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Chatham County, North Carolina · 2025

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

286 lenders acted on 3,509 mortgage applications for properties in Chatham County in 2025. 14.5% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $285,000; median property value $645,000.

3.5kApplications
14.5%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$285,000Median loan
$645,000Median property value

Largest lenders in Chatham County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 482301 17.0%6.25%
2 Truist Bank C 16596 26.1%6.29%
3 Rocket Mortgage C 165120 17.0%6.63%
4 United Shore Financial Services B 151123 8.0%6.25%
5 First-Citizens Bank & Trust B 12690 16.7%6.49%
6 Bank of America F 9750 18.6%6.13%
7 COASTAL Federal Credit Union C 9360 17.2%7.49%
8 The Fidelity Bank B 8767 8.1%7.50%
9 Movement Mortgage A 6747 1.5%6.38%
10 Vanderbilt Mortgage and Finance F 6312 33.3%9.50%
11 First National Bank of Pennsylvania B 5939 23.7%6.38%
12 Navy Federal Credit Union D 5929 13.6%7.00%
13 Pennymac Loan Services C 5431 5.6%5.75%
14 PNC Bank D 5428 25.9%6.56%
15 Taylor Morrison Home Funding A 5244 3.9%5.94%
16 Freedom Mortgage B 5125 7.8%6.25%
17 Fifth Third Bank D 4636 10.9%6.75%
18 Truliant Federal Credit Union D 4616 54.4%7.20%
19 Crosscountry Mortgage B 4432 2.3%6.13%
20 Corporate Investors Mortgage Group A 4440 2.3%6.63%
21 Newrez D 3913 18.0%6.13%
22 Loandepot.Com D 3523 14.3%6.63%
23 Coastal Community Bank C 356 0.0%9.74%
24 Broker Solutions D 3410 11.8%6.69%
25 Mortgage Research Center C 3216 15.6%5.75%

Best approval odds in Chatham County

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

#LenderDecidedDecision denial rate
1Movement Mortgage611.6%
2United Shore Financial Services1368.8%
3The Fidelity Bank798.9%
4First-Citizens Bank & Trust11418.4%
5Rocket Mortgage15018.7%
6COASTAL Federal Credit Union8419.1%
7State Employees'38621.2%
8First National Bank of Pennsylvania5326.4%
9Bank of America6826.5%
10Truist Bank14330.1%

What Chatham County borrowers applied for

By loan purpose

Home purchase 1,474 42% · 7.7% denied
Refinance 662 19% · 13.0% denied
Cash-out refinance 515 15% · 19.0% denied
Home improvement 437 12% · 27.2% denied
Other / HELOC 421 12% · 21.6% denied

By loan type

Conventional 3,031 86% · 14.9% denied
FHA 234 7% · 15.0% denied
VA 240 7% · 8.8% denied
USDA / RHS 4 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 200 39%
Credit history 103 20%
Incomplete application 69 14%
Collateral 63 12%
Other 35 7%
Unverifiable information 20 4%
Insufficient cash 11 2%
Employment history 6 1%

Chatham County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,3061,99916.9%6.63%$245,000
20243,1111,97116.7%6.94%$255,000
20253,5092,16114.5%6.50%$285,000

Frequently asked questions

14.5% of applications in Chatham County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 482 applications in 2025 and a denial rate of 17.0%.

The median mortgage application in Chatham County in 2025 was for $285,000; the median property value on originated loans was $645,000.