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Camden County, North Carolina · 2025

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

116 lenders acted on 723 mortgage applications for properties in Camden County in 2025. 16.9% were denied (North Carolina: 18.1%). Median rate on closed loans 6.38%; median loan $315,000; median property value $425,000.

723Applications
16.9%Denial ratestate 18.1%
6.38%Median ratestate 6.50%
$315,000Median loan
$425,000Median property value

Largest lenders in Camden County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Navy Federal Credit Union D 9049 18.9%7.25%
2 NVR Mortgage Finance B 5226 25.0%5.88%
3 Freedom Mortgage B 4119 2.4%5.75%
4 Rocket Mortgage C 4029 20.0%6.88%
5 State Employees' C 3923 25.6%6.50%
6 Mortgage Research Center C 3718 10.8%6.13%
7 United Shore Financial Services B 2619 7.7%6.13%
8 Southern Trust Mortgage B 2418 0.0%6.38%
9 Pennymac Loan Services C 167 18.8%5.50%
10 Truist Bank C 149 14.3%6.74%
11 Newrez D 144 14.3%6.19%
12 Southern Bank and Trust A 1411 7.1%7.00%
13 American Neighborhood Mortgage Acceptance Company B 1311 0.0%6.50%
14 Atlantic Coast Mortgage A 1312 0.0%6.75%
15 Vanderbilt Mortgage and Finance F 130 53.9%—
16 Movement Mortgage A 1210 0.0%6.25%
17 Towne Bank B 1211 0.0%6.99%
18 Atlantic Union Bank C 117 27.3%8.00%
19 Loandepot.Com D 116 27.3%5.99%
20 ABNB Federal Credit Union D 94 44.4%7.12%
21 Advance Financial Group B 97 0.0%6.50%
22 AmeriSave Mortgage D 81 50.0%10.38%
23 PNC Bank D 72 57.1%7.23%
24 New Day Financial F 71 57.1%6.87%
25 First-Citizens Bank & Trust B 64 33.3%7.49%

Best approval odds in Camden County

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

#LenderDecidedDecision denial rate
1Navy Federal Credit Union6625.8%

What Camden County borrowers applied for

By loan purpose

Home purchase 315 44% · 9.2% denied
Refinance 124 17% · 8.9% denied
Cash-out refinance 129 18% · 24.0% denied
Home improvement 80 11% · 32.5% denied
Other / HELOC 75 10% · 33.3% denied

By loan type

Conventional 367 51% · 22.3% denied
FHA 118 16% · 15.3% denied
VA 237 33% · 9.3% denied
USDA / RHS 1 0% · 0.0% denied

Why applications were denied

Credit history 46 38%
Debt-to-income ratio 33 27%
Collateral 17 14%
Incomplete application 12 10%
Unverifiable information 7 6%
Other 5 4%
Insufficient cash 1 1%
Employment history 1 1%

Camden County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202352928721.4%6.75%$215,000
202459334718.7%6.75%$235,000
202572341716.9%6.38%$315,000

Frequently asked questions

16.9% of applications in Camden County were denied in 2025, against 18.1% statewide in North Carolina.

Navy Federal Credit Union, with 90 applications in 2025 and a denial rate of 18.9%.

The median mortgage application in Camden County in 2025 was for $315,000; the median property value on originated loans was $425,000.