Largest lenders in Polk County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 84 | 40 | 31.0% | 6.48% |
| 2 | HomeTrust Bank | C | 82 | 58 | 18.3% | 7.25% |
| 3 | First-Citizens Bank & Trust | B | 63 | 44 | 17.5% | 6.50% |
| 4 | Rocket Mortgage | C | 59 | 40 | 18.6% | 6.81% |
| 5 | Vanderbilt Mortgage and Finance | F | 47 | 9 | 27.7% | 9.75% |
| 6 | Movement Mortgage | A | 24 | 13 | 0.0% | 6.69% |
| 7 | United Federal Credit Union | D | 23 | 17 | 8.7% | 7.05% |
| 8 | Pennymac Loan Services | C | 22 | 12 | 9.1% | 5.93% |
| 9 | Bank of America | F | 19 | 6 | 21.1% | 6.06% |
| 10 | United Community Bank | B | 18 | 11 | 22.2% | 6.25% |
| 11 | United Shore Financial Services | B | 18 | 9 | 16.7% | 6.12% |
| 12 | Truist Bank | C | 16 | 8 | 37.5% | 6.42% |
| 13 | Spring Eq | D | 14 | 5 | 64.3% | 8.80% |
| 14 | Atlantic Bay Mortgage Group | A | 13 | 8 | 0.0% | 6.50% |
| 15 | Freedom Mortgage | B | 12 | 5 | 0.0% | 6.25% |
| 16 | Loandepot.Com | D | 12 | 5 | 41.7% | 6.99% |
| 17 | Navy Federal Credit Union | D | 12 | 6 | 8.3% | 6.50% |
| 18 | AmeriSave Mortgage | D | 11 | 3 | 63.6% | 6.88% |
| 19 | Mutual of Omaha Mortgage | C | 11 | 6 | 0.0% | 6.63% |
| 20 | Fairway Independent Mortgage | B | 11 | 7 | 0.0% | 6.99% |
| 21 | Highlands Residential Mortgage | B | 11 | 9 | 0.0% | 6.62% |
| 22 | Mortgage Research Center | C | 10 | 3 | 20.0% | 5.63% |
| 23 | Broker Solutions | D | 9 | 3 | 22.2% | 7.38% |
| 24 | Howard Hanna Financial Services | A | 9 | 6 | 0.0% | 6.62% |
| 25 | Better Mortgage | F | 8 | 3 | 25.0% | 7.13% |
Best approval odds in Polk County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First-Citizens Bank & Trust | 57 | 19.3% |
| 2 | HomeTrust Bank | 73 | 20.6% |
| 3 | Rocket Mortgage | 52 | 21.2% |
| 4 | State Employees' | 68 | 38.2% |
What Polk County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Polk County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 771 | 417 | 22.8% | 6.88% | $195,000 |
| 2024 | 755 | 402 | 22.4% | 6.88% | $205,000 |
| 2025 | 916 | 492 | 19.1% | 6.75% | $210,000 |
Frequently asked questions
19.1% of applications in Polk County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 84 applications in 2025 and a denial rate of 31.0%.
The median mortgage application in Polk County in 2025 was for $210,000; the median property value on originated loans was $465,000.