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Lee County, North Carolina · 2025

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

248 lenders acted on 3,011 mortgage applications for properties in Lee County in 2025. 16.6% were denied (North Carolina: 18.1%). Median rate on closed loans 6.25%; median loan $235,000; median property value $335,000.

3.0kApplications
16.6%Denial ratestate 18.1%
6.25%Median ratestate 6.50%
$235,000Median loan
$335,000Median property value

Largest lenders in Lee County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 332206 20.5%6.25%
2 Dhi Mortgage Company B 226175 13.3%4.99%
3 United Shore Financial Services B 140104 8.6%6.12%
4 Rocket Mortgage C 13397 18.1%6.63%
5 Vanderbilt Mortgage and Finance F 1126 38.4%9.62%
6 Freedom Mortgage B 8338 8.4%6.25%
7 Navy Federal Credit Union D 7945 16.5%6.63%
8 Truist Bank C 7134 32.4%6.68%
9 NVR Mortgage Finance B 6853 13.2%6.13%
10 Guild Mortgage A 6643 1.5%6.50%
11 Mortgage Research Center C 6428 21.9%6.38%
12 First-Citizens Bank & Trust B 5327 30.2%6.00%
13 First Bank C 5245 11.5%7.25%
14 Crosscountry Mortgage B 4727 8.5%6.45%
15 Loandepot.Com D 4732 19.2%6.12%
16 PNC Bank D 4420 36.4%7.39%
17 Movement Mortgage A 4228 4.8%6.25%
18 Pennymac Loan Services C 4124 9.8%5.93%
19 First National Bank of Pennsylvania B 4027 25.0%6.38%
20 NFM A 3933 0.0%6.13%
21 Taylor Morrison Home Funding A 3429 2.9%5.50%
22 Newrez D 346 23.5%6.25%
23 Broker Solutions D 3313 3.0%6.63%
24 The Fidelity Bank B 3121 9.7%6.88%
25 Atlantic Bay Mortgage Group A 3024 0.0%6.50%

Best approval odds in Lee County

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

#LenderDecidedDecision denial rate
1Guild Mortgage521.9%
2United Shore Financial Services11910.1%
3First Bank5111.8%
4Freedom Mortgage5512.7%
5NVR Mortgage Finance6214.5%
6Dhi Mortgage Company20514.6%
7Rocket Mortgage12619.1%
8Navy Federal Credit Union6021.7%
9State Employees'27824.5%
10Truist Bank5740.4%

What Lee County borrowers applied for

By loan purpose

Home purchase 1,576 52% · 12.0% denied
Refinance 461 15% · 13.7% denied
Cash-out refinance 493 16% · 20.5% denied
Home improvement 213 7% · 27.2% denied
Other / HELOC 268 9% · 33.6% denied

By loan type

Conventional 1,861 62% · 19.3% denied
FHA 525 17% · 14.5% denied
VA 594 20% · 9.6% denied
USDA / RHS 31 1% · 25.8% denied

Why applications were denied

Debt-to-income ratio 185 37%
Credit history 129 26%
Incomplete application 52 10%
Collateral 50 10%
Unverifiable information 33 7%
Other 32 6%
Insufficient cash 13 3%
Employment history 7 1%

Lee County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,4751,43220.2%6.75%$185,000
20242,6681,57619.5%6.62%$225,000
20253,0111,78616.6%6.25%$235,000

Frequently asked questions

16.6% of applications in Lee County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 332 applications in 2025 and a denial rate of 20.5%.

The median mortgage application in Lee County in 2025 was for $235,000; the median property value on originated loans was $335,000.