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Rockingham County, North Carolina · 2025

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

274 lenders acted on 4,275 mortgage applications for properties in Rockingham County in 2025. 23.3% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $155,000; median property value $255,000.

4.3kApplications
23.3%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$155,000Median loan
$255,000Median property value

Largest lenders in Rockingham County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 450249 26.4%6.25%
2 Vanderbilt Mortgage and Finance F 40021 50.5%9.50%
3 Rocket Mortgage C 224153 21.4%6.50%
4 Truist Bank C 14270 39.4%7.10%
5 First National Bank of Pennsylvania B 14190 24.1%6.50%
6 Dhi Mortgage Company B 138110 6.5%5.19%
7 Atlantic Bay Mortgage Group A 132107 0.8%6.63%
8 Truliant Federal Credit Union D 12148 45.5%7.33%
9 Freedom Mortgage B 11970 6.7%6.25%
10 United Shore Financial Services B 11570 18.3%6.00%
11 Mortgage Research Center C 8946 21.4%6.50%
12 HomeTrust Bank C 8853 31.8%7.25%
13 Renasant Bank B 7260 0.0%6.38%
14 Movement Mortgage A 6649 3.0%6.75%
15 Alcova Mortgage A 6451 0.0%6.63%
16 First-Citizens Bank & Trust B 6246 22.6%6.49%
17 AmeriSave Mortgage D 6215 67.7%6.38%
18 Newrez D 6028 21.7%6.63%
19 Click n' Close C 6049 1.7%6.50%
20 Crosscountry Mortgage B 5835 1.7%6.88%
21 21st Mortgage F 557 69.1%11.24%
22 Pennymac Loan Services C 4822 10.4%5.75%
23 Broker Solutions D 4815 6.3%6.50%
24 Navy Federal Credit Union D 4423 15.9%7.13%
25 Bank of America F 4211 45.2%6.49%

Best approval odds in Rockingham County

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

#LenderDecidedDecision denial rate
1Alcova Mortgage550.0%
2Renasant Bank600.0%
3Atlantic Bay Mortgage Group1090.9%
4Click n' Close502.0%
5Movement Mortgage603.3%
6Dhi Mortgage Company1237.3%
7Freedom Mortgage879.2%
8Rocket Mortgage21122.8%
9United Shore Financial Services9222.8%
10First-Citizens Bank & Trust6023.3%

What Rockingham County borrowers applied for

By loan purpose

Home purchase 2,074 49% · 18.0% denied
Refinance 645 15% · 18.9% denied
Cash-out refinance 727 17% · 25.6% denied
Home improvement 394 9% · 40.4% denied
Other / HELOC 435 10% · 35.9% denied

By loan type

Conventional 3,022 71% · 27.0% denied
FHA 764 18% · 15.3% denied
VA 383 9% · 15.1% denied
USDA / RHS 106 2% · 4.7% denied

Why applications were denied

Credit history 382 38%
Debt-to-income ratio 265 27%
Collateral 111 11%
Unverifiable information 100 10%
Incomplete application 68 7%
Other 51 5%
Insufficient cash 12 1%
Employment history 7 1%

Rockingham County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,5391,89422.4%6.78%$125,000
20243,8842,02223.4%6.88%$145,000
20254,2752,27223.3%6.50%$155,000

Frequently asked questions

23.3% of applications in Rockingham County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 450 applications in 2025 and a denial rate of 26.4%.

The median mortgage application in Rockingham County in 2025 was for $155,000; the median property value on originated loans was $255,000.