Largest lenders in Currituck County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Navy Federal Credit Union | D | 215 | 107 | 18.1% | 8.15% |
| 2 | NVR Mortgage Finance | B | 141 | 95 | 9.9% | 6.13% |
| 3 | Rocket Mortgage | C | 108 | 77 | 20.4% | 6.50% |
| 4 | State Employees' | C | 90 | 53 | 26.7% | 6.15% |
| 5 | Towne Bank | B | 84 | 66 | 10.7% | 7.13% |
| 6 | United Shore Financial Services | B | 82 | 56 | 9.8% | 6.00% |
| 7 | Mortgage Research Center | C | 75 | 21 | 25.3% | 6.50% |
| 8 | Freedom Mortgage | B | 72 | 28 | 4.2% | 6.06% |
| 9 | Atlantic Coast Mortgage | A | 72 | 55 | 0.0% | 6.49% |
| 10 | Southern Trust Mortgage | B | 70 | 47 | 1.4% | 6.63% |
| 11 | Newrez | D | 58 | 25 | 13.8% | 6.25% |
| 12 | Pennymac Loan Services | C | 55 | 28 | 9.1% | 5.49% |
| 13 | Movement Mortgage | A | 54 | 41 | 1.9% | 6.50% |
| 14 | CMG Mortgage | A | 47 | 34 | 2.1% | 6.75% |
| 15 | American Neighborhood Mortgage Acceptance Company | B | 45 | 31 | 0.0% | 6.25% |
| 16 | Crosscountry Mortgage | B | 39 | 24 | 2.6% | 6.58% |
| 17 | Atlantic Union Bank | C | 36 | 22 | 19.4% | 7.50% |
| 18 | Truist Bank | C | 34 | 16 | 38.2% | 6.72% |
| 19 | Guaranteed Rate | B | 33 | 15 | 3.0% | 6.93% |
| 20 | Vanderbilt Mortgage and Finance | F | 31 | 3 | 35.5% | 10.25% |
| 21 | Atlantic Bay Mortgage Group | A | 28 | 22 | 0.0% | 6.63% |
| 22 | Calcon Mutual Mortgage | D | 26 | 18 | 0.0% | 6.99% |
| 23 | Spring Eq | D | 25 | 10 | 32.0% | 9.30% |
| 24 | First Heritage Mortgage | A | 24 | 18 | 0.0% | 6.88% |
| 25 | ABNB Federal Credit Union | D | 23 | 12 | 43.5% | 6.87% |
Best approval odds in Currituck County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Atlantic Coast Mortgage | 60 | 0.0% |
| 2 | United Shore Financial Services | 71 | 11.3% |
| 3 | Towne Bank | 75 | 12.0% |
| 4 | NVR Mortgage Finance | 109 | 12.8% |
| 5 | Rocket Mortgage | 102 | 21.6% |
| 6 | Navy Federal Credit Union | 148 | 26.4% |
| 7 | State Employees' | 77 | 31.2% |
What Currituck County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Currituck County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,155 | 1,231 | 19.2% | 6.75% | $285,000 |
| 2024 | 2,247 | 1,328 | 17.4% | 6.88% | $305,000 |
| 2025 | 2,517 | 1,445 | 13.6% | 6.63% | $345,000 |
Frequently asked questions
13.6% of applications in Currituck County were denied in 2025, against 18.1% statewide in North Carolina.
Navy Federal Credit Union, with 215 applications in 2025 and a denial rate of 18.1%.
The median mortgage application in Currituck County in 2025 was for $345,000; the median property value on originated loans was $525,000.