Mortgage lending in Transylvania County, North Carolina
Lenders in Transylvania County, North Carolina reported 1,285 mortgage applications for 2025, according to the CFPB.
1,285 mortgage applications and 768 loans originated in 2025; the denial rate was 21.8% of 1,033 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Transylvania County, NC.
- 1,285
- Applications
- 768
- Loans originated
- 21.8%
- Denial rate
- 225 denied of 1,033 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,285 | 768 |
| 2024 | 1,212 | 685 |
| 2023 | 1,163 | 689 |
| 2022 | 1,775 | 1,094 |
| 2021 | 2,724 | 1,744 |
| 2020 | 2,630 | 1,616 |
| 2019 | 1,699 | 1,061 |
| 2018 | 1,582 | 935 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Community Bank | 77 | 104 |
| First Ciitizens Bank and Trust | 66 | 88 |
| State Employees' Credit Union | 59 | 116 |
| Rocket Mortgage | 57 | 71 |
| Fifth Third Bank, National Association | 26 | 42 |
| United Wholesale Mortgage | 25 | 45 |
| Movement Mortgage, LLC | 19 | 24 |
| Atlantic Bay Mortgage Group | 17 | 19 |
| Goprime Mortgage, Inc. | 14 | 14 |
| HomeTrust Bank | 12 | 14 |
| United Federal Credit Union | 12 | 17 |
| Wells Fargo Bank NA | 12 | 23 |
| Citizens Bank, NA | 11 | 15 |
| Ameris Bank | 11 | 14 |
| Howard Hanna Financial Services, Inc | 10 | 15 |
| JPMorgan Chase Bank, NA | 10 | 16 |
| Pennymac Loan Services LLC | 10 | 14 |
| loanDepot.com LLC | 9 | 13 |
| Bank of America NA | 9 | 22 |
| Truist Bank | 9 | 13 |
| Vanderbilt Mortgage and Finance, Inc | 8 | 51 |
| Navy Federal Credit Union | 8 | 16 |
| Mortgage Research Center | 8 | 19 |
| Nationstar Mortgage | 8 | 10 |
| Freedom Mortgage Corporation | 8 | 16 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 17 | no rate: base under 50 |
| White | 1,083 | 20.5% of 892 decided |
| 2 or more minority races | under 10 | |
| Joint | 22 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 153 | 24.5% of 106 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 20 | no rate: base under 50 |
| Not Hispanic or Latino | 1,082 | 20.6% of 879 decided |
| Joint | 22 | no rate: base under 50 |
| Ethnicity Not Available | 161 | 23.9% of 117 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 368 | 23.8% of 290 decided |
| Female | 262 | 24.4% of 217 decided |
| Joint | 563 | 19.0% of 457 decided |
| Sex Not Available | 92 | 23.2% of 69 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. 489 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