Applications / Mortgage Analytics / Lenders / North Carolina / Wolfe Financial
Asheboro, NC · Independent non-bank lender · CFPB · 1,161 loans in 2025
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1,161
loans originated, 2025
1,819
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wolfe Financial, a North Carolina mortgage company lending in 12 states, makes mostly home-purchase loans, many of them government-backed and to borrowers of modest means.
Home purchases made up 87.1% of its 1,161 loans. Loans insured by the Federal Housing Administration (FHA) were 33.6%, against 22.0% at similar lenders, meaning independent mortgage companies making between half and twice as many loans. Loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) were 4.0%, higher than at almost all of them.
Its typical loan was $235,000, against $315,000 at similar lenders, smaller than at nine in ten of them. A third of its borrowers, 33.2%, had low or moderate incomes (LMI), against 27.6%.
It denied 3.1% of first-lien refinance applications, about half the 6.1% at similar lenders. Its denial rate on purchase applications, 3.0%, was close to their 3.4%.
Its loans fell from 3,179 in 2020 to 1,093 in 2023, and have edged up since, by 1% in 2025 to 1,161. It lends in 64 metros. In Greensboro-High Point its share rose from 0.6% to 0.7%, ranking 33 of 469.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wolfe Financial took 1,819 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.1% · Refinance 12.9%
Conventional 53.7% · FHA 33.6% · VA 8.7% · USDA (RHS or FSA) 4.0% · of 1,161 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Indiana | 474 | 40.8% |
| North Carolina | 166 | 14.3% |
| Texas | 111 | 9.6% |
| Tennessee | 98 | 8.4% |
| Alabama | 73 | 6.3% |
| Louisiana | 65 | 5.6% |
| Florida | 60 | 5.2% |
| Wisconsin | 44 | 3.8% |
| Georgia | 25 | 2.2% |
| Illinois | 18 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 175 |
| Greensboro-High Point | 115 |
| Memphis | 58 |
| Baton Rouge | 52 |
| Houston-Pasadena-The Woodlands | 51 |
| Terre Haute | 49 |
| Florence-Muscle Shoals | 43 |
| Killeen-Temple | 35 |
| Ocala | 25 |
| Knoxville | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005XMJQ1GSXUGT67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4185400 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7262429669 |
Established 8 May 2008. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Wolfe Financial's data.
Wolfe Financial's data
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