refinance lenders · HMDA 2023–2025

Refinance lenders in Union County, North Carolina

Fat Boy Data analyzed mortgage refinance activity in Union County, North Carolina, home to Indian Trail, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,006 applications were decided by 236 lenders between 2023 and 2025.

Union County at a glance

236Active lenders33 with 20+ decisions
77.5%Market approval rate3,106 of 4,006 decided
$245KTypical loanmedian lender, $10K brackets
95%Borrower take-up2,944 loans funded

How Union County compares

Approval rate compared
Union County77.5%North Carolina77.3%All 616 counties76.5%
Typical loan compared
Union County$245KNorth Carolina$205KAll 616 counties$295K

What the data shows

State Employees' made the most mortgage refinances in Union County, NC, 275 of them.

American Security Mortgage Corp. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 25.

The typical mortgage refinance here is $245K, 20% larger than the North Carolina typical of $205K.

Approval rate of all 33 lenders with 20+ decisions here
0%25%50%75%100%One lender: 31% approved of 74One lender: 47% approved of 60One lender: 62% approved of 21One lender: 64% approved of 92One lender: 66% approved of 29One lender: 66% approved of 82Truist Bank: 66% approved of 277One lender: 67% approved of 87One lender: 67% approved of 33One lender: 69% approved of 154One lender: 72% approved of 158One lender: 73% approved of 51One lender: 73% approved of 22State Employees': 73% approved of 378One lender: 74% approved of 38One lender: 76% approved of 21Bank of America, National Association: 76% approved of 237First-Citizens Bank & Trust Company: 79% approved of 266One lender: 82% approved of 33One lender: 83% approved of 190One lender: 88% approved of 24One lender: 88% approved of 33One lender: 90% approved of 29United Wholesale Mortgage, LLC: 90% approved of 398One lender: 91% approved of 22One lender: 92% approved of 26One lender: 95% approved of 37One lender: 95% approved of 93One lender: 95% approved of 21One lender: 96% approved of 81One lender: 97% approved of 63One lender: 100% approved of 25One lender: 100% approved of 22

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Union County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only90%360 / 39898%$425K351
2State Employees'73%277 / 37899%$105K275
3Truist Bank66%184 / 27795%$125K175
4First-Citizens Bank & Trust Company79%211 / 26695%$185K200
5Bank of America, National Association76%181 / 23799%$195K179

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

Fat Boy found 231 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Union County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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