Mortgage lending in Rowan County, North Carolina
Lenders in Rowan County, North Carolina reported 7,004 mortgage applications for 2025, according to the CFPB.
7,004 mortgage applications and 3,974 loans originated in 2025; the denial rate was 23.9% of 5,531 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Rowan County, NC HUD Metro FMR Area.
- 7,004
- Applications
- 3,974
- Loans originated
- 23.9%
- Denial rate
- 1,323 denied of 5,531 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 7,004 | 3,974 |
| 2024 | 6,348 | 3,606 |
| 2023 | 5,861 | 3,289 |
| 2022 | 7,631 | 4,593 |
| 2021 | 10,029 | 6,268 |
| 2020 | 8,752 | 5,388 |
| 2019 | 6,187 | 3,664 |
| 2018 | 5,346 | 3,141 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 442 | 799 |
| Rocket Mortgage | 363 | 494 |
| United Wholesale Mortgage | 162 | 250 |
| Movement Mortgage, LLC | 149 | 213 |
| loanDepot.com LLC | 127 | 167 |
| Ixonia Bank | 126 | 156 |
| First National Bank of PA | 110 | 153 |
| Atlantic Bay Mortgage Group | 93 | 125 |
| Truist Bank | 81 | 151 |
| Freedom Mortgage Corporation | 65 | 141 |
| Crosscountry Mortgage, LLC | 65 | 103 |
| Fairway Independent Mort Corp | 64 | 77 |
| Mortgage Research Center | 60 | 114 |
| Fifth Third Bank, National Association | 53 | 104 |
| Bank of America NA | 50 | 116 |
| Sharonview Federal CU | 47 | 93 |
| Union Home Mortgage Corp. | 47 | 58 |
| Navy Federal Credit Union | 45 | 102 |
| Pinnacle Bank | 43 | 64 |
| Farmers & Merchants Bank | 42 | 52 |
| ALCOVA Mortgage, LLC | 41 | 51 |
| Wells Fargo Bank NA | 41 | 62 |
| Southstate Bank, National Association | 40 | 60 |
| Pennymac Loan Services LLC | 40 | 78 |
| Nationstar Mortgage | 39 | 52 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 25 | no rate: base under 50 |
| Asian | 81 | 25.8% of 66 decided |
| Black or African American | 922 | 34.0% of 708 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 4,443 | 21.9% of 3,603 decided |
| 2 or more minority races | 30 | no rate: base under 50 |
| Joint | 101 | 19.2% of 78 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,386 | 24.0% of 1,026 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 570 | 27.3% of 447 decided |
| Not Hispanic or Latino | 5,033 | 23.2% of 4,051 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,288 | 26.2% of 943 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,485 | 25.6% of 1,961 decided |
| Female | 1,582 | 28.1% of 1,233 decided |
| Joint | 2,117 | 18.7% of 1,744 decided |
| Sex Not Available | 820 | 25.1% of 593 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. 912 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