Mortgage lending in Surry County, North Carolina
Lenders in Surry County, North Carolina reported 2,495 mortgage applications for 2025, according to the CFPB.
2,495 mortgage applications and 1,389 loans originated in 2025; the denial rate was 24.8% of 1,944 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Surry County, NC.
- 2,495
- Applications
- 1,389
- Loans originated
- 24.8%
- Denial rate
- 482 denied of 1,944 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,495 | 1,389 |
| 2024 | 2,192 | 1,262 |
| 2023 | 2,239 | 1,246 |
| 2022 | 2,712 | 1,637 |
| 2021 | 3,557 | 2,211 |
| 2020 | 3,049 | 1,865 |
| 2019 | 2,195 | 1,328 |
| 2018 | 2,188 | 1,277 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 264 | 434 |
| Rocket Mortgage | 96 | 125 |
| Atlantic Bay Mortgage Group | 85 | 110 |
| Allegacy Federal Credit Union | 78 | 122 |
| EMM Loans LLC | 60 | 70 |
| First National Bank of PA | 53 | 75 |
| Truist Bank | 47 | 83 |
| First Community Bank | 40 | 62 |
| United Wholesale Mortgage | 39 | 64 |
| Fairway Independent Mort Corp | 31 | 45 |
| First Ciitizens Bank and Trust | 28 | 42 |
| Vanderbilt Mortgage and Finance, Inc | 24 | 177 |
| First Horizon Bank | 23 | 34 |
| Mortgage Research Center | 22 | 49 |
| American Financial Resources LLC | 21 | 26 |
| loanDepot.com LLC | 21 | 45 |
| Renasant Bank | 17 | 21 |
| PNC Bank N.A. | 17 | 29 |
| Freedom Mortgage Corporation | 16 | 32 |
| Truliant Federal Credit Union | 14 | 43 |
| Crosscountry Mortgage, LLC | 14 | 18 |
| Pennymac Loan Services LLC | 14 | 33 |
| Nationstar Mortgage | 13 | 18 |
| Towne Mortgage Company | 11 | 13 |
| Envoy Mortgage, LTD | 10 | 12 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 16 | no rate: base under 50 |
| Asian | 15 | no rate: base under 50 |
| Black or African American | 62 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,061 | 23.8% of 1,633 decided |
| Joint | 27 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 312 | 26.6% of 226 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 136 | 30.6% of 98 decided |
| Not Hispanic or Latino | 2,021 | 24.4% of 1,601 decided |
| Joint | 28 | no rate: base under 50 |
| Ethnicity Not Available | 310 | 25.9% of 224 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 839 | 24.2% of 644 decided |
| Female | 540 | 32.6% of 402 decided |
| Joint | 925 | 20.2% of 756 decided |
| Sex Not Available | 191 | 29.6% of 142 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. 1614 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