications
- 3,200
- Loans originated
- 26.5%
- Denial rate
- 1,220 denied of 4,605 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,679 | 3,200 |
| 2024 | 5,323 | 2,968 |
| 2023 | 5,283 | 2,883 |
| 2022 | 6,320 | 3,649 |
| 2021 | 8,521 | 5,365 |
| 2020 | 7,425 | 4,582 |
| 2019 | 5,459 | 3,335 |
| 2018 | 4,570 | 2,751 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 429 | 739 |
| Truliant Federal Credit Union | 284 | 584 |
| Rocket Mortgage | 242 | 324 |
| Atlantic Bay Mortgage Group | 224 | 287 |
| Truist Bank | 100 | 152 |
| United Wholesale Mortgage | 97 | 133 |
| DHI Mortgage Company, LTD. | 79 | 132 |
| Crosscountry Mortgage, LLC | 76 | 116 |
| Pinnacle Bank | 68 | 98 |
| Wolfe Financial Inc | 65 | 83 |
| Movement Mortgage, LLC | 60 | 86 |
| The Fidelity Bank | 51 | 69 |
| ALCOVA Mortgage, LLC | 49 | 58 |
| Freedom Mortgage Corporation | 48 | 107 |
| Mortgage Research Center | 45 | 92 |
| First Bank | 44 | 55 |
| Pennymac Loan Services LLC | 39 | 62 |
| Vanderbilt Mortgage and Finance, Inc | 38 | 306 |
| loanDepot.com LLC | 33 | 58 |
| Fairway Independent Mort Corp | 32 | 41 |
| Union Home Mortgage Corp. | 32 | 39 |
| Ameris Bank | 29 | 36 |
| Navy Federal Credit Union | 27 | 42 |
| PNC Bank N.A. | 27 | 69 |
| First National Bank of PA | 27 | 41 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 51 | no rate: base under 50 |
| Asian | 152 | 22.0% of 118 decided |
| Black or African American | 319 | 46.4% of 252 decided |
| Native Hawaiian or Other Pacific Islander | 11 | no rate: base under 50 |
| White | 4,254 | 25.1% of 3,488 decided |
| 2 or more minority races | under 10 | |
| Joint | 71 | 31.0% of 58 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 810 | 25.6% of 634 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 579 | 35.6% of 469 decided |
| Not Hispanic or Latino | 4,273 | 25.1% of 3,503 decided |
| Joint | withheld | |
| Ethnicity Not Available | 740 | 27.0% of 567 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,020 | 28.2% of 1,621 decided |
| Female | 1,311 | 30.6% of 1,071 decided |
| Joint | 1,925 | 21.9% of 1,597 decided |
| Sex Not Available | 423 | 26.9% of 316 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. 1292 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