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Nash County, North Carolina · 2025

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

280 lenders acted on 4,469 mortgage applications for properties in Nash County in 2025. 23.6% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $185,000; median property value $285,000.

4.5kApplications
23.6%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$185,000Median loan
$285,000Median property value

Largest lenders in Nash County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 532271 32.7%6.25%
2 Vanderbilt Mortgage and Finance F 25624 44.5%10.38%
3 Rocket Mortgage C 180131 16.7%6.50%
4 United Shore Financial Services B 14897 15.5%6.25%
5 Southern Bank and Trust A 144117 13.9%7.50%
6 Dhi Mortgage Company B 12171 26.5%4.99%
7 Lower C 11796 1.7%6.38%
8 Velocio Mortgage A 11598 2.6%3.99%
9 Loandepot.Com D 10836 45.4%5.63%
10 Mortgage Research Center C 10346 23.3%6.25%
11 Truist Bank C 10236 49.0%6.49%
12 Freedom Mortgage B 9534 11.6%6.25%
13 PNC Bank D 8838 35.2%7.14%
14 Navy Federal Credit Union D 8837 29.6%7.38%
15 COASTAL Federal Credit Union C 8344 38.6%7.50%
16 21st Mortgage F 689 63.2%10.75%
17 Crosscountry Mortgage B 6735 4.5%6.63%
18 Broker Solutions D 6721 11.9%6.69%
19 Pennymac Loan Services C 6332 4.8%5.99%
20 NVR Mortgage Finance B 6144 19.7%5.75%
21 Newrez D 5715 28.1%6.25%
22 Fbc Mortgage B 5545 0.0%4.99%
23 Kiavi Funding D 5223 7.7%7.50%
24 AmeriSave Mortgage D 5110 66.7%6.81%
25 Guaranteed Rate B 5128 7.8%6.59%

Best approval odds in Nash County

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

#LenderDecidedDecision denial rate
1Lower992.0%
2Velocio Mortgage1013.0%
3Southern Bank and Trust14413.9%
4United Shore Financial Services12618.3%
5Rocket Mortgage16418.3%
6Freedom Mortgage5420.4%
7NVR Mortgage Finance5621.4%
8Dhi Mortgage Company10430.8%
9Mortgage Research Center7034.3%
10State Employees'45538.2%

What Nash County borrowers applied for

By loan purpose

Home purchase 2,217 50% · 18.2% denied
Refinance 662 15% · 22.1% denied
Cash-out refinance 775 17% · 25.0% denied
Home improvement 359 8% · 41.8% denied
Other / HELOC 456 10% · 34.9% denied

By loan type

Conventional 2,818 63% · 27.4% denied
FHA 1,042 23% · 18.6% denied
VA 577 13% · 14.7% denied
USDA / RHS 32 1% · 6.3% denied

Why applications were denied

Credit history 385 37%
Debt-to-income ratio 333 32%
Incomplete application 100 10%
Collateral 94 9%
Other 57 5%
Unverifiable information 54 5%
Insufficient cash 26 2%
Employment history 3 0%

Nash County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,7551,97324.4%6.75%$155,000
20243,9802,12923.7%6.88%$165,000
20254,4692,28823.6%6.50%$185,000

Frequently asked questions

23.6% of applications in Nash County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 532 applications in 2025 and a denial rate of 32.7%.

The median mortgage application in Nash County in 2025 was for $185,000; the median property value on originated loans was $285,000.