Largest lenders in Alexander County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 173 | 109 | 19.1% | 6.25% |
| 2 | Rocket Mortgage | C | 90 | 62 | 17.8% | 6.50% |
| 3 | Vanderbilt Mortgage and Finance | F | 65 | 5 | 32.3% | 9.50% |
| 4 | Atlantic Bay Mortgage Group | A | 58 | 51 | 0.0% | 6.49% |
| 5 | Truist Bank | C | 53 | 27 | 30.2% | 6.75% |
| 6 | Taylorsville Savings Bank | B | 46 | 36 | 15.2% | — |
| 7 | First-Citizens Bank & Trust | B | 38 | 21 | 34.2% | 6.60% |
| 8 | First Community Bank | F | 38 | 18 | 34.2% | 6.50% |
| 9 | Movement Mortgage | A | 36 | 23 | 5.6% | 6.63% |
| 10 | Peoples Bank | C | 30 | 18 | 26.7% | 7.38% |
| 11 | Mortgage Research Center | C | 29 | 14 | 10.3% | 6.19% |
| 12 | Crosscountry Mortgage | B | 28 | 17 | 0.0% | 6.63% |
| 13 | United Shore Financial Services | B | 27 | 15 | 11.1% | 6.13% |
| 14 | Freedom Mortgage | B | 26 | 5 | 3.9% | 6.25% |
| 15 | Pennymac Loan Services | C | 21 | 9 | 9.5% | 6.50% |
| 16 | AmeriSave Mortgage | D | 21 | 9 | 47.6% | 7.88% |
| 17 | Highlands Residential Mortgage | B | 20 | 13 | 0.0% | 6.63% |
| 18 | Alcova Mortgage | A | 17 | 14 | 5.9% | 6.49% |
| 19 | Loandepot.Com | D | 17 | 8 | 41.2% | 7.63% |
| 20 | Bank of America | F | 15 | 4 | 33.3% | 6.25% |
| 21 | Fairway Independent Mortgage | B | 15 | 11 | 6.7% | 6.75% |
| 22 | Navy Federal Credit Union | D | 14 | 8 | 14.3% | 7.06% |
| 23 | Lower | C | 13 | 11 | 7.7% | 6.13% |
| 24 | Broker Solutions | D | 12 | 0 | 8.3% | — |
| 25 | Newrez | D | 11 | 4 | 0.0% | 6.25% |
Best approval odds in Alexander County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Atlantic Bay Mortgage Group | 51 | 0.0% |
| 2 | Rocket Mortgage | 83 | 19.3% |
| 3 | State Employees' | 142 | 23.2% |
What Alexander County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Alexander County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,063 | 595 | 20.9% | 6.75% | $155,000 |
| 2024 | 1,084 | 609 | 19.9% | 6.90% | $165,000 |
| 2025 | 1,252 | 685 | 18.4% | 6.50% | $175,000 |
Frequently asked questions
18.4% of applications in Alexander County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 173 applications in 2025 and a denial rate of 19.1%.
The median mortgage application in Alexander County in 2025 was for $175,000; the median property value on originated loans was $295,000.