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Loandepot.com, LLC in North Carolina

HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina overview

LEI 549300AG64NHILB7ZP05
Reporting agency Department of Housing and Urban Development
State North Carolina

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

In North Carolina, Loandepot.com, LLC reported 6,847 applications and 4,024 originations for 2024, $1.1bn in all.

Its denial rate in the state was 25.1%, close to the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 29.1%.

The median rate spread on its North Carolina originations was 0.1 percentage points (state median 0.2).

Applications in the state were up 23% on 2023.

6,847applications in NC, 20244.8% of the lender's total
4,024loans originated$1.1bn
25.1%denial rateNC all lenders 24.0%
0.1 ppmedian rate spreadNC 0.2 pp

Compared with the state and the lender's national record

MeasureIn North CarolinaNorth Carolina, all lendersLoandepot.com, LLC, all statesUnited States
Denial rate25.1%24.0%29.1%24.3%
Median rate spread, pp0.10.20.30.3
Originations with spread of 1.5 pp or more10.3%11.8%16.9%15.6%
Average originated loan$265k$299k$300k$329k
Home purchase share51.8%56.3%51.5%57.0%
FHA-insured share28.6%11.8%26.4%13.4%
VA-guaranteed share12.5%11.8%10.4%7.9%

Trend by year

ApplicationsOriginations

04668.59,3372022: 9,337 Applications2023: 5,585 Applications2024: 6,847 Applications2022: 5,861 Originations2023: 3,453 Originations2024: 4,024 Originations202220232024
Loandepot.com, LLC in North Carolina: applications and originations, 2022–2024

This lender in stateNorth Carolina, all lenders

0%12.6%25.1%2022: 21.6% This lender in state2023: 24.1% This lender in state2024: 25.1% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in North Carolina

By purpose

Home purchase 52% (2,084)Home improvement 3% (137)Refinancing 5% (185)Cash-out refinancing 26% (1,036)Other purpose 14% (582)

By type

Conventional 59% (2,363)FHA 29% (1,151)VA 13% (505)USDA 0% (5)

Denial reasons as coded

Debt-to-income ratio27.6%
Collateral27.6%
Unverifiable information16.3%
Credit history10.8%
Credit application incomplete8.8%
Other6.1%
Insufficient cash (downpayment, closing costs)1.9%
Employment history0.9%
Mortgage insurance denied0%

Share of 1,378 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in North Carolina

CountyApplicationsOriginationsAmountDenial rate
Mecklenburg County1,131716$213m21.0%
Wake County714436$146m18.9%
Cabarrus County408325$94m9.4%
Gaston County332193$62m18.1%
Iredell County278189$62m16.6%
Alamance County223177$44m14.1%
Guilford County289155$33m32.3%
Cumberland County203103$21m30.8%
Durham County15999$29m22.9%
Union County17696$28m27.5%
Harnett County14492$24m21.8%
Brunswick County16390$22m29.5%
Granville County12674$18m21.3%
Forsyth County15671$11m40.0%
Franklin County10269$18m15.9%
Cleveland County12164$15m34.0%
Buncombe County11162$15m32.3%
Stanly County8661$14m19.5%
Johnston County9246$11m32.4%
Person County8345$11m23.3%
Catawba County6543$9.6m20.0%
Onslow County7341$8.3m26.7%
Rowan County8237$6.8m39.7%
Davidson County6234$7.4m30.8%
New Hanover County6832$7.8m19.0%
Randolph County5731$4.2m27.9%
Pitt County5631$5.2m26.7%
Craven County4831$5.1m11.4%
Nash County6329$7.6m38.3%
Moore County4826$7.8m32.5%
Hoke County4925$7.0m37.5%
Wayne County4224$4.3m24.2%
Chatham County3523$6.5m17.9%
Rockingham County4022$2.3m29.4%
Lincoln County4420$3.8m37.5%
Caldwell County4120$4.0m32.3%
Henderson County3820$5.5m31.0%
Rutherford County3618$3.9m40.0%
Burke County3116$3.2m36.0%
Wilson County3015$2.4m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Loandepot.com, LLC originate in North Carolina in 2024?

4,024 loans totalling $1.1bn, from 6,847 applications reported for properties in North Carolina.

What is Loandepot.com, LLC's denial rate in North Carolina?

25.1% of decided applications in North Carolina were denied, against 24.0% for all lenders in the state and 29.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which North Carolina counties does Loandepot.com, LLC lend in most?

By originations: Mecklenburg County (716), Wake County (436), Cabarrus County (325), Gaston County (193), Iredell County (189).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in North Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.