North Carolina · HMDA 2025
Mortgage lenders in Surry County, NC
209 lenders reported 2,735 home-loan applications in Surry County in 2025. 1,389 closed as loans ($256.5M), 482 were denied — a 24.8% denial rate on decided applications, above the North Carolina rate of 22.7%. The three most active lenders handled 28% of applications, led by STATE EMPLOYEES'. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,735
- Loans originated
- 1,389
- Purchase / refinance
- 610 / 490
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Surry County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 448 | 16.4% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 177 | 6.5% | — |
| 3 | Rocket Mortgage, LLC | 128 | 4.7% | — |
| 4 | ALLEGACY FEDERAL CREDIT UNION | 122 | 4.5% | — |
| 5 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 110 | 4.0% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 93 | 3.4% | — |
| 7 | Truist Bank 63 out of 100, Moderate | 85 | 3.1% | 40.8% |
| 8 | First National Bank of Pennsylvania 64 out of 100, Moderate | 76 | 2.8% | 26.6% |
| 9 | EMM LOANS LLC | 70 | 2.6% | — |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 64 | 2.3% | — |
| 11 | First Community Bank 75 out of 100, Strong | 62 | 2.3% | 30.8% |
| 12 | Mortgage Research Center, LLC | 49 | 1.8% | — |
| 13 | Fairway Independent Mortgage Corporation | 47 | 1.7% | — |
| 14 | NEWREZ LLC | 46 | 1.7% | — |
| 15 | Loandepot.Com, LLC | 45 | 1.6% | — |
| 16 | Truliant Federal Credit Union 67 out of 100, Moderate | 43 | 1.6% | 50.3% |
| 17 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 42 | 1.5% | 22.5% |
| 18 | FREEDOM MORTGAGE CORPORATION | 40 | 1.5% | — |
| 19 | First Horizon Bank 64 out of 100, Moderate | 35 | 1.3% | 25.4% |
| 20 | NATIONSTAR MORTGAGE LLC | 31 | 1.1% | — |
| 21 | PNC Bank, National Association 62 out of 100, Moderate | 30 | 1.1% | 33.8% |
| 22 | AMERICAN FINANCIAL RESOURCES, INC. | 28 | 1.0% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 27 | 1.0% | — |
| 24 | Coastal Community Bank 35 out of 100, Low | 27 | 1.0% | 3.0% |
| 25 | AmeriSave Mortgage Corporation | 23 | 0.8% | — |
| 26 | PLANET HOME LENDING, LLC | 21 | 0.8% | — |
| 27 | Renasant Bank 64 out of 100, Moderate | 21 | 0.8% | 11.6% |
| 28 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 19 | 0.7% | 14.1% |
| 29 | CARRINGTON MORTGAGE SERVICES, LLC | 19 | 0.7% | — |
| 30 | VILLAGE CAPITAL & INVESTMENT LLC | 19 | 0.7% | — |
| 31 | Broker Solutions, Inc. | 18 | 0.7% | — |
| 32 | CROSSCOUNTRY MORTGAGE, INC. | 18 | 0.7% | — |
| 33 | Bank of America, National Association 59 out of 100, Moderate | 18 | 0.7% | 44.7% |
| 34 | NEW DAY FINANCIAL, LLC | 18 | 0.7% | — |
| 35 | Navy Federal Credit Union 66 out of 100, Moderate | 15 | 0.5% | 32.9% |
| 36 | MOVEMENT MORTGAGE, LLC | 15 | 0.5% | — |
| 37 | SPRING EQ, LLC | 15 | 0.5% | — |
| 38 | LOCAL GOVERNMENT | 15 | 0.5% | — |
| 39 | Discover Bank | 14 | 0.5% | — |
| 40 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 13 | 0.5% | 22.2% |
Top 40 of 209 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