Mortgage lending in Rutherford County, North Carolina
Lenders in Rutherford County, North Carolina reported 2,665 mortgage applications for 2025, according to the CFPB.
2,665 mortgage applications and 1,345 loans originated in 2025; the denial rate was 30.5% of 2,039 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: Rutherford County, NC.
- 2,665
- Applications
- 1,345
- Loans originated
- 30.5%
- Denial rate
- 622 denied of 2,039 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,665 | 1,345 |
| 2024 | 2,484 | 1,313 |
| 2023 | 2,485 | 1,281 |
| 2022 | 3,219 | 1,904 |
| 2021 | 4,112 | 2,521 |
| 2020 | 3,451 | 2,028 |
| 2019 | 2,660 | 1,565 |
| 2018 | 2,398 | 1,399 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 198 | 396 |
| Rocket Mortgage | 123 | 185 |
| Movement Mortgage, LLC | 102 | 128 |
| Atlantic Bay Mortgage Group | 86 | 102 |
| United Wholesale Mortgage | 51 | 77 |
| Truist Bank | 44 | 83 |
| First Ciitizens Bank and Trust | 40 | 53 |
| Vanderbilt Mortgage and Finance, Inc | 28 | 228 |
| Mortgage Research Center | 27 | 72 |
| Success Mortgage Partners, Inc | 25 | 31 |
| HomeTrust Bank | 24 | 34 |
| Crosscountry Mortgage, LLC | 22 | 30 |
| PNC Bank N.A. | 21 | 35 |
| Skyla Federal Credit Union | 16 | 46 |
| American Financial Resources LLC | 15 | 16 |
| loanDepot.com LLC | 15 | 35 |
| United Bank VA | 14 | 20 |
| United Federal Credit Union | 14 | 23 |
| Fifth Third Bank, National Association | 14 | 38 |
| Guild Mortgage Company | 12 | 15 |
| New American Funding, LLC. | 12 | 38 |
| Guaranteed Rate, Inc. | 12 | 22 |
| Bank of America NA | 12 | 22 |
| Civic FCU | 11 | 19 |
| Pennymac Loan Services LLC | 11 | 30 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 12 | no rate: base under 50 |
| Asian | 20 | no rate: base under 50 |
| Black or African American | 137 | 51.5% of 97 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,085 | 28.5% of 1,633 decided |
| 2 or more minority races | under 10 | |
| Joint | 33 | no rate: base under 50 |
| Race Not Available | 371 | 34.4% of 259 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 101 | 23.9% of 67 decided |
| Not Hispanic or Latino | 2,122 | 29.9% of 1,656 decided |
| Joint | withheld | |
| Ethnicity Not Available | 400 | 35.2% of 281 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 929 | 30.8% of 699 decided |
| Female | 598 | 37.7% of 461 decided |
| Joint | 908 | 25.5% of 717 decided |
| Sex Not Available | 230 | 30.9% of 162 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. 1293 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