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Mortgage lending in North Carolina

Lenders in North Carolina reported 486,376 mortgage applications for 2025, according to the CFPB.

486,376 mortgage applications and 281,159 loans originated in 2025. 87,837 of the 384,933 applications decided were denied, 22.8%. From 2025, the CFPB’s Snapshot release.

486,376
Applications
281,159
Loans originated
25.1 per 1,000 residents, over the Census Bureau's 2025 estimate.
22.8%
Denial rate
87,837 denied of 384,933 applications decided.

The largest lenders in North Carolina

2 more columns on a wider screen

Lenders in North Carolina by loans originated, 2025
RankLenderOriginated
1State Employees' Credit Union27,575
2Rocket Mortgage18,462
3United Wholesale Mortgage13,671
4Movement Mortgage, LLC8,138
5Truist Bank7,920
6First Ciitizens Bank and Trust6,984
7Atlantic Bay Mortgage Group6,049
8DHI Mortgage Company, LTD.5,258
9Navy Federal Credit Union5,249
10First National Bank of PA5,046
11Bank of America NA4,880
12Mortgage Research Center4,769
13Freedom Mortgage Corporation4,463
14Crosscountry Mortgage, LLC4,431
15loanDepot.com LLC3,969
16Pennymac Loan Services LLC3,751
17Truliant Federal Credit Union3,466
18Coastal Federal Credit Union3,167
19Fairway Independent Mort Corp2,993
20Newrez LLC2,787
21Lennar Mortgage, LLC2,756
22American Security Mortgage Cor2,599
23Vanderbilt Mortgage and Finance, Inc2,515
24Guaranteed Rate, Inc.2,491
25PNC Bank N.A.2,361

Counties in North Carolina

1 more column on a wider screen

Counties in North Carolina by loans originated, with the median loan, 2025
CountyOriginatedMedian loan
Wake County32,311$315,000
Mecklenburg County29,331$315,000
Guilford County11,526$205,000
Forsyth County9,623$205,000
Cumberland County8,371$225,000
Union County8,298$315,000
Brunswick County8,194$265,000
Johnston County7,995$265,000
Durham County7,684$295,000
Cabarrus County7,195$285,000
Onslow County7,087$255,000
Gaston County7,009$245,000
New Hanover County6,562$285,000
Iredell County6,305$265,000
Buncombe County5,578$305,000
Harnett County5,532$275,000
Catawba County4,897$215,000
Alamance County4,837$225,000
Davidson County4,799$205,000
Rowan County3,974$215,000
Pitt County3,901$195,000
Moore County3,677$325,000
Randolph County3,200$185,000
Henderson County3,103$275,000
Craven County3,084$225,000
Lincoln County2,926$255,000
Orange County2,897$295,000
Wayne County2,636$205,000
Pender County2,535$305,000
Franklin County2,471$275,000
Carteret County2,442$285,000
Cleveland County2,373$175,000
Nash County2,288$205,000
Rockingham County2,272$175,000
Hoke County2,212$285,000
Chatham County2,161$335,000
Burke County1,901$185,000
Caldwell County1,896$175,000
Stanly County1,878$215,000
Dare County1,806$365,000
Lee County1,786$255,000
Haywood County1,656$255,000
Wilson County1,649$185,000
Granville County1,461$235,000
Currituck County1,445$365,000
Surry County1,389$165,000
Robeson County1,360$165,000
Rutherford County1,345$185,000
Davie County1,317$205,000
Pasquotank County1,257$245,000
Watauga County1,204$335,000
Stokes County1,200$175,000
Wilkes County1,142$165,000
Macon County998$235,000
Lenoir County954$155,000
Sampson County941$195,000
Person County933$205,000
Beaufort County906$185,000
McDowell County876$205,000
Jackson County851$285,000
Cherokee County825$205,000
Columbus County785$155,000
Yadkin County771$165,000
Transylvania County768$265,000
Duplin County722$175,000
Alexander County685$195,000
Edgecombe County675$135,000
Vance County617$185,000
Ashe County602$225,000
Richmond County597$145,000
Halifax County540$150,000
Montgomery County538$205,000
Avery County534$275,000
Polk County492$240,000
Scotland County486$155,000
Camden County417$335,000
Madison County405$265,000
Bladen County396$155,000
Perquimans County393$215,000
Warren County380$230,000
Caswell County370$175,000
Yancey County347$205,000
Pamlico County342$215,000
Chowan County323$195,000
Anson County322$175,000
Martin County295$125,000
Clay County284$220,000
Swain County278$225,000
Alleghany County276$185,000
Mitchell County265$205,000
Northampton County229$135,000
Greene County222$155,000
Jones County201$205,000
Gates County196$215,000
Hertford County182$155,000
Bertie County179$125,000
Graham County156$175,000
Washington County118$130,000
Hyde County66$170,000
Tyrrell County48under 50 loans

