Mortgage lending in Richmond County, North Carolina
Lenders in Richmond County, North Carolina reported 1,335 mortgage applications for 2025, according to the CFPB.
1,335 mortgage applications and 597 loans originated in 2025; the denial rate was 37.8% of 1,021 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Richmond County, NC.
- 1,335
- Applications
- 597
- Loans originated
- 37.8%
- Denial rate
- 386 denied of 1,021 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,335 | 597 |
| 2024 | 1,293 | 578 |
| 2023 | 1,353 | 557 |
| 2022 | 1,656 | 747 |
| 2021 | 1,824 | 918 |
| 2020 | 1,432 | 751 |
| 2019 | 1,199 | 602 |
| 2018 | 1,084 | 554 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 128 | 276 |
| Rocket Mortgage | 54 | 75 |
| Movement Mortgage, LLC | 33 | 42 |
| United Wholesale Mortgage | 22 | 33 |
| Truist Bank | 21 | 47 |
| The Fidelity Bank | 20 | 27 |
| Mortgage Research Center | 18 | 33 |
| First Bank | 17 | 23 |
| NFM, Inc | 17 | 19 |
| 21ST Mortgage | 17 | 106 |
| Union Home Mortgage Corp. | 15 | 21 |
| loanDepot.com LLC | 14 | 24 |
| Freedom Mortgage Corporation | 12 | 21 |
| Crosscountry Mortgage, LLC | 11 | 19 |
| PNC Bank N.A. | 11 | 33 |
| Vanderbilt Mortgage and Finance, Inc | 10 | 104 |
| New American Funding, LLC. | 7 | 18 |
| Pennymac Loan Services LLC | 7 | 18 |
| Triad Financial Services, Inc. | 6 | 15 |
| New Day Financial, LLC. | 6 | 13 |
| Figure Lending LLC | 5 | 11 |
| Southwest Stage Funding LLC | 5 | 13 |
| Navy Federal Credit Union | 5 | 14 |
| Nationstar Mortgage | 5 | 9 |
| Loanunited.com, LLC | 5 | 6 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 30 | no rate: base under 50 |
| Asian | withheld | |
| Black or African American | 343 | 48.9% of 237 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 741 | 33.5% of 594 decided |
| 2 or more minority races | 10 | no rate: base under 50 |
| Joint | 32 | no rate: base under 50 |
| Race Not Available | 164 | 33.9% of 124 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 68 | 42.3% of 52 decided |
| Not Hispanic or Latino | 1,050 | 36.8% of 812 decided |
| Joint | 16 | no rate: base under 50 |
| Ethnicity Not Available | 201 | 40.6% of 143 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 515 | 37.2% of 384 decided |
| Female | 378 | 47.9% of 288 decided |
| Joint | 355 | 29.9% of 291 decided |
| Sex Not Available | 87 | 31.0% of 58 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. 2037 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