Find a better mortgage lender

Haywood County, North Carolina · 2025

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

261 lenders acted on 2,959 mortgage applications for properties in Haywood County in 2025. 17.6% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $235,000; median property value $405,000.

3.0kApplications
17.6%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$235,000Median loan
$405,000Median property value

Largest lenders in Haywood County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 248161 18.6%6.15%
2 Rocket Mortgage C 216158 14.4%6.88%
3 HomeTrust Bank C 177108 20.3%7.00%
4 Vanderbilt Mortgage and Finance F 15129 24.5%10.25%
5 United Shore Financial Services B 12687 11.9%6.13%
6 Dhi Mortgage Company B 11376 11.5%4.99%
7 United Community Bank B 9061 22.2%6.50%
8 Howard Hanna Financial Services A 7462 0.0%6.63%
9 Champion Credit Union B 6961 1.5%5.50%
10 Movement Mortgage A 6852 2.9%6.63%
11 Truist Bank C 5729 33.3%6.49%
12 First-Citizens Bank & Trust B 5644 14.3%6.38%
13 21st Mortgage F 531 52.8%12.40%
14 Mortgage Research Center C 4418 25.0%6.50%
15 Newrez D 4211 16.7%6.63%
16 Atlantic Bay Mortgage Group A 4130 0.0%6.69%
17 Loandepot.Com D 4122 22.0%6.38%
18 Pennymac Loan Services C 3918 10.3%6.19%
19 Freedom Mortgage B 3810 7.9%5.50%
20 AmeriSave Mortgage D 357 68.6%6.25%
21 United Federal Credit Union D 3520 17.1%6.75%
22 Navy Federal Credit Union D 3319 24.2%6.63%
23 Triad Financial Services D 303 46.7%7.80%
24 Coastal Community Bank C 296 3.5%8.49%
25 Bank of America F 2814 32.1%6.24%

Best approval odds in Haywood County

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

#LenderDecidedDecision denial rate
1Howard Hanna Financial Services640.0%
2Champion Credit Union621.6%
3Movement Mortgage603.3%
4United Shore Financial Services10714.0%
5Dhi Mortgage Company8914.6%
6First-Citizens Bank & Trust5215.4%
7Rocket Mortgage19815.7%
8State Employees'20722.2%
9United Community Bank8224.4%
10HomeTrust Bank14425.0%

What Haywood County borrowers applied for

By loan purpose

Home purchase 1,421 48% · 12.0% denied
Refinance 419 14% · 15.0% denied
Cash-out refinance 518 18% · 21.2% denied
Home improvement 264 9% · 29.6% denied
Other / HELOC 337 11% · 29.4% denied

By loan type

Conventional 2,288 77% · 18.8% denied
FHA 392 13% · 15.6% denied
VA 268 9% · 10.5% denied
USDA / RHS 11 0% · 27.3% denied

Why applications were denied

Debt-to-income ratio 164 32%
Credit history 136 26%
Collateral 71 14%
Incomplete application 68 13%
Unverifiable information 40 8%
Other 25 5%
Insufficient cash 9 2%
Employment history 6 1%

Haywood County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,5371,37819.0%6.88%$195,000
20242,4701,35820.0%6.88%$215,000
20252,9591,65617.6%6.50%$235,000

Frequently asked questions

17.6% of applications in Haywood County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 248 applications in 2025 and a denial rate of 18.6%.

The median mortgage application in Haywood County in 2025 was for $235,000; the median property value on originated loans was $405,000.