Largest lenders in Warren County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 124 | 51 | 42.7% | 6.15% |
| 2 | Vanderbilt Mortgage and Finance | F | 70 | 2 | 45.7% | 9.00% |
| 3 | Truist Bank | C | 58 | 20 | 46.6% | 6.81% |
| 4 | Rocket Mortgage | C | 34 | 20 | 38.2% | 6.44% |
| 5 | Mortgage Research Center | C | 22 | 11 | 22.7% | 5.88% |
| 6 | Crosscountry Mortgage | B | 20 | 13 | 0.0% | 6.99% |
| 7 | AmeriSave Mortgage | D | 19 | 1 | 73.7% | 5.75% |
| 8 | United Shore Financial Services | B | 17 | 10 | 17.7% | 6.37% |
| 9 | First-Citizens Bank & Trust | B | 15 | 10 | 6.7% | 6.18% |
| 10 | Atlantic Bay Mortgage Group | A | 15 | 14 | 0.0% | 6.49% |
| 11 | Navy Federal Credit Union | D | 15 | 8 | 0.0% | 8.05% |
| 12 | Benchmark Community Bank | C | 13 | 13 | 0.0% | 6.69% |
| 13 | 21st Mortgage | F | 12 | 2 | 33.3% | 10.71% |
| 14 | Primis Mortgage | B | 12 | 10 | 0.0% | 6.63% |
| 15 | Pennymac Loan Services | C | 11 | 7 | 0.0% | 6.38% |
| 16 | Southern Bank and Trust | A | 11 | 11 | 0.0% | 7.50% |
| 17 | Bank of America | F | 10 | 6 | 40.0% | 6.12% |
| 18 | COASTAL Federal Credit Union | C | 9 | 4 | 33.3% | 7.28% |
| 19 | Freedom Mortgage | B | 9 | 3 | 11.1% | 5.75% |
| 20 | Newrez | D | 9 | 4 | 11.1% | 6.12% |
| 21 | Victorian Finance | C | 8 | 3 | 0.0% | 6.38% |
| 22 | Village Capital & Investment | C | 8 | 3 | 12.5% | 5.75% |
| 23 | Guaranteed Rate | B | 8 | 2 | 0.0% | 6.30% |
| 24 | Local Government | F | 8 | 3 | 62.5% | 7.00% |
| 25 | Broker Solutions | D | 8 | 2 | 0.0% | 6.69% |
Best approval odds in Warren County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | State Employees' | 105 | 50.5% |
| 2 | Truist Bank | 50 | 54.0% |
What Warren County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Warren County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 656 | 350 | 22.6% | 6.99% | $155,000 |
| 2024 | 654 | 337 | 24.5% | 6.99% | $165,000 |
| 2025 | 791 | 380 | 26.6% | 6.50% | $155,000 |
Frequently asked questions
26.6% of applications in Warren County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 124 applications in 2025 and a denial rate of 42.7%.
The median mortgage application in Warren County in 2025 was for $155,000; the median property value on originated loans was $345,000.