Mortgage lending in Scotland County, North Carolina
Lenders in Scotland County, North Carolina reported 1,127 mortgage applications for 2025, according to the CFPB.
1,127 mortgage applications and 486 loans originated in 2025; the denial rate was 36.8% of 838 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Scotland County, NC.
- 1,127
- Applications
- 486
- Loans originated
- 36.8%
- Denial rate
- 308 denied of 838 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,127 | 486 |
| 2024 | 1,024 | 401 |
| 2023 | 1,006 | 405 |
| 2022 | 1,190 | 536 |
| 2021 | 1,354 | 656 |
| 2020 | 1,086 | 519 |
| 2019 | 817 | 421 |
| 2018 | 774 | 367 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 73 | 147 |
| Rocket Mortgage | 37 | 62 |
| United Wholesale Mortgage | 35 | 43 |
| Vanderbilt Mortgage and Finance, Inc | 20 | 159 |
| 21ST Mortgage | 20 | 79 |
| Crosscountry Mortgage, LLC | 19 | 27 |
| Union Home Mortgage Corp. | 15 | 21 |
| First Bank | 12 | 17 |
| PNC Bank N.A. | 11 | 28 |
| Navy Federal Credit Union | 10 | 25 |
| C&F Mortgage Corporation | 10 | 23 |
| Truist Bank | 10 | 19 |
| Freedom Mortgage Corporation | 9 | 25 |
| ALCOVA Mortgage, LLC | 9 | 11 |
| loanDepot.com LLC | 8 | 17 |
| Mortgage Research Center | 8 | 25 |
| NFM, Inc | 8 | 9 |
| Wells Fargo Bank NA | 7 | 10 |
| New American Funding, LLC. | 6 | 20 |
| Newrez LLC | 6 | 15 |
| Primis Bank | 5 | 5 |
| Movement Mortgage, LLC | 5 | 10 |
| Reliance First Capital, LLC | 5 | 6 |
| Pennymac Loan Services LLC | 5 | 13 |
| Blue Ridge Bank | 4 | 7 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 92 | 50.0% of 66 decided |
| Asian | under 10 | |
| Black or African American | 296 | 56.3% of 215 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 494 | 23.4% of 380 decided |
| 2 or more minority races | under 10 | |
| Joint | 47 | no rate: base under 50 |
| Race Not Available | 182 | 39.5% of 129 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 62 | 52.9% of 51 decided |
| Not Hispanic or Latino | 825 | 33.6% of 623 decided |
| Joint | 14 | no rate: base under 50 |
| Ethnicity Not Available | 226 | 44.4% of 153 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 403 | 37.5% of 307 decided |
| Female | 344 | 46.3% of 244 decided |
| Joint | 292 | 24.9% of 225 decided |
| Sex Not Available | 88 | 38.7% of 62 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. 1820 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