Mortgage lending in Watauga County, North Carolina
Lenders in Watauga County, North Carolina reported 1,935 mortgage applications for 2025, according to the CFPB.
1,935 mortgage applications and 1,204 loans originated in 2025; the denial rate was 19.4% of 1,546 applications decided. The median loan was about $335,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Watauga County, NC.
- 1,935
- Applications
- 1,204
- Loans originated
- 19.4%
- Denial rate
- 300 denied of 1,546 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,935 | 1,204 |
| 2024 | 1,607 | 979 |
| 2023 | 1,784 | 1,124 |
| 2022 | 2,611 | 1,711 |
| 2021 | 4,133 | 2,785 |
| 2020 | 4,139 | 2,751 |
| 2019 | 2,536 | 1,664 |
| 2018 | 2,154 | 1,347 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 183 | 293 |
| Rocket Mortgage | 84 | 109 |
| Movement Mortgage, LLC | 59 | 75 |
| Skyline National Bank | 46 | 47 |
| Truist Bank | 42 | 71 |
| Fairway Independent Mort Corp | 39 | 53 |
| First Ciitizens Bank and Trust | 39 | 53 |
| United Community Bank | 37 | 61 |
| Bank of America NA | 33 | 65 |
| First National Bank of PA | 31 | 60 |
| United Wholesale Mortgage | 28 | 38 |
| Guild Mortgage Company | 23 | 37 |
| Atlantic Bay Mortgage Group | 20 | 22 |
| Bank of Tennessee | 16 | 20 |
| Wells Fargo Bank NA | 16 | 30 |
| Pennymac Loan Services LLC | 16 | 28 |
| Navy Federal Credit Union | 15 | 29 |
| PNC Bank N.A. | 15 | 26 |
| Newrez LLC | 13 | 23 |
| JPMorgan Chase Bank, NA | 12 | 20 |
| American Security Mortgage Cor | 10 | 12 |
| Southstate Bank, National Association | 10 | 12 |
| Howard Hanna Financial Services, Inc | 9 | 10 |
| New Peoples Bank, Inc | 9 | 13 |
| Crosscountry Mortgage, LLC | 9 | 14 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 39 | no rate: base under 50 |
| Black or African American | withheld | |
| White | 1,572 | 19.8% of 1,268 decided |
| Joint | 18 | no rate: base under 50 |
| Race Not Available | 288 | 18.5% of 222 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 54 | no rate: base under 50 |
| Not Hispanic or Latino | 1,551 | 18.6% of 1,251 decided |
| Joint | 34 | no rate: base under 50 |
| Ethnicity Not Available | 296 | 22.2% of 230 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 564 | 24.8% of 443 decided |
| Female | 331 | 26.1% of 264 decided |
| Joint | 862 | 13.6% of 700 decided |
| Sex Not Available | 178 | 18.7% of 139 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. 191 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