Largest lenders in Bertie County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 118 | 58 | 35.6% | 6.50% |
| 2 | Vanderbilt Mortgage and Finance | F | 52 | 4 | 50.0% | 9.75% |
| 3 | Southern Bank and Trust | A | 31 | 26 | 6.5% | 7.44% |
| 4 | Rocket Mortgage | C | 18 | 11 | 16.7% | 6.99% |
| 5 | Mortgage Research Center | C | 15 | 5 | 13.3% | 6.63% |
| 6 | 21st Mortgage | F | 13 | 1 | 69.2% | 8.96% |
| 7 | United Shore Financial Services | B | 10 | 9 | 10.0% | 6.13% |
| 8 | Navy Federal Credit Union | D | 10 | 4 | 50.0% | 10.30% |
| 9 | Truist Bank | C | 9 | 4 | 44.4% | 6.87% |
| 10 | PNC Bank | D | 8 | 4 | 37.5% | 8.35% |
| 11 | AmeriSave Mortgage | D | 7 | 1 | 71.4% | 6.13% |
| 12 | Bank of America | F | 6 | 2 | 50.0% | 6.56% |
| 13 | Pennymac Loan Services | C | 5 | 1 | 20.0% | 6.50% |
| 14 | Newrez | D | 5 | 1 | 20.0% | 10.25% |
| 15 | Loandepot.Com | D | 5 | 2 | 40.0% | 6.06% |
Best approval odds in Bertie County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | State Employees' | 102 | 41.2% |
What Bertie County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Bertie County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 382 | 164 | 33.5% | 6.75% | $95,000 |
| 2024 | 419 | 175 | 29.1% | 7.00% | $105,000 |
| 2025 | 413 | 179 | 31.2% | 6.50% | $125,000 |
Frequently asked questions
31.2% of applications in Bertie County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 118 applications in 2025 and a denial rate of 35.6%.
The median mortgage application in Bertie County in 2025 was for $125,000; the median property value on originated loans was $185,000.