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Johnston County, North Carolina · 2025

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

435 lenders acted on 13,161 mortgage applications for properties in Johnston County in 2025. 16.2% were denied (North Carolina: 18.1%). Median rate on closed loans 6.38%; median loan $245,000; median property value $365,000.

13kApplications
16.2%Denial ratestate 18.1%
6.38%Median ratestate 6.50%
$245,000Median loan
$365,000Median property value

Largest lenders in Johnston County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 1,7441,048 23.3%6.25%
2 Rocket Mortgage C 637476 15.2%6.69%
3 United Shore Financial Services B 514385 11.7%6.00%
4 COASTAL Federal Credit Union C 412246 28.9%7.50%
5 Freedom Mortgage B 357169 5.9%6.00%
6 Vanderbilt Mortgage and Finance F 347162 24.8%6.49%
7 Movement Mortgage A 335229 6.0%6.25%
8 First-Citizens Bank & Trust B 323227 18.6%6.38%
9 Lennar Mortgage A 312255 12.2%5.13%
10 Navy Federal Credit Union D 296149 17.6%6.88%
11 Truist Bank C 289151 33.2%6.49%
12 Fairway Independent Mortgage B 289240 1.0%6.38%
13 Mortgage Research Center C 234107 21.8%6.25%
14 Pennymac Loan Services C 233106 9.9%6.00%
15 Loandepot.Com D 200120 20.5%5.50%
16 PNC Bank D 187113 23.5%0.25%
17 Crosscountry Mortgage B 180121 1.1%6.58%
18 Newrez D 16854 16.1%6.25%
19 Velocio Mortgage A 160130 4.4%3.99%
20 Bank of America F 15972 30.2%6.25%
21 American Security Mortgage A 146111 3.4%6.38%
22 Broker Solutions D 14538 13.8%6.88%
23 Dhi Mortgage Company B 13989 20.1%4.99%
24 United Community Bank B 138103 17.4%6.50%
25 Coastal Community Bank C 12230 0.8%10.99%

Best approval odds in Johnston County

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

#LenderDecidedDecision denial rate
1Atlantic Bay Mortgage Group670.0%
2Cornerstone Capital Bank810.0%
3Coastal Community Bank841.2%
4Fairway Independent Mortgage2451.2%
5NFM621.6%
6Crosscountry Mortgage1241.6%
7Zillow Home Loans702.9%
8First Home Mortgage603.3%
9American Security Mortgage1244.0%
10Ks Bank704.3%

What Johnston County borrowers applied for

By loan purpose

Home purchase 6,351 48% · 8.4% denied
Refinance 2,099 16% · 16.4% denied
Cash-out refinance 2,034 15% · 22.1% denied
Home improvement 1,212 9% · 29.4% denied
Other / HELOC 1,465 11% · 31.1% denied

By loan type

Conventional 9,030 69% · 17.6% denied
FHA 2,334 18% · 15.0% denied
VA 1,658 13% · 11.3% denied
USDA / RHS 139 1% · 7.9% denied

Why applications were denied

Debt-to-income ratio 765 36%
Credit history 605 28%
Incomplete application 244 11%
Collateral 238 11%
Other 123 6%
Unverifiable information 92 4%
Insufficient cash 38 2%
Employment history 27 1%

Johnston County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202311,6397,15618.0%6.63%$215,000
202412,1747,56317.2%6.63%$235,000
202513,1617,99516.2%6.38%$245,000

Frequently asked questions

16.2% of applications in Johnston County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 1,744 applications in 2025 and a denial rate of 23.3%.

The median mortgage application in Johnston County in 2025 was for $245,000; the median property value on originated loans was $365,000.