refinance lenders · HMDA 2023–2025

Refinance lenders in Cleveland County, North Carolina

Fat Boy Data analyzed mortgage refinance activity in Cleveland County, North Carolina to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,028 applications were decided by 108 lenders between 2023 and 2025.

Cleveland County at a glance

108Active lenders14 with 20+ decisions
73.9%Market approval rate760 of 1,028 decided
$105KTypical loanmedian lender, $10K brackets
94%Borrower take-up717 loans funded

How Cleveland County compares

Approval rate compared
Cleveland County73.9%North Carolina77.3%All 616 counties76.5%
Typical loan compared
Cleveland County$105KNorth Carolina$205KAll 616 counties$295K

What the data shows

State Employees' made the most mortgage refinances in Cleveland County, NC, 150 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 94% of 31.

The typical mortgage refinance here is $105K, 49% smaller than the North Carolina typical of $205K.

Approval rate of all 14 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 18% approved of 22Civic Federal Credit Union: 57% approved of 21Truliant Federal Credit Union: 61% approved of 89Bank OZK: 67% approved of 48Truist Bank: 75% approved of 67HomeTrust Bank: 76% approved of 45State Employees': 77% approved of 195Fifth Third Bank, National Association: 82% approved of 28Rocket Mortgage, LLC: 84% approved of 58United Wholesale Mortgage, LLC: 86% approved of 63The Fidelity Bank: 91% approved of 32Pennymac Loan Services, LLC: 92% approved of 24Freedom Mortgage Corporation: 94% approved of 31Village Capital & Investment LLC: 100% approved of 26

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Cleveland County

LenderApprovalApprovedTaken upTypical loanLoans made
1State Employees'77%150 / 195100%$105K150
2Truliant Federal Credit Union61%54 / 8998%$105K53
3Truist Bank75%50 / 6796%$105K48
4United Wholesale Mortgage, LLCBroker only86%54 / 6387%$285K47
5Rocket Mortgage, LLC84%49 / 5898%$195K48

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 103 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Cleveland County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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