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Lincoln County, North Carolina · 2025

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

319 lenders acted on 4,898 mortgage applications for properties in Lincoln County in 2025. 17.5% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $225,000; median property value $435,000.

4.9kApplications
17.5%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$225,000Median loan
$435,000Median property value

Largest lenders in Lincoln County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 356216 21.6%6.25%
2 Rocket Mortgage C 330253 15.5%6.63%
3 United Shore Financial Services B 189147 7.4%6.25%
4 Bank of America F 15685 19.9%5.99%
5 Fifth Third Bank D 15184 35.8%7.25%
6 Peoples Bank C 14791 27.2%7.25%
7 Dhi Mortgage Company B 13687 14.7%5.38%
8 Vanderbilt Mortgage and Finance F 13110 43.5%8.63%
9 Truist Bank C 12980 29.5%6.75%
10 Movement Mortgage A 11992 0.8%6.63%
11 First Federal Savings Bank of Lincolnton C 11786 11.1%—
12 First-Citizens Bank & Trust B 9868 20.4%6.49%
13 Truliant Federal Credit Union D 8342 38.6%7.25%
14 Atlantic Bay Mortgage Group A 7953 1.3%6.63%
15 Crosscountry Mortgage B 7347 4.1%6.63%
16 Navy Federal Credit Union D 6827 30.9%7.25%
17 Pennymac Loan Services C 6636 7.6%6.00%
18 Freedom Mortgage B 6633 15.2%6.25%
19 Mortgage Research Center C 6022 15.0%6.13%
20 Inspire Home Loans B 6045 5.0%5.13%
21 Fairway Independent Mortgage B 5748 1.8%6.75%
22 AmeriSave Mortgage D 5616 60.7%8.31%
23 Newrez D 5625 12.5%6.38%
24 Broker Solutions D 5621 5.4%6.38%
25 Kbhs Home Loans B 5331 5.7%5.88%

Best approval odds in Lincoln County

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

#LenderDecidedDecision denial rate
1Movement Mortgage1060.9%
2Atlantic Bay Mortgage Group541.9%
3Inspire Home Loans525.8%
4Crosscountry Mortgage515.9%
5United Shore Financial Services1658.5%
6First Federal Savings Bank of Lincolnton10911.9%
7Rocket Mortgage30716.6%
8Dhi Mortgage Company10818.5%
9First-Citizens Bank & Trust9122.0%
10State Employees'29825.8%

What Lincoln County borrowers applied for

By loan purpose

Home purchase 2,229 46% · 10.3% denied
Refinance 749 15% · 14.6% denied
Cash-out refinance 796 16% · 22.6% denied
Home improvement 538 11% · 28.6% denied
Other / HELOC 586 12% · 31.1% denied

By loan type

Conventional 3,762 77% · 18.3% denied
FHA 706 14% · 16.6% denied
VA 398 8% · 12.6% denied
USDA / RHS 32 1% · 3.1% denied

Why applications were denied

Debt-to-income ratio 278 33%
Credit history 246 29%
Collateral 121 14%
Incomplete application 90 11%
Unverifiable information 56 7%
Other 53 6%
Insufficient cash 7 1%
Employment history 3 0%
Mortgage insurance denied 1 0%

Lincoln County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,1592,55918.1%6.88%$195,000
20244,2762,53917.2%6.88%$205,000
20254,8982,92617.5%6.50%$225,000

Frequently asked questions

17.5% of applications in Lincoln County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 356 applications in 2025 and a denial rate of 21.6%.

The median mortgage application in Lincoln County in 2025 was for $225,000; the median property value on originated loans was $435,000.