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Alamance County, North Carolina · 2025

Mortgage lenders in Alamance County, NC: denial rates and top lenders (2025)

336 lenders acted on 8,188 mortgage applications for properties in Alamance County in 2025. 19.9% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $205,000; median property value $325,000.

8.2kApplications
19.9%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$205,000Median loan
$325,000Median property value

Largest lenders in Alamance County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 1,153707 22.1%6.25%
2 Truliant Federal Credit Union D 694334 39.8%7.25%
3 Dhi Mortgage Company B 433306 14.1%5.19%
4 Rocket Mortgage C 349237 19.2%6.63%
5 Vanderbilt Mortgage and Finance F 27244 47.4%5.75%
6 Movement Mortgage A 218174 2.8%6.63%
7 Truist Bank C 200112 33.0%6.80%
8 United Shore Financial Services B 192139 13.5%6.13%
9 Union Home Mortgage B 173136 2.3%6.63%
10 Crosscountry Mortgage B 14299 2.1%6.50%
11 Pinnacle Bank B 13799 13.1%6.38%
12 Freedom Mortgage B 13357 12.8%6.25%
13 Mortgage Research Center C 12963 14.7%6.25%
14 Loandepot.Com D 12485 21.0%5.88%
15 First National Bank of Pennsylvania B 11885 17.0%6.49%
16 Lennar Mortgage A 11193 8.1%5.50%
17 Navy Federal Credit Union D 11049 24.6%7.00%
18 Pennymac Loan Services C 10552 6.7%5.99%
19 Atlantic Bay Mortgage Group A 10490 1.0%6.63%
20 Newrez D 10145 19.8%6.50%
21 Bank of America F 9743 29.9%5.99%
22 The Fidelity Bank B 9372 15.1%7.25%
23 Kbhs Home Loans B 9066 4.4%5.88%
24 COASTAL Federal Credit Union C 7436 39.2%7.61%
25 Broker Solutions D 7425 9.5%6.75%

Best approval odds in Alamance County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Coastal Community Bank530.0%
2Atlantic Bay Mortgage Group911.1%
3Union Home Mortgage1462.7%
4Crosscountry Mortgage1032.9%
5Movement Mortgage1993.0%
6Fairway Independent Mortgage565.4%
7Kbhs Home Loans705.7%
8Highlands Residential Mortgage547.4%
9Lennar Mortgage1028.8%
10Pennymac Loan Services6211.3%

What Alamance County borrowers applied for

By loan purpose

Home purchase 3,894 48% · 11.3% denied
Refinance 1,140 14% · 18.3% denied
Cash-out refinance 1,314 16% · 26.0% denied
Home improvement 895 11% · 35.9% denied
Other / HELOC 945 12% · 33.5% denied

By loan type

Conventional 6,083 74% · 21.7% denied
FHA 1,410 17% · 15.6% denied
VA 679 8% · 13.1% denied
USDA / RHS 16 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 536 33%
Credit history 480 30%
Collateral 173 11%
Other 142 9%
Incomplete application 134 8%
Unverifiable information 121 7%
Insufficient cash 30 2%
Employment history 11 1%

Alamance County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20237,1474,19120.8%6.75%$155,000
20247,6644,49621.1%6.88%$175,000
20258,1884,83719.9%6.50%$205,000

Frequently asked questions

19.9% of applications in Alamance County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 1,153 applications in 2025 and a denial rate of 22.1%.

The median mortgage application in Alamance County in 2025 was for $205,000; the median property value on originated loans was $325,000.