North Carolina · HMDA 2025
Mortgage lenders in Northampton County, NC
110 lenders reported 581 home-loan applications in Northampton County in 2025. 229 closed as loans ($54.0M), 150 were denied — a 37.4% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 35% of applications, led by STATE EMPLOYEES'. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 581
- Loans originated
- 229
- Purchase / refinance
- 117 / 53
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Northampton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 113 | 19.4% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 50 | 8.6% | — |
| 3 | 21st Mortgage Corporation | 38 | 6.5% | — |
| 4 | Truist Bank 63 out of 100, Moderate | 23 | 4.0% | 40.8% |
| 5 | Rocket Mortgage, LLC | 23 | 4.0% | — |
| 6 | Southern Bank and Trust Company 70 out of 100, Strong | 23 | 4.0% | 12.5% |
| 7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 15 | 2.6% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 14 | 2.4% | — |
| 9 | Mortgage Research Center, LLC | 13 | 2.2% | — |
| 10 | CROSSCOUNTRY MORTGAGE, INC. | 12 | 2.1% | — |
| 11 | PNC Bank, National Association 62 out of 100, Moderate | 11 | 1.9% | 33.8% |
| 12 | NEWREZ LLC | 10 | 1.7% | — |
| 13 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 1.5% | 32.9% |
| 14 | PLANET HOME LENDING, LLC | 8 | 1.4% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 1.2% | 14.1% |
| 16 | Loandepot.Com, LLC | 7 | 1.2% | — |
| 17 | LOCAL GOVERNMENT | 7 | 1.2% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 7 | 1.2% | — |
| 19 | Broker Solutions, Inc. | 6 | 1.0% | — |
| 20 | AmeriSave Mortgage Corporation | 6 | 1.0% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 6 | 1.0% | — |
| 22 | NEW DAY FINANCIAL, LLC | 6 | 1.0% | — |
| 23 | GUARANTEED RATE, INC. | 5 | 0.9% | — |
| 24 | Bank of America, National Association 59 out of 100, Moderate | 5 | 0.9% | 44.7% |
| 25 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 5 | 0.9% | 45.9% |
| 26 | Benchmark Community Bank 75 out of 100, Strong | 5 | 0.9% | 9.1% |
| 27 | MOVEMENT MORTGAGE, LLC | 4 | 0.7% | — |
| 28 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 0.7% | — |
| 29 | Pinnacle Bank 60 out of 100, Moderate | 4 | 0.7% | 17.5% |
| 30 | INTERCOASTAL MORTGAGE, LLC | 4 | 0.7% | — |
| 31 | PHH Mortgage Corporation | 4 | 0.7% | — |
| 32 | Primis Mortgage Company | 4 | 0.7% | — |
| 33 | Coastal Community Bank 35 out of 100, Low | 4 | 0.7% | 3.0% |
| 34 | Paramount Residential Mortgage Group, Inc. | 3 | 0.5% | — |
| 35 | Kiavi Funding, Inc. | 3 | 0.5% | — |
| 36 | COASTAL Federal Credit Union 66 out of 100, Moderate | 3 | 0.5% | 28.9% |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 3 | 0.5% | — |
| 38 | FIRST BANCORP, INC. | 3 | 0.5% | — |
| 39 | CAPITAL CENTER, L.L.C. | 3 | 0.5% | — |
| 40 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 3 | 0.5% | 22.5% |
Top 40 of 110 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