North Carolina · HMDA 2025
Mortgage lenders in Halifax County, NC
163 lenders reported 1,408 home-loan applications in Halifax County in 2025. 540 closed as loans ($100.1M), 376 were denied — a 39.5% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 34% of applications, led by STATE EMPLOYEES'. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,408
- Loans originated
- 540
- Purchase / refinance
- 278 / 155
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Halifax County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 218 | 15.5% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 180 | 12.8% | — |
| 3 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 5.3% | — |
| 4 | 21st Mortgage Corporation | 72 | 5.1% | — |
| 5 | Truist Bank 63 out of 100, Moderate | 69 | 4.9% | 40.8% |
| 6 | Rocket Mortgage, LLC | 48 | 3.4% | — |
| 7 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 37 | 2.6% | 22.5% |
| 8 | NEWREZ LLC | 35 | 2.5% | — |
| 9 | Mortgage Research Center, LLC | 32 | 2.3% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 30 | 2.1% | — |
| 11 | PNC Bank, National Association 62 out of 100, Moderate | 30 | 2.1% | 33.8% |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 25 | 1.8% | — |
| 13 | Southern Bank and Trust Company 70 out of 100, Strong | 25 | 1.8% | 12.5% |
| 14 | Broker Solutions, Inc. | 19 | 1.3% | — |
| 15 | Navy Federal Credit Union 66 out of 100, Moderate | 17 | 1.2% | 32.9% |
| 16 | FREEDOM MORTGAGE CORPORATION | 16 | 1.1% | — |
| 17 | Loandepot.Com, LLC | 15 | 1.1% | — |
| 18 | PLANET HOME LENDING, LLC | 15 | 1.1% | — |
| 19 | AmeriSave Mortgage Corporation | 14 | 1.0% | — |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 14 | 1.0% | — |
| 21 | COASTAL Federal Credit Union 66 out of 100, Moderate | 13 | 0.9% | 28.9% |
| 22 | NEW DAY FINANCIAL, LLC | 12 | 0.9% | — |
| 23 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 11 | 0.8% | 14.1% |
| 24 | GUARANTEED RATE, INC. | 11 | 0.8% | — |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 10 | 0.7% | — |
| 26 | LOCAL GOVERNMENT | 10 | 0.7% | — |
| 27 | Coastal Community Bank 35 out of 100, Low | 10 | 0.7% | 3.0% |
| 28 | NATIONSTAR MORTGAGE LLC | 9 | 0.6% | — |
| 29 | VILLAGE CAPITAL & INVESTMENT LLC | 9 | 0.6% | — |
| 30 | Bank of America, National Association 59 out of 100, Moderate | 8 | 0.6% | 44.7% |
| 31 | SOFI BANK, NATIONAL ASSOCIATION | 8 | 0.6% | — |
| 32 | INTERCOASTAL MORTGAGE, LLC | 8 | 0.6% | — |
| 33 | CARRINGTON MORTGAGE SERVICES, LLC | 8 | 0.6% | — |
| 34 | FIGURE LENDING LLC | 7 | 0.5% | — |
| 35 | LANGLEY Federal Credit Union 54 out of 100, Below average | 7 | 0.5% | 21.7% |
| 36 | ROYAL UNITED MORTGAGE LLC | 7 | 0.5% | — |
| 37 | AMERICAN HERITAGE LENDING, LLC | 7 | 0.5% | — |
| 38 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 6 | 0.4% | 22.2% |
| 39 | MOVEMENT MORTGAGE, LLC | 6 | 0.4% | — |
| 40 | SPRING EQ, LLC | 6 | 0.4% | — |
Top 40 of 163 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in North Carolina
- Wake County 59,673 apps
- Mecklenburg County 55,863 apps
- Guilford County 22,676 apps
- Cumberland County 18,243 apps
- Forsyth County 18,023 apps
- Brunswick County 15,666 apps
- Union County 15,609 apps
- Johnston County 15,328 apps
- Durham County 14,512 apps
- Onslow County 14,086 apps
- Gaston County 13,863 apps
- Cabarrus County 13,504 apps