Mortgage lending in Union County, North Carolina
Lenders in Union County, North Carolina reported 13,725 mortgage applications for 2025, according to the CFPB.
13,725 mortgage applications and 8,298 loans originated in 2025; the denial rate was 20.5% of 11,040 applications decided. The median loan was about $315,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area.
- 13,725
- Applications
- 8,298
- Loans originated
- 20.5%
- Denial rate
- 2,260 denied of 11,040 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 13,725 | 8,298 |
| 2024 | 12,252 | 7,236 |
| 2023 | 11,697 | 6,975 |
| 2022 | 17,041 | 10,331 |
| 2021 | 26,985 | 17,911 |
| 2020 | 25,530 | 16,755 |
| 2019 | 16,678 | 10,612 |
| 2018 | 13,289 | 8,161 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 635 | 812 |
| United Wholesale Mortgage | 567 | 729 |
| State Employees' Credit Union | 418 | 712 |
| Movement Mortgage, LLC | 374 | 488 |
| Truist Bank | 321 | 509 |
| Bank of America NA | 318 | 626 |
| First Ciitizens Bank and Trust | 225 | 324 |
| Fifth Third Bank, National Association | 220 | 368 |
| First National Bank of PA | 182 | 259 |
| NVR Mortgage Finance, Inc. | 138 | 168 |
| loanDepot.com LLC | 133 | 198 |
| Fairway Independent Mort Corp | 131 | 179 |
| Truliant Federal Credit Union | 129 | 298 |
| American Security Mortgage Cor | 117 | 145 |
| Pennymac Loan Services LLC | 117 | 199 |
| DHI Mortgage Company, LTD. | 103 | 162 |
| Atlantic Bay Mortgage Group | 99 | 141 |
| Pulte Mortgage LLC | 87 | 121 |
| First Heritage Mortgage, LLC | 87 | 110 |
| Skyla Federal Credit Union | 82 | 133 |
| Mattamy Home Funding LLC | 81 | 91 |
| M/I Financial. LLC | 80 | 90 |
| Founders Federal Credit Union | 79 | 165 |
| Mutual of Omaha Mortgage | 78 | 110 |
| JPMorgan Chase Bank, NA | 78 | 117 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 58 | 36.0% of 50 decided |
| Asian | 1,380 | 16.9% of 1,110 decided |
| Black or African American | 1,152 | 32.5% of 896 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 8,602 | 18.5% of 7,055 decided |
| 2 or more minority races | 40 | no rate: base under 50 |
| Joint | 237 | 16.1% of 199 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,230 | 24.2% of 1,686 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,189 | 27.9% of 955 decided |
| Not Hispanic or Latino | 10,084 | 19.1% of 8,207 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,121 | 23.4% of 1,602 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,035 | 21.7% of 4,036 decided |
| Female | 2,571 | 25.2% of 2,053 decided |
| Joint | 4,963 | 15.5% of 4,101 decided |
| Sex Not Available | 1,156 | 27.2% of 850 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. 233 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