Mortgage lending in Yancey County, North Carolina
Lenders in Yancey County, North Carolina reported 680 mortgage applications for 2025, according to the CFPB.
680 mortgage applications and 347 loans originated in 2025; the denial rate was 28.5% of 512 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: Yancey County, NC.
- 680
- Applications
- 347
- Loans originated
- 28.5%
- Denial rate
- 146 denied of 512 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 680 | 347 |
| 2024 | 561 | 274 |
| 2023 | 614 | 299 |
| 2022 | 836 | 480 |
| 2021 | 1,283 | 753 |
| 2020 | 1,088 | 616 |
| 2019 | 811 | 429 |
| 2018 | 736 | 400 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| State Employees' Credit Union | 53 | 108 |
| United Community Bank | 44 | 71 |
| Rocket Mortgage | 28 | 43 |
| United Wholesale Mortgage | 17 | 29 |
| Movement Mortgage, LLC | 12 | 14 |
| Atlantic Bay Mortgage Group | 9 | 16 |
| First Ciitizens Bank and Trust | 8 | 16 |
| loanDepot.com LLC | 7 | 17 |
| United Federal Credit Union | 5 | 6 |
| Reliance First Capital, LLC | 5 | 5 |
| PNC Bank N.A. | 5 | 9 |
| Bank of America NA | 5 | 9 |
| TD Bank | 4 | 13 |
| Figure Lending LLC | 4 | 5 |
| T2 Financial LLC | 4 | 4 |
| Plaza Home Mortgage, Inc | 4 | 5 |
| Wells Fargo Bank NA | 4 | 4 |
| First Bank | 3 | 4 |
| Navy Federal Credit Union | 3 | 8 |
| Churchill Mortgage Corporation | 3 | 4 |
| HomeTrust Bank | 3 | 5 |
| Mortgage Research Center | 3 | 7 |
| Highlands Residential Mortgage, Ltd. | 3 | 3 |
| AgSouth Farm Credit | 3 | 4 |
| Freedom Mortgage Corporation | 3 | 4 |
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 | under 10 | |
| White | 574 | 27.8% of 439 decided |
| Joint | 11 | no rate: base under 50 |
| Race Not Available | 86 | 37.3% of 59 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 20 | no rate: base under 50 |
| Not Hispanic or Latino | 557 | 27.3% of 428 decided |
| Joint | 12 | no rate: base under 50 |
| Ethnicity Not Available | 91 | 35.0% of 60 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 226 | 33.0% of 173 decided |
| Female | 134 | 24.8% of 105 decided |
| Joint | 265 | 25.4% of 197 decided |
| Sex Not Available | 55 | no rate: base under 50 |
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. 1042 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