Largest lenders in Craven County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Navy Federal Credit Union | D | 436 | 266 | 13.3% | 6.81% |
| 2 | State Employees' | C | 377 | 209 | 27.6% | 6.50% |
| 3 | Rocket Mortgage | C | 323 | 222 | 20.1% | 6.63% |
| 4 | Guaranteed Rate | B | 300 | 188 | 5.3% | 6.58% |
| 5 | First-Citizens Bank & Trust | B | 251 | 184 | 12.8% | 6.26% |
| 6 | Mortgage Research Center | C | 233 | 112 | 21.9% | 6.25% |
| 7 | Dhi Mortgage Company | B | 217 | 169 | 10.6% | 4.99% |
| 8 | Truist Bank | C | 166 | 84 | 34.3% | 6.60% |
| 9 | United Shore Financial Services | B | 163 | 109 | 14.7% | 5.63% |
| 10 | Movement Mortgage | A | 152 | 118 | 0.0% | 6.63% |
| 11 | Freedom Mortgage | B | 149 | 77 | 4.0% | 6.00% |
| 12 | Atlantic Bay Mortgage Group | A | 122 | 90 | 0.0% | 6.62% |
| 13 | 21st Mortgage | F | 118 | 21 | 63.6% | 9.94% |
| 14 | Pennymac Loan Services | C | 93 | 39 | 12.9% | 5.75% |
| 15 | Newrez | D | 77 | 38 | 13.0% | 6.44% |
| 16 | New Day Financial | F | 74 | 16 | 12.2% | 6.93% |
| 17 | First National Bank of Pennsylvania | B | 72 | 48 | 26.4% | 6.29% |
| 18 | Vanderbilt Mortgage and Finance | F | 72 | 5 | 45.8% | 8.75% |
| 19 | PNC Bank | D | 65 | 43 | 20.0% | 7.14% |
| 20 | Southern Bank and Trust | A | 60 | 53 | 6.7% | 7.50% |
| 21 | Bank of America | F | 56 | 13 | 37.5% | 6.49% |
| 22 | Loandepot.Com | D | 55 | 28 | 34.6% | 6.75% |
| 23 | Union Home Mortgage | B | 51 | 39 | 2.0% | 6.38% |
| 24 | AmeriSave Mortgage | D | 50 | 13 | 58.0% | 5.99% |
| 25 | Crosscountry Mortgage | B | 49 | 31 | 2.0% | 6.58% |
Best approval odds in Craven 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 | 91 | 0.0% |
| 2 | Movement Mortgage | 141 | 0.0% |
| 3 | Freedom Mortgage | 96 | 6.3% |
| 4 | Southern Bank and Trust | 59 | 6.8% |
| 5 | Guaranteed Rate | 211 | 7.6% |
| 6 | Dhi Mortgage Company | 193 | 11.9% |
| 7 | First-Citizens Bank & Trust | 225 | 14.2% |
| 8 | United Shore Financial Services | 138 | 17.4% |
| 9 | Navy Federal Credit Union | 330 | 17.6% |
| 10 | Rocket Mortgage | 298 | 21.8% |
What Craven County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Craven County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 4,431 | 2,485 | 19.7% | 6.75% | $175,000 |
| 2024 | 4,934 | 2,815 | 18.4% | 6.63% | $205,000 |
| 2025 | 5,296 | 3,084 | 17.1% | 6.49% | $205,000 |
Frequently asked questions
17.1% of applications in Craven County were denied in 2025, against 18.1% statewide in North Carolina.
Navy Federal Credit Union, with 436 applications in 2025 and a denial rate of 13.3%.
The median mortgage application in Craven County in 2025 was for $205,000; the median property value on originated loans was $315,000.