Find a better mortgage lender

Durham County, North Carolina · 2025

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

435 lenders acted on 12,559 mortgage applications for properties in Durham County in 2025. 15.6% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $275,000; median property value $425,000.

13kApplications
15.6%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$275,000Median loan
$425,000Median property value

Largest lenders in Durham County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 1,540879 26.6%6.25%
2 Rocket Mortgage C 605462 12.9%6.63%
3 Lennar Mortgage A 467381 8.1%5.13%
4 COASTAL Federal Credit Union C 466289 25.5%7.40%
5 Truist Bank C 444215 29.7%6.38%
6 United Shore Financial Services B 409294 13.2%6.34%
7 First-Citizens Bank & Trust B 354239 16.4%6.25%
8 Pulte Mortgage A 291237 10.0%5.25%
9 Bank of America F 266136 25.9%6.24%
10 Navy Federal Credit Union D 229124 15.3%7.13%
11 Movement Mortgage A 223158 2.2%6.56%
12 Corporate Investors Mortgage Group A 213193 0.9%6.49%
13 JPMorgan Chase Bank B 199144 5.0%6.38%
14 Freedom Mortgage B 18571 7.0%6.25%
15 Pennymac Loan Services C 184108 9.2%6.38%
16 First National Bank of Pennsylvania B 175118 22.3%6.25%
17 Newrez D 15743 23.6%6.25%
18 Vanderbilt Mortgage and Finance F 14070 20.0%5.99%
19 American Security Mortgage A 138115 0.0%6.38%
20 Crosscountry Mortgage B 13787 1.5%6.75%
21 Wells Fargo Bank B 13173 9.2%6.38%
22 Fifth Third Bank D 12363 27.6%6.93%
23 Broker Solutions D 12141 13.2%6.63%
24 PNC Bank D 12074 22.5%7.00%
25 Loandepot.Com D 12061 24.2%6.50%

Best approval odds in Durham County

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

#LenderDecidedDecision denial rate
1Coastal Community Bank530.0%
2Zillow Home Loans700.0%
3American Security Mortgage1210.0%
4Velocio Mortgage1031.0%
5Corporate Investors Mortgage Group1951.0%
6First Heritage Mortgage502.0%
7Crosscountry Mortgage912.2%
8Movement Mortgage1812.8%
9Fairway Independent Mortgage583.5%
10Unnamed lender 254900YZ174H294JW398504.0%

What Durham County borrowers applied for

By loan purpose

Home purchase 6,009 48% · 6.6% denied
Refinance 1,981 16% · 16.0% denied
Cash-out refinance 1,816 14% · 24.2% denied
Home improvement 1,535 12% · 29.6% denied
Other / HELOC 1,218 10% · 29.1% denied

By loan type

Conventional 10,640 85% · 15.6% denied
FHA 1,231 10% · 18.2% denied
VA 688 5% · 11.3% denied

Why applications were denied

Debt-to-income ratio 825 42%
Credit history 423 22%
Incomplete application 233 12%
Collateral 216 11%
Other 106 5%
Unverifiable information 101 5%
Insufficient cash 36 2%
Employment history 16 1%

Durham County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202311,0976,67417.1%6.63%$245,000
202411,3306,92617.0%6.75%$255,000
202512,5597,68415.6%6.50%$275,000

Frequently asked questions

15.6% of applications in Durham County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 1,540 applications in 2025 and a denial rate of 26.6%.

The median mortgage application in Durham County in 2025 was for $275,000; the median property value on originated loans was $425,000.