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Stanly County, North Carolina · 2025

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

243 lenders acted on 3,273 mortgage applications for properties in Stanly County in 2025. 17.9% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $195,000; median property value $325,000.

3.3kApplications
17.9%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$195,000Median loan
$325,000Median property value

Largest lenders in Stanly County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 644386 23.0%6.20%
2 Uwharrie Bank B 202164 9.9%7.50%
3 Movement Mortgage A 196159 0.5%6.25%
4 Rocket Mortgage C 159111 20.8%6.63%
5 Vanderbilt Mortgage and Finance F 15517 35.5%8.99%
6 United Shore Financial Services B 12882 11.7%6.00%
7 Mortgage Research Center C 6533 15.4%6.50%
8 Pinnacle Bank B 6435 18.8%6.88%
9 Freedom Mortgage B 6231 4.8%6.25%
10 Fairway Independent Mortgage B 5337 7.6%6.75%
11 First Bank C 4833 27.1%7.50%
12 Pennymac Loan Services C 4620 10.9%6.25%
13 Truist Bank C 4520 31.1%6.64%
14 Loandepot.Com D 4532 6.7%5.88%
15 Broker Solutions D 4220 2.4%6.75%
16 AmeriSave Mortgage D 3812 55.3%7.25%
17 First-Citizens Bank & Trust B 3522 17.1%6.61%
18 U.S. Bank D 3316 12.1%6.00%
19 Crosscountry Mortgage B 3322 6.1%6.69%
20 Atlantic Bay Mortgage Group A 3327 0.0%6.63%
21 Ixonia Bank C 3023 0.0%6.63%
22 Fifth Third Bank D 2912 34.5%6.74%
23 Coastal Community Bank C 2912 0.0%10.87%
24 Bank of America F 2711 37.0%6.49%
25 Wells Fargo Bank B 2619 7.7%6.50%

Best approval odds in Stanly County

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

#LenderDecidedDecision denial rate
1Movement Mortgage1750.6%
2Uwharrie Bank18710.7%
3United Shore Financial Services10015.0%
4Rocket Mortgage14622.6%
5Pinnacle Bank5123.5%
6State Employees'53727.6%
7Vanderbilt Mortgage and Finance7474.3%

What Stanly County borrowers applied for

By loan purpose

Home purchase 1,510 46% · 10.4% denied
Refinance 481 15% · 15.2% denied
Cash-out refinance 574 18% · 26.3% denied
Home improvement 377 12% · 30.5% denied
Other / HELOC 331 10% · 27.2% denied

By loan type

Conventional 2,361 72% · 19.7% denied
FHA 574 18% · 12.9% denied
VA 317 10% · 13.9% denied
USDA / RHS 21 1% · 9.5% denied

Why applications were denied

Credit history 185 32%
Debt-to-income ratio 174 30%
Collateral 72 12%
Incomplete application 61 10%
Other 42 7%
Unverifiable information 38 6%
Insufficient cash 11 2%
Employment history 3 1%

Stanly County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,1381,92017.8%6.63%$175,000
20242,9301,75318.6%6.88%$175,000
20253,2731,87817.9%6.50%$195,000

Frequently asked questions

17.9% of applications in Stanly County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 644 applications in 2025 and a denial rate of 23.0%.

The median mortgage application in Stanly County in 2025 was for $195,000; the median property value on originated loans was $325,000.