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Moore County, North Carolina · 2025

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

343 lenders acted on 5,883 mortgage applications for properties in Moore County in 2025. 13.6% were denied (North Carolina: 18.1%). Median rate on closed loans 6.38%; median loan $305,000; median property value $455,000.

5.9kApplications
13.6%Denial ratestate 18.1%
6.38%Median ratestate 6.50%
$305,000Median loan
$455,000Median property value

Largest lenders in Moore County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 435267 18.4%6.25%
2 Rocket Mortgage C 294218 15.3%6.75%
3 NFM A 232214 0.0%6.25%
4 Freedom Mortgage B 221102 4.1%5.75%
5 United Shore Financial Services B 214166 7.5%6.00%
6 First Bank C 211172 12.3%7.50%
7 Mortgage Research Center C 20276 21.3%6.13%
8 Navy Federal Credit Union D 20193 14.9%6.75%
9 Dhi Mortgage Company B 200164 9.0%4.99%
10 Movement Mortgage A 184132 3.3%6.25%
11 First-Citizens Bank & Trust B 176118 18.2%6.18%
12 Crosscountry Mortgage B 160117 2.5%6.24%
13 Truist Bank C 13079 27.7%6.38%
14 GoPrime Mortgage B 126103 3.2%6.13%
15 Pennymac Loan Services C 12369 8.1%5.63%
16 Vanderbilt Mortgage and Finance F 12114 39.7%10.50%
17 Bank of America F 9945 26.3%6.00%
18 Prosperity Home Mortgage A 9674 6.3%6.25%
19 The Fidelity Bank B 7256 9.7%7.50%
20 Union Home Mortgage B 6661 1.5%6.50%
21 AmeriSave Mortgage D 6424 51.6%6.75%
22 Newrez D 6321 14.3%6.13%
23 Guaranteed Rate B 6242 0.0%6.25%
24 First National Bank of Pennsylvania B 6134 32.8%6.49%
25 CMG Mortgage A 6043 1.7%5.99%

Best approval odds in Moore County

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

#LenderDecidedDecision denial rate
1Temple View Capital Funding570.0%
2NFM2140.0%
3Union Home Mortgage641.6%
4Crosscountry Mortgage1233.3%
5GoPrime Mortgage1073.7%
6Movement Mortgage1593.8%
7Freedom Mortgage1356.7%
8Prosperity Home Mortgage827.3%
9United Shore Financial Services1958.2%
10Dhi Mortgage Company1829.9%

What Moore County borrowers applied for

By loan purpose

Home purchase 2,780 47% · 7.5% denied
Refinance 1,066 18% · 12.2% denied
Cash-out refinance 917 16% · 18.8% denied
Home improvement 519 9% · 25.4% denied
Other / HELOC 601 10% · 26.1% denied

By loan type

Conventional 3,550 60% · 16.5% denied
FHA 433 7% · 17.6% denied
VA 1,883 32% · 7.2% denied
USDA / RHS 17 0% · 11.8% denied

Why applications were denied

Debt-to-income ratio 242 30%
Credit history 196 25%
Incomplete application 113 14%
Collateral 109 14%
Other 71 9%
Unverifiable information 49 6%
Insufficient cash 11 1%
Employment history 9 1%

Moore County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,8112,94216.4%6.63%$235,000
20245,2703,25015.6%6.63%$275,000
20255,8833,67713.6%6.38%$305,000

Frequently asked questions

13.6% of applications in Moore County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 435 applications in 2025 and a denial rate of 18.4%.

The median mortgage application in Moore County in 2025 was for $305,000; the median property value on originated loans was $455,000.