Mortgage lending in Wake County, North Carolina
Lenders in Wake County, North Carolina reported 51,499 mortgage applications for 2025, according to the CFPB.
51,499 mortgage applications and 32,311 loans originated in 2025; the denial rate was 18.7% of 41,678 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: Raleigh-Cary, NC MSA.
- 51,499
- Applications
- 32,311
- Loans originated
- 18.7%
- Denial rate
- 7,776 denied of 41,678 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 51,499 | 32,311 |
| 2024 | 48,441 | 29,977 |
| 2023 | 48,317 | 29,200 |
| 2022 | 69,788 | 43,234 |
| 2021 | 114,291 | 77,974 |
| 2020 | 114,532 | 77,156 |
| 2019 | 68,510 | 45,490 |
| 2018 | 55,482 | 36,083 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 3,417 | 5,718 |
| United Wholesale Mortgage | 2,180 | 2,757 |
| Coastal Federal Credit Union | 1,659 | 2,588 |
| Rocket Mortgage | 1,652 | 2,195 |
| First Ciitizens Bank and Trust | 1,178 | 1,687 |
| Lennar Mortgage, LLC | 1,143 | 1,416 |
| Truist Bank | 856 | 1,542 |
| Bank of America NA | 625 | 1,301 |
| Movement Mortgage, LLC | 609 | 861 |
| Pulte Mortgage LLC | 542 | 650 |
| Pennymac Loan Services LLC | 537 | 879 |
| First National Bank of PA | 527 | 772 |
| Navy Federal Credit Union | 494 | 1,002 |
| DHI Mortgage Company, LTD. | 452 | 637 |
| loanDepot.com LLC | 447 | 675 |
| Crosscountry Mortgage, LLC | 416 | 584 |
| Fifth Third Bank, National Association | 373 | 736 |
| NVR Mortgage Finance, Inc. | 372 | 494 |
| PNC Bank N.A. | 369 | 613 |
| JPMorgan Chase Bank, NA | 341 | 540 |
| Prosperity Home Mortgage, LLC | 332 | 444 |
| Vanderbilt Mortgage and Finance, Inc | 324 | 600 |
| TowneBank | 321 | 403 |
| First Heritage Mortgage, LLC | 290 | 349 |
| Fairway Independent Mort Corp | 289 | 363 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 215 | 34.1% of 170 decided |
| Asian | 8,244 | 14.4% of 6,641 decided |
| Black or African American | 6,039 | 35.1% of 4,848 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 27,047 | 15.1% of 22,458 decided |
| 2 or more minority races | 182 | 31.7% of 142 decided |
| Joint | 1,084 | 12.6% of 900 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 8,609 | 22.9% of 6,453 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 2,976 | 25.0% of 2,426 decided |
| Not Hispanic or Latino | 39,326 | 17.6% of 32,269 decided |
| Joint | withheld | |
| Ethnicity Not Available | 8,063 | 22.4% of 6,072 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 18,373 | 19.7% of 14,806 decided |
| Female | 11,226 | 23.8% of 9,138 decided |
| Joint | 17,407 | 13.3% of 14,462 decided |
| Sex Not Available | 4,493 | 23.4% of 3,272 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. 234 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