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Catawba County, North Carolina · 2025

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

357 lenders acted on 8,127 mortgage applications for properties in Catawba County in 2025. 16.5% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $205,000; median property value $325,000.

8.1kApplications
16.5%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$205,000Median loan
$325,000Median property value

Largest lenders in Catawba County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 818530 20.5%6.15%
2 Rocket Mortgage C 531401 15.1%6.63%
3 Truist Bank C 380221 26.8%6.74%
4 Dhi Mortgage Company B 375280 9.6%5.50%
5 Peoples Bank C 348212 27.9%7.25%
6 Vanderbilt Mortgage and Finance F 26115 38.7%9.05%
7 United Shore Financial Services B 259186 14.3%6.13%
8 Atlantic Bay Mortgage Group A 242185 1.7%6.63%
9 First-Citizens Bank & Trust B 202136 21.3%6.38%
10 Crosscountry Mortgage B 178119 3.9%6.63%
11 Movement Mortgage A 163118 1.2%6.75%
12 Loandepot.Com D 161110 18.0%5.88%
13 Bank of America F 15473 33.8%6.25%
14 Lennar Mortgage A 128104 9.4%6.13%
15 Fairway Independent Mortgage B 11788 3.4%6.75%
16 Pennymac Loan Services C 11060 8.2%6.12%
17 Freedom Mortgage B 10956 6.4%6.25%
18 Mortgage Research Center C 10652 15.1%6.31%
19 Highlands Residential Mortgage B 10173 0.0%6.75%
20 Newrez D 9935 13.1%6.38%
21 Alcova Mortgage A 8966 2.3%6.63%
22 Inspire Home Loans B 8958 7.9%6.38%
23 Guild Mortgage A 8051 2.5%6.63%
24 AmeriSave Mortgage D 7926 50.6%6.81%
25 Broker Solutions D 7531 6.7%6.75%

Best approval odds in Catawba County

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

#LenderDecidedDecision denial rate
1Highlands Residential Mortgage770.0%
2Movement Mortgage1391.4%
3Mutual of Omaha Mortgage512.0%
4Atlantic Bay Mortgage Group1912.1%
5Alcova Mortgage792.5%
6Guild Mortgage673.0%
7Fairway Independent Mortgage964.2%
8Crosscountry Mortgage1285.5%
9Freedom Mortgage719.9%
10Inspire Home Loans7010.0%

What Catawba County borrowers applied for

By loan purpose

Home purchase 3,972 49% · 9.3% denied
Refinance 1,145 14% · 16.9% denied
Cash-out refinance 1,392 17% · 21.1% denied
Home improvement 737 9% · 29.6% denied
Other / HELOC 881 11% · 30.4% denied

By loan type

Conventional 6,033 74% · 17.6% denied
FHA 1,396 17% · 14.5% denied
VA 649 8% · 10.8% denied
USDA / RHS 49 1% · 16.3% denied

Why applications were denied

Debt-to-income ratio 436 33%
Credit history 385 29%
Collateral 165 12%
Incomplete application 147 11%
Other 96 7%
Unverifiable information 76 6%
Insufficient cash 23 2%
Employment history 11 1%

Catawba County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,6674,05317.7%6.75%$155,000
20247,0634,23517.3%6.88%$175,000
20258,1274,89716.5%6.50%$205,000

Frequently asked questions

16.5% of applications in Catawba County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 818 applications in 2025 and a denial rate of 20.5%.

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