Mortgage lending in Wayne County, North Carolina
Lenders in Wayne County, North Carolina reported 4,918 mortgage applications for 2025, according to the CFPB.
4,918 mortgage applications and 2,636 loans originated in 2025; the denial rate was 27.1% of 3,859 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Goldsboro, NC MSA.
- 4,918
- Applications
- 2,636
- Loans originated
- 27.1%
- Denial rate
- 1,047 denied of 3,859 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,918 | 2,636 |
| 2024 | 4,499 | 2,468 |
| 2023 | 3,784 | 2,090 |
| 2022 | 4,846 | 2,834 |
| 2021 | 6,422 | 4,033 |
| 2020 | 5,250 | 3,272 |
| 2019 | 3,780 | 2,352 |
| 2018 | 3,150 | 1,930 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 349 | 709 |
| Rocket Mortgage | 152 | 223 |
| United Wholesale Mortgage | 150 | 220 |
| Atlantic Bay Mortgage Group | 134 | 161 |
| Mortgage Research Center | 109 | 223 |
| Truist Bank | 87 | 158 |
| Movement Mortgage, LLC | 86 | 112 |
| Lower, LLC | 86 | 101 |
| American Security Mortgage Cor | 71 | 81 |
| Freedom Mortgage Corporation | 68 | 138 |
| Navy Federal Credit Union | 56 | 119 |
| Cornerstone Capital Bank, SSB | 51 | 57 |
| DHI Mortgage Company, LTD. | 50 | 80 |
| Southern Bank and Trust Company | 49 | 62 |
| loanDepot.com LLC | 46 | 74 |
| First Ciitizens Bank and Trust | 45 | 67 |
| Crosscountry Mortgage, LLC | 42 | 64 |
| Pennymac Loan Services LLC | 42 | 90 |
| New American Funding, LLC. | 29 | 63 |
| Newrez LLC | 27 | 78 |
| 21ST Mortgage | 25 | 162 |
| Michigan Mutual, Inc | 22 | 25 |
| Everett Financial, Inc. | 20 | 28 |
| PNC Bank N.A. | 19 | 53 |
| KS Bank, Inc. | 18 | 20 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 40 | no rate: base under 50 |
| Asian | 82 | 25.7% of 70 decided |
| Black or African American | 1,070 | 38.2% of 837 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 2,669 | 22.6% of 2,117 decided |
| 2 or more minority races | 17 | no rate: base under 50 |
| Joint | 103 | 27.9% of 79 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 923 | 26.9% of 703 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 466 | 27.8% of 363 decided |
| Not Hispanic or Latino | 3,523 | 27.4% of 2,790 decided |
| Joint | withheld | |
| Ethnicity Not Available | 847 | 25.5% of 640 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,832 | 23.9% of 1,420 decided |
| Female | 1,220 | 37.9% of 958 decided |
| Joint | 1,380 | 22.3% of 1,109 decided |
| Sex Not Available | 486 | 26.1% of 372 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. 1041 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