North Carolina Mortgage & Lending Intelligence

Snapshot metrics

HMDA 2025 North Carolina

484,454 applications, 279,735 originations, 86,923 denials as 17.94% of 484,454 total applications (numerator 86,923 denial observations ÷ denominator 484,454 total HMDA applications; not a decision-based denial rate and not lender quality). Purchase 222,400, refinance 159,382, other purpose 102,672. Conventional 360,738, FHA 62,540, VA 59,290, USDA/other 1,886. Mix bars are application shares, not quality. A separate LEI-cell grain is 478,702 applications / 279,735 originations / 84,978 denials across 1,121 distinct LEIs (county-market minus LEI-cell applications 5,752). Distinct LEIs are not licensed North Carolina mortgage companies.

Current North Carolina mortgage licensing

NCCOB Licensee Search Show All currently lists 640 Mortgage Lender licenses, 574 Mortgage Broker licenses, 62 Mortgage Servicer licenses, and 104 Mortgage Origination Support Registration rows. Those four classes together are 1,380 current licensed entities — not a combined “North Carolina mortgage companies” or “lenders” headline. NCCOB license number is not an NMLS Unique ID; the Show All grid printed both identifiers on 1,380 rows (1,376 distinct NMLS IDs). DBA text is populated on 483 rows and is not a company count. A Services Loan = Yes flag appears on 277 company rows and is not the servicer census. Reverse-mortgage certificates are a separate list of 112 RM numbers and are not added to the 640 lenders. Official MLO Show All matching records are 24,612; distinct NCCOB/NMLS person IDs were not fully paged. An MLO is not a company. Previous and exempt entities remain search-only. Verify current status on NCCOB Licensee Search and NMLS Consumer Access.

CFPB North Carolina mortgage complaints (2025)

920 distinct complaint IDs for product Mortgage and state NC in calendar year 2025. A consumer complaint is not a regulator finding and is not a quality score. Company name is not an NMLS identity. No name-only attachments. CFPB Consumer Complaint Database

NCCOB complaints and mortgage enforcement

NCCOB accepts residential mortgage complaints within its jurisdiction, but no public bulk complaint dataset was acquired (INTAKE_AVAILABLE / BULK_NOT_PUBLIC). Missing is not zero. NCCOB intake is not the CFPB database. The Mortgage Enforcement Actions search returned 723 documents across 693 distinct docket numbers used as matter identity (693 unique matters). A document is not a unique matter. One respondent may have multiple dockets. Do not dedupe by respondent name. Action types are source-native (Consent Order is the largest class). A consent order is not a criminal conviction. A suspension is not a permanent revocation. A notice of hearing is not a final finding. Person respondents are not company lender matters. The grid did not publish NCCOB license or NMLS IDs, so exact enforcement attachments are 0. NCCOB Mortgage Enforcement Actions

NCHFA participating lenders

The North Carolina Housing Finance Agency publishes a radius-based lender finder, not a bounded statewide participating-lender census in this snapshot. Search-only is not zero. NCHFA participation is a housing-program relationship, not NCCOB licensure. An NCHFA loan-officer listing is not an MLO census. NCHFA “preferred loan officer” and “top lender” awards are the Agency’s own program language, not LenderTrustHub rankings. Names were not attached to NMLS by name alone. NCHFA find a lender

FDIC North Carolina depositories

91 institutions in the existing FDIC overlay (as of 2026-06-26). A bank is not an NCCOB non-bank mortgage licensee. Headquarters is not HMDA North Carolina activity. State-chartered bank and credit-union populations stay separate from the mortgage-license population.

What these numbers do not mean

• HMDA application ≠ lender. Property geography ≠ headquarters, license jurisdiction, or service territory.
• HMDA reporting LEI ≠ North Carolina NCCOB/NMLS license. Distinct HMDA institutions are not licensed mortgage companies.
• FDIC CERT ≠ NCCOB mortgage license. Depository ≠ mortgage lender. Bank ≠ mortgage broker.
• NCHFA participation ≠ NCCOB mortgage-license universe. Preferred/top is NCHFA language, not a TrustHub ranking.
• Lender ≠ broker ≠ servicer ≠ MOSR ≠ MLO. Do not add 640 + 574 + 62 + 104 as “North Carolina lenders.”
• 1,380 current licensed entities ≠ North Carolina mortgage companies. Reverse certificates ≠ the 640 lenders.
• CFPB complaints ≠ NCCOB orders. Do not add them into one adverse total. Search-only and missing ≠ zero.
• No Trust Score, paid ranking, or best/safest/vetted conclusions.