Largest lenders in Beaufort County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 268 | 156 | 22.0% | 6.25% |
| 2 | Vanderbilt Mortgage and Finance | F | 115 | 15 | 44.4% | 9.50% |
| 3 | Southern Bank and Trust | A | 93 | 82 | 8.6% | 7.00% |
| 4 | Rocket Mortgage | C | 90 | 66 | 18.9% | 6.81% |
| 5 | First Bank | C | 60 | 40 | 18.3% | 7.25% |
| 6 | 21st Mortgage | F | 58 | 3 | 62.1% | 9.18% |
| 7 | First-Citizens Bank & Trust | B | 45 | 34 | 17.8% | 6.49% |
| 8 | First National Bank of Pennsylvania | B | 43 | 25 | 30.2% | 6.54% |
| 9 | United Bank | C | 43 | 28 | 23.3% | 7.19% |
| 10 | Navy Federal Credit Union | D | 43 | 28 | 16.3% | 6.25% |
| 11 | Mortgage Research Center | C | 35 | 17 | 14.3% | 6.25% |
| 12 | Alcova Mortgage | A | 32 | 25 | 0.0% | 6.56% |
| 13 | Truist Bank | C | 30 | 20 | 20.0% | 6.80% |
| 14 | United Shore Financial Services | B | 29 | 21 | 6.9% | 6.12% |
| 15 | Towne Bank | B | 27 | 20 | 0.0% | 6.88% |
| 16 | Atlantic Bay Mortgage Group | A | 26 | 22 | 0.0% | 6.49% |
| 17 | Crosscountry Mortgage | B | 24 | 18 | 4.2% | 6.25% |
| 18 | Freedom Mortgage | B | 24 | 5 | 16.7% | 6.00% |
| 19 | Broker Solutions | D | 22 | 3 | 18.2% | 6.94% |
| 20 | Bank of America | F | 20 | 9 | 25.0% | 6.24% |
| 21 | Newrez | D | 20 | 5 | 5.0% | 6.99% |
| 22 | Coastal Community Bank | C | 19 | 1 | 5.3% | 11.24% |
| 23 | AmeriSave Mortgage | D | 17 | 8 | 41.2% | 6.94% |
| 24 | Movement Mortgage | A | 17 | 8 | 0.0% | 6.38% |
| 25 | New Day Financial | F | 16 | 1 | 6.3% | 7.24% |
Best approval odds in Beaufort County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Southern Bank and Trust | 92 | 8.7% |
| 2 | Rocket Mortgage | 84 | 20.2% |
| 3 | First Bank | 52 | 21.2% |
| 4 | State Employees' | 218 | 27.1% |
| 5 | Vanderbilt Mortgage and Finance | 70 | 72.9% |
What Beaufort County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Beaufort County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,535 | 849 | 22.9% | 6.75% | $135,000 |
| 2024 | 1,550 | 841 | 22.3% | 6.99% | $155,000 |
| 2025 | 1,672 | 906 | 20.2% | 6.50% | $155,000 |
Frequently asked questions
20.2% of applications in Beaufort County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 268 applications in 2025 and a denial rate of 22.0%.
The median mortgage application in Beaufort County in 2025 was for $155,000; the median property value on originated loans was $305,000.