Mortgage lending in Wilkes County, North Carolina
Lenders in Wilkes County, North Carolina reported 2,138 mortgage applications for 2025, according to the CFPB.
2,138 mortgage applications and 1,142 loans originated in 2025; the denial rate was 28.3% of 1,692 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Wilkes County, NC.
- 2,138
- Applications
- 1,142
- Loans originated
- 28.3%
- Denial rate
- 478 denied of 1,692 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,138 | 1,142 |
| 2024 | 1,757 | 936 |
| 2023 | 1,818 | 1,004 |
| 2022 | 2,279 | 1,281 |
| 2021 | 3,093 | 1,860 |
| 2020 | 2,681 | 1,588 |
| 2019 | 2,015 | 1,215 |
| 2018 | 1,891 | 1,110 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 282 | 473 |
| Rocket Mortgage | 91 | 127 |
| First National Bank of PA | 70 | 125 |
| Truist Bank | 51 | 93 |
| Atlantic Bay Mortgage Group | 41 | 51 |
| Guild Mortgage Company | 31 | 34 |
| Mortgage Research Center | 25 | 42 |
| United Wholesale Mortgage | 24 | 38 |
| ALCOVA Mortgage, LLC | 24 | 33 |
| Highlands Residential Mortgage, Ltd. | 22 | 26 |
| Wells Fargo Bank NA | 20 | 27 |
| Vanderbilt Mortgage and Finance, Inc | 17 | 164 |
| Freedom Mortgage Corporation | 15 | 32 |
| Crosscountry Mortgage, LLC | 14 | 29 |
| Summit Mortgage Corporation | 13 | 16 |
| Fairway Independent Mort Corp | 13 | 17 |
| Skyline National Bank | 12 | 17 |
| Movement Mortgage, LLC | 12 | 17 |
| Bank of America NA | 12 | 22 |
| First Horizon Bank | 12 | 19 |
| First Community Bank | 11 | 22 |
| loanDepot.com LLC | 10 | 30 |
| Truliant Federal Credit Union | 10 | 26 |
| Amerisave Mortgage Company | 9 | 25 |
| First Ciitizens Bank and Trust | 9 | 18 |
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 | 74 | 55.0% of 60 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,774 | 26.7% of 1,412 decided |
| 2 or more minority races | under 10 | |
| Joint | 31 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 241 | 27.7% of 184 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 109 | 40.7% of 86 decided |
| Not Hispanic or Latino | 1,745 | 26.8% of 1,386 decided |
| Joint | 34 | no rate: base under 50 |
| Ethnicity Not Available | 250 | 31.8% of 195 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 673 | 30.3% of 525 decided |
| Female | 482 | 34.6% of 376 decided |
| Joint | 827 | 22.9% of 669 decided |
| Sex Not Available | 156 | 29.5% of 122 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. 1615 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