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Guilford County, North Carolina · 2025

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

495 lenders acted on 20,696 mortgage applications for properties in Guilford County in 2025. 20.6% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $175,000; median property value $325,000.

21kApplications
20.6%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$175,000Median loan
$325,000Median property value

Largest lenders in Guilford County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 2,2071,237 25.9%6.25%
2 Truliant Federal Credit Union D 1,374588 45.1%7.25%
3 Rocket Mortgage C 1,046798 15.8%6.75%
4 Truist Bank C 871444 33.6%6.60%
5 United Shore Financial Services B 590403 13.6%6.13%
6 Atlantic Bay Mortgage Group A 530424 0.8%6.63%
7 Movement Mortgage A 513387 3.5%6.75%
8 21st Mortgage F 481119 54.5%11.47%
9 Bank of America F 457186 34.8%6.24%
10 First-Citizens Bank & Trust B 383243 20.6%6.25%
11 First National Bank of Pennsylvania B 369266 15.5%6.38%
12 Dhi Mortgage Company B 366253 16.9%4.99%
13 Pinnacle Bank B 359209 24.2%6.38%
14 Vanderbilt Mortgage and Finance F 32532 43.4%6.50%
15 Freedom Mortgage B 324130 8.0%6.25%
16 Guaranteed Rate B 320207 4.4%6.49%
17 Newrez D 27794 18.1%6.75%
18 Mortgage Research Center C 277138 19.5%6.25%
19 Highlands Residential Mortgage B 269218 1.1%6.50%
20 Navy Federal Credit Union D 259118 20.5%7.48%
21 Crosscountry Mortgage B 247169 2.8%6.58%
22 AmeriSave Mortgage D 23973 57.7%7.00%
23 Coastal Community Bank C 23761 1.7%10.49%
24 Pennymac Loan Services C 235113 11.9%5.99%
25 Loandepot.Com D 222102 24.8%6.63%

Best approval odds in Guilford County

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

#LenderDecidedDecision denial rate
1Howard Hanna Financial Services640.0%
2Ark-La-Tex Financial Services, LLC.740.0%
3Atlantic Bay Mortgage Group4290.9%
4Highlands Residential Mortgage2361.3%
5Union Home Mortgage1551.3%
6Coastal Community Bank1702.4%
7Summit Credit Union752.7%
8Kiavi Funding1033.9%
9Crosscountry Mortgage1783.9%
10Movement Mortgage4494.0%

What Guilford County borrowers applied for

By loan purpose

Home purchase 8,811 43% · 11.5% denied
Refinance 3,156 15% · 17.6% denied
Cash-out refinance 3,656 18% · 24.8% denied
Home improvement 2,432 12% · 34.3% denied
Other / HELOC 2,641 13% · 35.7% denied

By loan type

Conventional 16,263 79% · 21.7% denied
FHA 2,808 14% · 17.9% denied
VA 1,592 8% · 13.5% denied
USDA / RHS 33 0% · 12.1% denied

Why applications were denied

Debt-to-income ratio 1,390 33%
Credit history 1,346 32%
Incomplete application 469 11%
Collateral 417 10%
Other 328 8%
Unverifiable information 213 5%
Insufficient cash 69 2%
Employment history 17 0%

Guilford County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202318,19110,51121.3%6.75%$155,000
202419,72711,25721.8%6.88%$165,000
202520,69611,52620.6%6.50%$175,000

Frequently asked questions

20.6% of applications in Guilford County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 2,207 applications in 2025 and a denial rate of 25.9%.

The median mortgage application in Guilford County in 2025 was for $175,000; the median property value on originated loans was $325,000.