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Caldwell County, North Carolina · 2025

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

228 lenders acted on 3,317 mortgage applications for properties in Caldwell County in 2025. 19.0% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $155,000; median property value $295,000.

3.3kApplications
19.0%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$155,000Median loan
$295,000Median property value

Largest lenders in Caldwell County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 628364 22.6%6.25%
2 Crosscountry Mortgage B 260193 2.3%6.63%
3 Rocket Mortgage C 225167 16.9%6.88%
4 First-Citizens Bank & Trust B 12280 23.8%6.49%
5 Truist Bank C 12073 27.5%6.70%
6 Vanderbilt Mortgage and Finance F 1067 43.4%9.50%
7 Atlantic Bay Mortgage Group A 9375 1.1%6.63%
8 United Shore Financial Services B 8753 18.4%5.88%
9 First Horizon Bank B 6029 38.3%7.93%
10 Freedom Mortgage B 6032 10.0%6.25%
11 Mortgage Research Center C 5930 17.0%6.25%
12 AmeriSave Mortgage D 5011 70.0%6.75%
13 Loandepot.Com D 5026 26.0%6.93%
14 Highlands Residential Mortgage B 4833 6.3%6.75%
15 Guild Mortgage A 4735 6.4%6.63%
16 Skyline National Bank B 4641 4.4%—
17 Bank of America F 4522 26.7%6.25%
18 Movement Mortgage A 4533 2.2%6.75%
19 21st Mortgage F 413 70.7%11.39%
20 Broker Solutions D 4113 7.3%7.25%
21 Newrez D 4013 12.5%6.25%
22 Fairway Independent Mortgage B 3930 2.6%6.88%
23 Coastal Community Bank C 3715 0.0%10.24%
24 Pennymac Loan Services C 3217 3.1%6.12%
25 Navy Federal Credit Union D 3215 12.5%6.38%

Best approval odds in Caldwell County

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

#LenderDecidedDecision denial rate
1Atlantic Bay Mortgage Group761.3%
2Crosscountry Mortgage2003.0%
3Rocket Mortgage21118.0%
4United Shore Financial Services7321.9%
5First-Citizens Bank & Trust11325.7%
6State Employees'51127.8%
7Truist Bank10830.6%
8First Horizon Bank5244.2%
9Vanderbilt Mortgage and Finance5879.3%

What Caldwell County borrowers applied for

By loan purpose

Home purchase 1,319 40% · 11.3% denied
Refinance 520 16% · 16.4% denied
Cash-out refinance 685 21% · 22.8% denied
Home improvement 356 11% · 29.5% denied
Other / HELOC 437 13% · 31.1% denied

By loan type

Conventional 2,442 74% · 21.3% denied
FHA 570 17% · 14.2% denied
VA 265 8% · 11.3% denied
USDA / RHS 40 1% · 0.0% denied

Why applications were denied

Credit history 229 36%
Debt-to-income ratio 194 31%
Collateral 80 13%
Incomplete application 56 9%
Unverifiable information 29 5%
Other 26 4%
Insufficient cash 9 1%
Employment history 6 1%

Caldwell County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,8291,66718.6%6.75%$135,000
20242,7701,66718.6%6.88%$155,000
20253,3171,89619.0%6.50%$155,000

Frequently asked questions

19.0% of applications in Caldwell County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 628 applications in 2025 and a denial rate of 22.6%.

The median mortgage application in Caldwell County in 2025 was for $155,000; the median property value on originated loans was $295,000.