Largest lenders in Columbus County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 235 | 98 | 33.2% | 6.25% |
| 2 | Vanderbilt Mortgage and Finance | F | 223 | 26 | 41.7% | 9.75% |
| 3 | 21st Mortgage | F | 176 | 32 | 42.6% | 9.82% |
| 4 | Rocket Mortgage | C | 76 | 50 | 19.7% | 6.43% |
| 5 | Truist Bank | C | 73 | 30 | 38.4% | 6.68% |
| 6 | Triad Financial Services | D | 53 | 15 | 39.6% | 8.77% |
| 7 | United Shore Financial Services | B | 51 | 29 | 15.7% | 5.99% |
| 8 | Alcova Mortgage | A | 42 | 31 | 7.1% | 6.49% |
| 9 | Dhi Mortgage Company | B | 37 | 12 | 46.0% | 5.75% |
| 10 | AmeriSave Mortgage | D | 36 | 6 | 63.9% | 6.63% |
| 11 | Primis Mortgage | B | 36 | 30 | 2.8% | 6.62% |
| 12 | Mortgage Research Center | C | 31 | 14 | 22.6% | 6.25% |
| 13 | First-Citizens Bank & Trust | B | 28 | 19 | 10.7% | 6.94% |
| 14 | Freedom Mortgage | B | 27 | 15 | 3.7% | 6.25% |
| 15 | Loandepot.Com | D | 26 | 11 | 34.6% | 7.13% |
| 16 | Pennymac Loan Services | C | 25 | 10 | 16.0% | 5.63% |
| 17 | Southwest Stage Funding | F | 24 | 5 | 16.7% | 5.75% |
| 18 | United Bank | C | 23 | 13 | 26.1% | 7.49% |
| 19 | PNC Bank | D | 22 | 4 | 63.6% | 8.25% |
| 20 | Corning Credit Union | A | 21 | 13 | 33.3% | 6.14% |
| 21 | Newrez | D | 20 | 5 | 35.0% | 6.13% |
| 22 | Navy Federal Credit Union | D | 20 | 10 | 25.0% | 6.00% |
| 23 | Crosscountry Mortgage | B | 19 | 8 | 5.3% | 6.75% |
| 24 | Broker Solutions | D | 19 | 6 | 10.5% | 7.00% |
| 25 | First Bank | C | 15 | 12 | 6.7% | 7.13% |
Best approval odds in Columbus County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 66 | 22.7% |
| 2 | Triad Financial Services | 53 | 39.6% |
| 3 | State Employees' | 176 | 44.3% |
| 4 | Truist Bank | 60 | 46.7% |
| 5 | 21st Mortgage | 113 | 66.4% |
| 6 | Vanderbilt Mortgage and Finance | 123 | 75.6% |
What Columbus County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Columbus County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,631 | 665 | 31.8% | 7.13% | $125,000 |
| 2024 | 1,732 | 720 | 31.4% | 6.99% | $135,000 |
| 2025 | 1,879 | 785 | 28.3% | 6.50% | $145,000 |
Frequently asked questions
28.3% of applications in Columbus County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 235 applications in 2025 and a denial rate of 33.2%.
The median mortgage application in Columbus County in 2025 was for $145,000; the median property value on originated loans was $245,000.