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Granville County, North Carolina · 2025

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

249 lenders acted on 2,633 mortgage applications for properties in Granville County in 2025. 20.7% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $215,000; median property value $345,000.

2.6kApplications
20.7%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$215,000Median loan
$345,000Median property value

Largest lenders in Granville County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 409224 32.3%6.25%
2 Loandepot.Com D 13161 31.3%5.75%
3 Rocket Mortgage C 12687 19.1%6.63%
4 Vanderbilt Mortgage and Finance F 10710 34.6%9.13%
5 United Shore Financial Services B 9972 10.1%6.12%
6 Truist Bank C 9352 32.3%6.55%
7 COASTAL Federal Credit Union C 7541 24.0%7.40%
8 Freedom Mortgage B 5727 8.8%6.25%
9 First National Bank of Pennsylvania B 5133 25.5%6.25%
10 Navy Federal Credit Union D 4932 10.2%6.81%
11 PNC Bank D 4723 29.8%7.39%
12 Crosscountry Mortgage B 4122 7.3%6.63%
13 Mortgage Research Center C 4017 20.0%6.25%
14 Pennymac Loan Services C 3717 18.9%5.99%
15 Newrez D 3611 19.4%6.75%
16 Broker Solutions D 3516 5.7%6.50%
17 First-Citizens Bank & Trust B 3120 29.0%6.34%
18 AmeriSave Mortgage D 3110 48.4%8.31%
19 Movement Mortgage A 2922 0.0%6.75%
20 Bank of America F 2812 25.0%6.49%
21 Benchmark Community Bank C 2621 3.9%6.49%
22 Carrington Mortgage Services D 248 37.5%6.44%
23 Fairway Independent Mortgage B 2118 0.0%6.75%
24 Fifth Third Bank D 209 40.0%8.30%
25 The Fidelity Bank B 2013 20.0%7.50%

Best approval odds in Granville County

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

#LenderDecidedDecision denial rate
1United Shore Financial Services8411.9%
2Rocket Mortgage11221.4%
3COASTAL Federal Credit Union6527.7%
4Truist Bank8634.9%
5State Employees'35936.8%
6Loandepot.Com10539.1%
7Vanderbilt Mortgage and Finance5074.0%

What Granville County borrowers applied for

By loan purpose

Home purchase 1,075 41% · 13.3% denied
Refinance 415 16% · 19.0% denied
Cash-out refinance 567 22% · 23.1% denied
Home improvement 298 11% · 37.6% denied
Other / HELOC 278 11% · 29.1% denied

By loan type

Conventional 1,848 70% · 22.6% denied
FHA 505 19% · 18.0% denied
VA 267 10% · 13.1% denied
USDA / RHS 13 0% · 23.1% denied

Why applications were denied

Debt-to-income ratio 193 35%
Credit history 147 27%
Collateral 74 14%
Incomplete application 58 11%
Other 34 6%
Unverifiable information 26 5%
Insufficient cash 12 2%
Employment history 2 0%

Granville County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,2011,24922.7%6.83%$155,000
20242,3491,23923.5%6.88%$175,000
20252,6331,46120.7%6.50%$215,000

Frequently asked questions

20.7% of applications in Granville County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 409 applications in 2025 and a denial rate of 32.3%.

The median mortgage application in Granville County in 2025 was for $215,000; the median property value on originated loans was $345,000.