NC · Statewide HMDA 2024
North Carolina mortgage lending
According to the CFPB HMDA 2024 Snapshot, 1,113 reporting lenders · 100 counties · 16 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, North Carolina ranks #4 of 54 by application volume but #31 of 52 states with 10,000+ applications on origination share (51.9%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #31
- Origination-share rank of 52
- 51.9%
- Origination share
- 256,452
- Originated
- 17.3%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
494,037reported applications
CFPB HMDA state filing plate
State NC · North Carolina 17.3% denial
VOL-HEAVY · DEN-MID · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-HEAVY #4/54
- DEN-MID 17.3%
- PHOTO-FINISH Ohio
- ORIG-FLOOR 51.9%
- BOOK-FULL 1113 lenders
- LEAD-MIX 11% top
Photo-finish peer: Ohio · 17.3% denial (+0.0pp vs North Carolina)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · North Carolina
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for North Carolina: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (17.3% here).
Similar application volume
Nearest states by HMDA applications filed (494,037 here).
Top lenders by originations · North Carolina
Funded loans among HMDA-reporting institutions active in this state.
Where North Carolina sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
494,037 Top 7% higher than 93% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · North Carolina
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. North Carolina filed 494,037 HMDA-reported applications in 2024 (#4 of 54 by volume) with a 17.3% denial rate - near the national 17.2% baseline. White applicants (265,553 apps) show 16.7% denial; Black or African American applicants (64,783 apps) show 28.9% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in North Carolina
Top HMDA-reporting lenders active in North Carolina. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 27,195 | 10.6% |
| 2 | Rocket Mortgage | 16,145 | 6.3% |
| 3 | United Wholesale Mortgage | 10,318 | 4.0% |
| 4 | Movement Mortgage, LLC | 8,310 | 3.2% |
| 5 | First Ciitizens Bank and Trust | 7,746 | 3.0% |
Reported outcomes by applicant race in North Carolina
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 265,553 | 61.6% | 16.7% |
| Black or African American | 64,783 | 46.3% | 28.9% |
| Asian | 25,139 | 62.1% | 12.9% |
| Joint | 8,510 | 61.7% | 15.5% |
| American Indian or Alaska Native | 3,729 | 40.5% | 30.6% |
| 2 or more minority races | 1,340 | 41.3% | 31.2% |
| Native Hawaiian or Other Pacific Islander | 833 | 45.4% | 31.3% |
Every county in North Carolina, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Wake County | 55,169 | 29,958 | 13.9% | $372,076 |
| Mecklenburg County | 51,798 | 27,489 | 16.1% | $414,867 |
| Guilford County | 21,378 | 11,246 | 20.0% | $224,586 |
| Cumberland County | 17,212 | 8,216 | 16.4% | $223,032 |
| Forsyth County | 15,793 | 8,650 | 18.0% | $247,720 |
| Johnston County | 13,935 | 7,556 | 15.0% | $250,864 |
| Union County | 13,666 | 7,200 | 16.5% | $320,752 |
| Brunswick County | 13,015 | 6,902 | 15.1% | $288,946 |
| Onslow County | 12,858 | 6,580 | 13.3% | $244,409 |
| Durham County | 12,767 | 6,925 | 15.1% | $301,735 |
| Cabarrus County | 12,584 | 6,652 | 16.6% | $285,451 |
| Gaston County | 12,472 | 6,456 | 17.3% | $244,343 |
| Iredell County | 11,307 | 6,075 | 15.2% | $303,409 |
| New Hanover County | 11,024 | 6,001 | 14.7% | $346,238 |
| Harnett County | 9,708 | 4,899 | 14.4% | $265,501 |
| Buncombe County | 9,351 | 4,896 | 18.0% | $380,016 |
| Davidson County | 8,527 | 4,647 | 17.9% | $199,015 |
| Alamance County | 8,277 | 4,492 | 19.5% | $242,783 |
| Catawba County | 7,726 | 4,234 | 15.8% | $222,114 |
| Pitt County | 6,963 | 3,528 | 19.8% | $200,858 |
| Rowan County | 6,934 | 3,591 | 18.0% | $208,352 |
| Moore County | 5,940 | 3,246 | 13.9% | $338,907 |
| Randolph County | 5,761 | 2,966 | 21.2% | $170,660 |
| Craven County | 5,493 | 2,813 | 16.6% | $218,088 |
| Wayne County | 5,070 | 2,469 | 19.1% | $190,694 |
| Henderson County | 5,040 | 2,626 | 19.4% | $257,744 |
| Pender County | 4,776 | 2,346 | 16.3% | $297,341 |
| Lincoln County | 4,766 | 2,532 | 15.4% | $265,577 |
