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Henderson County, North Carolina · 2025

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

314 lenders acted on 5,282 mortgage applications for properties in Henderson County in 2025. 17.4% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $245,000; median property value $455,000.

5.3kApplications
17.4%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$245,000Median loan
$455,000Median property value

Largest lenders in Henderson County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 531331 21.7%6.25%
2 Rocket Mortgage C 314238 15.9%6.56%
3 Dhi Mortgage Company B 270202 6.3%5.25%
4 Vanderbilt Mortgage and Finance F 25534 32.2%10.12%
5 First-Citizens Bank & Trust B 239163 19.7%6.25%
6 United Federal Credit Union D 221142 22.6%7.00%
7 United Community Bank B 208148 18.8%6.50%
8 Movement Mortgage A 196139 3.6%6.56%
9 United Shore Financial Services B 169114 13.0%6.33%
10 HomeTrust Bank C 13594 17.0%7.00%
11 Bank of America F 12064 25.8%6.24%
12 Atlantic Bay Mortgage Group A 11794 1.7%6.63%
13 Howard Hanna Financial Services A 9774 2.1%6.53%
14 Truist Bank C 8547 36.5%6.70%
15 21st Mortgage F 8313 49.4%10.74%
16 GoPrime Mortgage B 6551 0.0%6.50%
17 Mortgage Research Center C 6426 15.6%6.06%
18 Navy Federal Credit Union D 6031 16.7%6.25%
19 Guaranteed Rate B 5927 8.5%6.53%
20 Highlands Residential Mortgage B 5935 10.2%6.43%
21 Wells Fargo Bank B 5125 19.6%6.38%
22 Freedom Mortgage B 5020 10.0%6.13%
23 AmeriSave Mortgage D 4811 54.2%7.13%
24 Coastal Community Bank C 489 4.2%9.74%
25 First Bank C 4738 14.9%6.50%

Best approval odds in Henderson County

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

#LenderDecidedDecision denial rate
1GoPrime Mortgage530.0%
2Atlantic Bay Mortgage Group982.0%
3Howard Hanna Financial Services762.6%
4Movement Mortgage1664.2%
5Dhi Mortgage Company2207.7%
6United Shore Financial Services14015.7%
7Rocket Mortgage29317.1%
8HomeTrust Bank11719.7%
9United Community Bank19220.3%
10First-Citizens Bank & Trust21821.6%

What Henderson County borrowers applied for

By loan purpose

Home purchase 2,586 49% · 12.2% denied
Refinance 768 15% · 14.7% denied
Cash-out refinance 784 15% · 21.7% denied
Home improvement 621 12% · 25.4% denied
Other / HELOC 523 10% · 31.4% denied

By loan type

Conventional 4,350 82% · 18.3% denied
FHA 534 10% · 14.0% denied
VA 377 7% · 12.5% denied
USDA / RHS 21 0% · 14.3% denied

Why applications were denied

Debt-to-income ratio 355 39%
Credit history 211 23%
Incomplete application 98 11%
Collateral 89 10%
Unverifiable information 86 9%
Other 60 7%
Insufficient cash 16 2%
Employment history 6 1%

Henderson County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,6082,65619.3%6.88%$195,000
20244,6462,62621.0%6.88%$215,000
20255,2823,10317.4%6.50%$245,000

Frequently asked questions

17.4% of applications in Henderson County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 531 applications in 2025 and a denial rate of 21.7%.

The median mortgage application in Henderson County in 2025 was for $245,000; the median property value on originated loans was $455,000.