North Carolina elsewhere on the Factbook

  • Reported crime Crime and justice

    Offenses reported to police by type, the trend, and the reporting coverage.

  • Most dangerous cities in North Carolina Crime and justice

    What each agency serving 25,000 or more reported, ranked. Agency populations overlap, so these do not add up to the state.

  • Prison population Crime and justice

    People held under the state’s correctional authority, and the imprisonment rate. A different publisher counting a different thing.

  • Arrests by race, sex and age Crime and justice

    Arrests as the FBI’s participating agencies reported them, with what the figures can and cannot support at the top.

  • Hate crime Crime and justice

    Incidents reported to the FBI by bias motivation, as counts — the collection publishes no participation share, so there is no rate to compare states on.

  • Federal obligations Federal spending

    What federal agencies obligated against a place of performance in the state, per resident and by agency.

  • Registered nonprofits Nonprofits

    How many organizations the IRS lists in the state, what they report as revenue, and which kinds of work they do.

  • Payments to doctors Health

    What drug and device companies reported paying doctors with a practice address in the state, and the largest recipients.

  • Immigration courts Immigration and the border

    The EOIR courts sitting in the state, what they completed and still have pending, and how far apart their asylum grant rates are. The courts, not the state’s residents: a detention court hears cases from far outside it.

  • Farm program payments Farm subsidies

    What the Farm Service Agency paid through the state’s county offices, by program and by recipient. The offices that administered the payments, not a count of farms: a recipient addressed elsewhere is counted where they were paid.

  • Paycheck Protection Program loans PPP loans

    The PPP loans SBA guaranteed to businesses operating in the state, by county, with how many carry a forgiveness amount and how many were charged off. Loans, not businesses: a business with two draws is two loans.

  • Public schools Schools

    Pupils, schools and teachers, the largest districts, what districts spend per pupil and where the money comes from, and the colleges that take federal student aid.

  • Banks and credit unions Banks and credit unions

    The FDIC-insured banks headquartered in the state and their offices, and the credit unions based there and their sites, each per resident and against every other state.

  • Housing Housing

    The homes under HUD’s rental assistance programs in the state, by program and county, and its tax-credit housing, each per resident and against every other state.

  • College athletics Sports

    Every college in the state that reported to the Equity in Athletics survey, ranked by its athletics revenue, with its expenses, athletes and athletic aid.

  • Federal civilian workforce Federal salaries

    Federal civilian employees stationed in the state by agency and occupation, with the pay OPM publishes and the share it withholds.

  • The North Carolina Factbook entry Across the Factbook

    Every measure the Factbook publishes for this state in one place, each with where it ranks among the others and the record it came from.

The immigration link above is EOIR’s courts, which sit in this state. CBP’s encounters are not by state and will not be: its sectors and field offices are areas of responsibility rather than a geography, and assigning them to states would be a claim the data does not make. Immigration and the border.

More about North Carolina →

Sources

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