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Harnett County, North Carolina · 2025

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

336 lenders acted on 9,267 mortgage applications for properties in Harnett County in 2025. 15.2% were denied (North Carolina: 18.1%). Median rate on closed loans 6.25%; median loan $265,000; median property value $335,000.

9.3kApplications
15.2%Denial ratestate 18.1%
6.25%Median ratestate 6.50%
$265,000Median loan
$335,000Median property value

Largest lenders in Harnett County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 737411 28.1%6.25%
2 United Shore Financial Services B 485352 9.1%6.00%
3 Freedom Mortgage B 429223 7.0%6.13%
4 Mortgage Research Center C 426207 16.2%6.25%
5 Rocket Mortgage C 373270 14.5%6.38%
6 Navy Federal Credit Union D 307170 17.6%6.44%
7 Vanderbilt Mortgage and Finance F 27864 37.1%8.75%
8 Movement Mortgage A 264183 3.4%6.25%
9 Dhi Mortgage Company B 261179 18.4%4.99%
10 Loandepot.Com D 207142 20.8%5.75%
11 Truist Bank C 196113 21.4%6.49%
12 Crosscountry Mortgage B 193128 1.6%6.58%
13 NFM A 193163 2.1%6.25%
14 Pennymac Loan Services C 19087 7.4%5.63%
15 Newrez D 15747 14.0%6.25%
16 Kbhs Home Loans B 13684 6.6%5.75%
17 COASTAL Federal Credit Union C 11466 33.3%7.40%
18 Jet Homeloans A 11399 0.0%4.99%
19 First-Citizens Bank & Trust B 11173 15.3%6.49%
20 Towne Bank B 10591 1.9%5.38%
21 Broker Solutions D 9842 5.1%6.75%
22 NVR Mortgage Finance B 9369 16.1%6.13%
23 Guild Mortgage A 8151 2.5%6.38%
24 New Day Financial F 7519 25.3%6.99%
25 Lennar Mortgage A 7552 22.7%4.25%

Best approval odds in Harnett County

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

#LenderDecidedDecision denial rate
1Cornerstone Capital Bank580.0%
2Heritage Mortgage500.0%
3Jet Homeloans1020.0%
4Towne Bank932.2%
5Crosscountry Mortgage1312.3%
6NFM1702.4%
7Guild Mortgage603.3%
8Movement Mortgage2383.8%
9First Home Mortgage504.0%
10Mattamy Home Funding674.5%

What Harnett County borrowers applied for

By loan purpose

Home purchase 5,062 55% · 9.3% denied
Refinance 1,627 18% · 12.0% denied
Cash-out refinance 1,325 14% · 23.3% denied
Home improvement 545 6% · 37.1% denied
Other / HELOC 708 8% · 32.8% denied

By loan type

Conventional 4,668 50% · 19.8% denied
FHA 1,674 18% · 13.5% denied
VA 2,852 31% · 9.0% denied
USDA / RHS 73 1% · 6.9% denied

Why applications were denied

Credit history 446 32%
Debt-to-income ratio 444 32%
Collateral 151 11%
Incomplete application 142 10%
Other 96 7%
Unverifiable information 76 5%
Insufficient cash 34 2%
Employment history 19 1%

Harnett County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20237,1604,24017.9%6.50%$225,000
20248,2514,90017.0%6.50%$255,000
20259,2675,53215.2%6.25%$265,000

Frequently asked questions

15.2% of applications in Harnett County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 737 applications in 2025 and a denial rate of 28.1%.

The median mortgage application in Harnett County in 2025 was for $265,000; the median property value on originated loans was $335,000.