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Cumberland County, North Carolina · 2025

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

414 lenders acted on 16,255 mortgage applications for properties in Cumberland County in 2025. 18.3% were denied (North Carolina: 18.1%). Median rate on closed loans 6.38%; median loan $205,000; median property value $265,000.

16kApplications
18.3%Denial ratestate 18.1%
6.38%Median ratestate 6.50%
$205,000Median loan
$265,000Median property value

Largest lenders in Cumberland County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Mortgage Research Center C 1,424752 14.5%6.25%
2 United Shore Financial Services B 1,036719 10.4%5.99%
3 Freedom Mortgage B 977490 7.0%6.13%
4 Navy Federal Credit Union D 869374 24.2%6.25%
5 Rocket Mortgage C 748542 15.2%6.49%
6 State Employees' C 593305 34.9%6.25%
7 Pennymac Loan Services C 397173 8.6%5.75%
8 Truist Bank C 363188 30.6%6.86%
9 Movement Mortgage A 343247 2.6%6.50%
10 Vanderbilt Mortgage and Finance F 33223 53.6%9.99%
11 Crosscountry Mortgage B 304198 3.0%6.47%
12 Newrez D 302113 15.2%6.25%
13 Guaranteed Rate B 286169 5.6%6.38%
14 New Day Financial F 27957 25.5%6.88%
15 First-Citizens Bank & Trust B 276153 28.3%6.38%
16 Kiavi Funding D 272120 5.5%9.95%
17 Union Home Mortgage B 236178 3.8%6.38%
18 AmeriSave Mortgage D 23047 66.1%7.00%
19 Broker Solutions D 21582 8.8%6.81%
20 Loandepot.Com D 215116 24.2%6.49%
21 Village Capital & Investment C 20756 28.5%5.75%
22 Bank of America F 19558 50.3%6.31%
23 USAA Federal Savings Bank C 17072 24.7%6.38%
24 Carrington Mortgage Services D 16838 44.1%6.13%
25 Cornerstone Capital Bank A 165149 1.2%6.25%

Best approval odds in Cumberland County

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

#LenderDecidedDecision denial rate
1Southern Trust Mortgage1001.0%
2Coastal Community Bank841.2%
3Cornerstone Capital Bank1521.3%
4Jet Homeloans591.7%
5Alcova Mortgage663.0%
6Guild Mortgage1313.1%
7Movement Mortgage2903.1%
8Mortgage Solutions of Colorado923.3%
9American Security Mortgage923.3%
10Atlantic Bay Mortgage Group833.6%

What Cumberland County borrowers applied for

By loan purpose

Home purchase 6,539 40% · 11.3% denied
Refinance 3,790 23% · 12.4% denied
Cash-out refinance 3,607 22% · 25.5% denied
Home improvement 991 6% · 37.8% denied
Other / HELOC 1,328 8% · 35.5% denied

By loan type

Conventional 6,981 43% · 26.4% denied
FHA 1,830 11% · 17.9% denied
VA 7,419 46% · 10.8% denied
USDA / RHS 25 0% · 8.0% denied

Why applications were denied

Credit history 986 33%
Debt-to-income ratio 675 23%
Incomplete application 414 14%
Collateral 351 12%
Other 313 11%
Unverifiable information 155 5%
Insufficient cash 66 2%
Employment history 16 1%
Mortgage insurance denied 1 0%

Cumberland County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202313,6207,37419.6%6.75%$175,000
202415,2098,22618.5%6.63%$195,000
202516,2558,37118.3%6.38%$205,000

Frequently asked questions

18.3% of applications in Cumberland County were denied in 2025, against 18.1% statewide in North Carolina.

Mortgage Research Center, with 1,424 applications in 2025 and a denial rate of 14.5%.

The median mortgage application in Cumberland County in 2025 was for $205,000; the median property value on originated loans was $265,000.