Largest lenders in Lenoir County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 316 | 169 | 32.0% | 6.25% |
| 2 | 21st Mortgage | F | 121 | 9 | 60.3% | 10.72% |
| 3 | Vanderbilt Mortgage and Finance | F | 115 | 20 | 42.6% | 10.12% |
| 4 | Truist Bank | C | 85 | 50 | 32.9% | 6.50% |
| 5 | Mortgage Research Center | C | 76 | 40 | 22.4% | 6.25% |
| 6 | Rocket Mortgage | C | 72 | 42 | 26.4% | 6.38% |
| 7 | First-Citizens Bank & Trust | B | 61 | 33 | 31.2% | 6.55% |
| 8 | United Shore Financial Services | B | 58 | 36 | 8.6% | 5.81% |
| 9 | Movement Mortgage | A | 50 | 36 | 0.0% | 6.63% |
| 10 | Dhi Mortgage Company | B | 43 | 27 | 37.2% | 3.99% |
| 11 | Navy Federal Credit Union | D | 37 | 16 | 24.3% | 7.00% |
| 12 | AmeriSave Mortgage | D | 36 | 6 | 63.9% | 6.25% |
| 13 | Southern Bank and Trust | A | 35 | 31 | 2.9% | 7.50% |
| 14 | First National Bank of Pennsylvania | B | 31 | 17 | 38.7% | 6.25% |
| 15 | Atlantic Bay Mortgage Group | A | 31 | 19 | 3.2% | 6.63% |
| 16 | Lower | C | 31 | 25 | 0.0% | 6.56% |
| 17 | Loandepot.Com | D | 30 | 18 | 23.3% | 6.37% |
| 18 | Crosscountry Mortgage | B | 29 | 13 | 3.5% | 6.50% |
| 19 | Broker Solutions | D | 28 | 15 | 0.0% | 6.50% |
| 20 | New Day Financial | F | 23 | 4 | 21.7% | 6.74% |
| 21 | PNC Bank | D | 22 | 11 | 36.4% | 7.14% |
| 22 | Newrez | D | 22 | 6 | 13.6% | 6.69% |
| 23 | Pennymac Loan Services | C | 21 | 12 | 0.0% | 6.25% |
| 24 | American Security Mortgage | A | 19 | 14 | 0.0% | 6.38% |
| 25 | Freedom Mortgage | B | 18 | 6 | 16.7% | 6.25% |
Best approval odds in Lenoir County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Mortgage Research Center | 57 | 29.8% |
| 2 | Rocket Mortgage | 63 | 30.2% |
| 3 | Truist Bank | 79 | 35.4% |
| 4 | First-Citizens Bank & Trust | 53 | 35.9% |
| 5 | State Employees' | 271 | 37.3% |
| 6 | Vanderbilt Mortgage and Finance | 74 | 66.2% |
| 7 | 21st Mortgage | 82 | 89.0% |
What Lenoir County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lenoir County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,713 | 862 | 26.2% | 6.63% | $125,000 |
| 2024 | 1,685 | 847 | 25.7% | 6.75% | $135,000 |
| 2025 | 1,905 | 954 | 24.7% | 6.50% | $135,000 |
Frequently asked questions
24.7% of applications in Lenoir County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 316 applications in 2025 and a denial rate of 32.0%.
The median mortgage application in Lenoir County in 2025 was for $135,000; the median property value on originated loans was $225,000.