Largest lenders in Duplin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 214 | 33 | 49.1% | 10.03% |
| 2 | State Employees' | C | 211 | 122 | 27.0% | 6.25% |
| 3 | Vanderbilt Mortgage and Finance | F | 109 | 16 | 53.2% | 10.13% |
| 4 | Rocket Mortgage | C | 68 | 45 | 22.1% | 6.63% |
| 5 | Truist Bank | C | 61 | 36 | 32.8% | 6.71% |
| 6 | United Shore Financial Services | B | 53 | 32 | 9.4% | 6.12% |
| 7 | Newrez | D | 32 | 18 | 9.4% | 6.50% |
| 8 | Navy Federal Credit Union | D | 32 | 14 | 28.1% | 7.00% |
| 9 | Southwest Stage Funding | F | 29 | 10 | 0.0% | 6.81% |
| 10 | Freedom Mortgage | B | 28 | 14 | 7.1% | 6.25% |
| 11 | Southern Bank and Trust | A | 27 | 14 | 25.9% | 7.56% |
| 12 | Mortgage Research Center | C | 25 | 13 | 32.0% | 6.50% |
| 13 | First-Citizens Bank & Trust | B | 23 | 12 | 34.8% | 7.12% |
| 14 | Crosscountry Mortgage | B | 23 | 14 | 0.0% | 6.60% |
| 15 | First Bank | C | 20 | 14 | 30.0% | 7.00% |
| 16 | Movement Mortgage | A | 19 | 13 | 0.0% | 6.88% |
| 17 | Pennymac Loan Services | C | 18 | 9 | 11.1% | 5.50% |
| 18 | AgCarolina Farm Credit, FLCA | C | 17 | 14 | 5.9% | 8.03% |
| 19 | Broker Solutions | D | 17 | 7 | 0.0% | 6.81% |
| 20 | American Financial Resources | B | 17 | 15 | 5.9% | 6.50% |
| 21 | Guild Mortgage | A | 16 | 12 | 0.0% | 6.63% |
| 22 | New Day Financial | F | 15 | 3 | 13.3% | 6.99% |
| 23 | Atlantic Bay Mortgage Group | A | 15 | 15 | 0.0% | 6.63% |
| 24 | AmeriSave Mortgage | D | 14 | 2 | 64.3% | 8.75% |
| 25 | Primis Mortgage | B | 14 | 8 | 0.0% | 6.69% |
Best approval odds in Duplin County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 62 | 24.2% |
| 2 | State Employees' | 179 | 31.8% |
| 3 | Truist Bank | 57 | 35.1% |
| 4 | 21st Mortgage | 138 | 76.1% |
| 5 | Vanderbilt Mortgage and Finance | 76 | 76.3% |
What Duplin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Duplin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,259 | 566 | 29.5% | 6.99% | $125,000 |
| 2024 | 1,350 | 579 | 30.4% | 6.88% | $135,000 |
| 2025 | 1,534 | 722 | 26.1% | 6.63% | $155,000 |
Frequently asked questions
26.1% of applications in Duplin County were denied in 2025, against 18.1% statewide in North Carolina.
21st Mortgage, with 214 applications in 2025 and a denial rate of 49.1%.
The median mortgage application in Duplin County in 2025 was for $155,000; the median property value on originated loans was $245,000.