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Onslow County, North Carolina · 2025

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

366 lenders acted on 12,081 mortgage applications for properties in Onslow County in 2025. 14.1% were denied (North Carolina: 18.1%). Median rate on closed loans 6.25%; median loan $245,000; median property value $305,000.

12kApplications
14.1%Denial ratestate 18.1%
6.25%Median ratestate 6.50%
$245,000Median loan
$305,000Median property value

Largest lenders in Onslow County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Navy Federal Credit Union D 1,402764 17.8%6.25%
2 Mortgage Research Center C 1,048563 14.7%6.25%
3 Freedom Mortgage B 851429 6.1%6.13%
4 Newrez D 678468 7.8%6.25%
5 United Shore Financial Services B 554394 8.7%5.75%
6 Rocket Mortgage C 501360 17.0%6.38%
7 Movement Mortgage A 452351 2.0%6.63%
8 Guild Mortgage A 413322 1.2%6.25%
9 Pennymac Loan Services C 330142 10.3%5.75%
10 State Employees' C 305163 31.5%6.25%
11 Integrity Home Mortgage B 251196 2.0%6.63%
12 21st Mortgage F 21931 53.9%10.64%
13 Vanderbilt Mortgage and Finance F 17761 32.8%5.25%
14 New Day Financial F 16237 17.3%6.88%
15 First-Citizens Bank & Trust B 16098 22.5%6.50%
16 Guaranteed Rate B 16098 3.1%6.31%
17 Crosscountry Mortgage B 148102 1.4%6.25%
18 Dhi Mortgage Company B 13797 6.6%4.99%
19 Village Capital & Investment C 12756 13.4%5.75%
20 Truist Bank C 12168 30.6%6.35%
21 T2 Financial B 114102 1.8%6.50%
22 Jet Homeloans A 10888 0.9%4.99%
23 Plaza Home Mortgage C 10695 7.6%6.13%
24 AmeriSave Mortgage D 10330 58.3%7.13%
25 Fairway Independent Mortgage B 9679 1.0%6.25%

Best approval odds in Onslow County

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

#LenderDecidedDecision denial rate
1Loansteady760.0%
2Jet Homeloans901.1%
3Fairway Independent Mortgage801.3%
4Guild Mortgage3471.4%
5T2 Financial1081.9%
6Crosscountry Mortgage1041.9%
7Movement Mortgage4082.2%
8Integrity Home Mortgage2202.3%
9Coastal Community Bank513.9%
10Kiavi Funding504.0%

What Onslow County borrowers applied for

By loan purpose

Home purchase 5,626 47% · 7.7% denied
Refinance 2,672 22% · 9.7% denied
Cash-out refinance 2,078 17% · 22.6% denied
Home improvement 730 6% · 32.1% denied
Other / HELOC 975 8% · 31.6% denied

By loan type

Conventional 4,626 38% · 23.1% denied
FHA 969 8% · 15.6% denied
VA 6,455 53% · 7.5% denied
USDA / RHS 31 0% · 0.0% denied

Why applications were denied

Credit history 516 30%
Debt-to-income ratio 416 24%
Collateral 209 12%
Other 208 12%
Incomplete application 205 12%
Unverifiable information 77 5%
Insufficient cash 45 3%
Employment history 22 1%

Onslow County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20239,8435,74417.8%6.63%$215,000
202411,1826,59315.3%6.50%$225,000
202512,0817,08714.1%6.25%$245,000

Frequently asked questions

14.1% of applications in Onslow County were denied in 2025, against 18.1% statewide in North Carolina.

Navy Federal Credit Union, with 1,402 applications in 2025 and a denial rate of 17.8%.

The median mortgage application in Onslow County in 2025 was for $245,000; the median property value on originated loans was $305,000.