Mortgage lending in Swain County, North Carolina
Lenders in Swain County, North Carolina reported 548 mortgage applications for 2025, according to the CFPB.
548 mortgage applications and 278 loans originated in 2025; the denial rate was 29.8% of 416 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Swain County, NC.
- 548
- Applications
- 278
- Loans originated
- 29.8%
- Denial rate
- 124 denied of 416 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 548 | 278 |
| 2024 | 489 | 263 |
| 2023 | 527 | 275 |
| 2022 | 656 | 349 |
| 2021 | 932 | 525 |
| 2020 | 734 | 418 |
| 2019 | 553 | 297 |
| 2018 | 488 | 259 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 44 | 73 |
| United Community Bank | 41 | 67 |
| Rocket Mortgage | 16 | 28 |
| Union Home Mortgage Corp. | 11 | 13 |
| United Wholesale Mortgage | 9 | 16 |
| Plaza Home Mortgage, Inc | 7 | 9 |
| The Loan Store, Inc | 6 | 6 |
| First Ciitizens Bank and Trust | 6 | 14 |
| Wells Fargo Bank NA | 5 | 7 |
| Click n' Close, Inc. | 4 | 6 |
| Movement Mortgage, LLC | 4 | 4 |
| First Community Mortgage, Inc. | 4 | 7 |
| Alliant Credit Union | 4 | 5 |
| American Financial Resources LLC | 3 | 3 |
| Navy Federal Credit Union | 3 | 5 |
| Mortgage Research Center | 3 | 9 |
| Newrez LLC | 3 | 7 |
| Freedom Mortgage Corporation | 3 | 5 |
| Fairway Independent Mort Corp | 3 | 3 |
| First Reliance Bank | 3 | 3 |
| Champion Credit Union | 2 | 2 |
| Figure Lending LLC | 2 | 3 |
| Vanderbilt Mortgage and Finance, Inc | 2 | 35 |
| Mortgage Financial Group Inc | 2 | 3 |
| Guild Mortgage Company | 2 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 51 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 402 | 26.8% of 317 decided |
| 2 or more minority races | under 10 | |
| Joint | 19 | no rate: base under 50 |
| Race Not Available | 64 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 457 | 29.6% of 358 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 75 | no rate: base under 50 |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 175 | 31.9% of 141 decided |
| Female | 120 | 40.5% of 84 decided |
| Joint | 216 | 21.8% of 170 decided |
| Sex Not Available | 37 | no rate: base under 50 |
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. 789 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