| Franklin County | 4,618 | 2,333 | 17.1% | $251,754 |
| Nash County | 4,416 | 2,128 | 21.4% | $195,793 |
| Orange County | 4,386 | 2,407 | 15.4% | $336,101 |
| Cleveland County | 4,369 | 2,107 | 22.0% | $182,393 |
| Rockingham County | 4,154 | 2,018 | 21.9% | $168,989 |
| Hoke County | 4,052 | 1,924 | 13.6% | $255,982 |
| Carteret County | 4,017 | 2,176 | 15.4% | $319,782 |
| Robeson County | 3,692 | 1,269 | 31.0% | $155,980 |
| Chatham County | 3,423 | 1,970 | 15.2% | $363,738 |
| Burke County | 3,324 | 1,753 | 18.5% | $189,699 |
| Stanly County | 3,150 | 1,751 | 17.2% | $210,076 |
| Wilson County | 3,066 | 1,538 | 21.2% | $193,311 |
| Lee County | 3,046 | 1,575 | 17.1% | $234,137 |
| Caldwell County | 2,977 | 1,667 | 17.2% | $191,150 |
| Dare County | 2,815 | 1,527 | 16.1% | $389,252 |
| Haywood County | 2,700 | 1,357 | 18.3% | $244,774 |
| Rutherford County | 2,623 | 1,305 | 20.5% | $193,551 |
| Currituck County | 2,611 | 1,328 | 14.9% | $374,322 |
| Granville County | 2,533 | 1,239 | 21.8% | $218,924 |
| Pasquotank County | 2,451 | 1,152 | 17.0% | $237,093 |
| Surry County | 2,375 | 1,262 | 19.1% | $173,400 |
| Davie County | 2,022 | 1,114 | 16.6% | $217,547 |
| Sampson County | 2,001 | 838 | 26.9% | $176,139 |
| Stokes County | 1,965 | 1,047 | 19.0% | $183,982 |
| Columbus County | 1,876 | 720 | 28.9% | $159,611 |
| Wilkes County | 1,875 | 936 | 22.2% | $180,061 |
| Lenoir County | 1,840 | 846 | 23.5% | $153,212 |
| Person County | 1,741 | 874 | 19.2% | $204,362 |
| Watauga County | 1,720 | 979 | 14.8% | $349,547 |
| Beaufort County | 1,675 | 841 | 20.6% | $199,299 |
| McDowell County | 1,584 | 775 | 20.6% | $221,035 |
| Macon County | 1,550 | 830 | 17.8% | $272,316 |
| Edgecombe County | 1,531 | 683 | 26.6% | $144,334 |
| Cherokee County | 1,459 | 805 | 16.3% | $192,937 |
| Duplin County | 1,449 | 579 | 28.3% | $162,226 |
| Halifax County | 1,374 | 532 | 30.9% | $154,614 |
| Richmond County | 1,365 | 578 | 27.8% | $147,022 |
| Jackson County | 1,344 | 685 | 21.0% | $365,313 |
| Transylvania County | 1,306 | 685 | 20.2% | $312,718 |
| Yadkin County | 1,246 | 677 | 20.1% | $171,340 |
| Vance County | 1,205 | 534 | 25.2% | $167,017 |
| Alexander County | 1,163 | 609 | 18.6% | $203,564 |
| Scotland County | 1,100 | 401 | 30.9% | $142,473 |
| Montgomery County | 1,022 | 503 | 22.0% | $218,679 |
| Ashe County | 953 | 522 | 16.9% | $231,149 |
| Bladen County | 906 | 328 | 28.7% | $162,550 |
| Avery County | 896 | 473 | 18.3% | $335,737 |
| Polk County | 821 | 401 | 20.5% | $276,267 |
| Madison County | 816 | 392 | 19.5% | $252,966 |
| Caswell County | 775 | 350 | 25.2% | $164,265 |
| Anson County | 749 | 312 | 28.4% | $167,977 |
| Warren County | 718 | 337 | 22.3% | $245,585 |
| Camden County | 685 | 347 | 16.2% | $258,504 |
| Perquimans County | 647 | 310 | 19.0% | $218,478 |
| Martin County | 646 | 262 | 25.5% | $133,916 |
| Chowan County | 589 | 307 | 19.4% | $196,952 |
| Yancey County | 589 | 274 | 21.7% | $236,986 |
| Pamlico County | 567 | 295 | 16.6% | $241,261 |
| Mitchell County | 526 | 233 | 24.1% | $181,787 |
| Swain County | 522 | 263 | 22.6% | $256,015 |
| Clay County | 504 | 269 | 18.6% | $214,881 |
| Northampton County | 504 | 199 | 32.3% | $171,567 |
| Greene County | 501 | 210 | 28.9% | $159,251 |
| Bertie County | 447 | 175 | 27.3% | $147,595 |
| Alleghany County | 422 | 227 | 18.0% | $202,488 |
| Hertford County | 420 | 172 | 28.3% | $138,476 |
| Gates County | 420 | 159 | 26.4% | $184,119 |
| Jones County | 359 | 156 | 27.0% | $191,685 |
| Graham County | 294 | 154 | 25.5% | $197,381 |
| Washington County | 285 | 129 | 24.9% | $127,140 |
| Hyde County | 114 | 48 | 27.2% | $212,895 |
| Tyrrell County | 108 | 49 | 28.7% | $137,870 |
Metro Areas in North Carolina
Frequently Asked Questions
How many mortgage applications were filed in North Carolina?
Where does North Carolina sit among U.S. states for mortgage volume?
What is the mortgage denial rate in North Carolina?
What is the average mortgage loan amount in North Carolina?
How many mortgage lenders operate in North Carolina?
How do mortgage denial rates vary by demographics in North Carolina?
Which counties in North Carolina have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.