Largest lenders in Edgecombe County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 225 | 104 | 35.1% | 6.25% |
| 2 | Vanderbilt Mortgage and Finance | F | 133 | 17 | 48.9% | 9.99% |
| 3 | Rocket Mortgage | C | 85 | 54 | 25.9% | 6.49% |
| 4 | United Shore Financial Services | B | 58 | 38 | 17.2% | 6.00% |
| 5 | Southern Bank and Trust | A | 49 | 36 | 22.5% | 7.50% |
| 6 | Truist Bank | C | 48 | 18 | 35.4% | 6.13% |
| 7 | Navy Federal Credit Union | D | 40 | 8 | 35.0% | 6.25% |
| 8 | Kiavi Funding | D | 39 | 18 | 5.1% | 7.50% |
| 9 | Mortgage Research Center | C | 38 | 18 | 10.5% | 6.44% |
| 10 | AmeriSave Mortgage | D | 33 | 6 | 72.7% | 6.00% |
| 11 | Crosscountry Mortgage | B | 32 | 17 | 0.0% | 6.88% |
| 12 | PNC Bank | D | 30 | 8 | 36.7% | 7.50% |
| 13 | Lower | C | 29 | 25 | 3.5% | 6.31% |
| 14 | Freedom Mortgage | B | 28 | 6 | 17.9% | 6.25% |
| 15 | 21st Mortgage | F | 27 | 6 | 51.9% | 9.73% |
| 16 | Broker Solutions | D | 26 | 12 | 7.7% | 7.13% |
| 17 | Local Government | F | 22 | 5 | 63.6% | 7.50% |
| 18 | Guaranteed Rate | B | 18 | 8 | 16.7% | 6.59% |
| 19 | New Day Financial | F | 18 | 3 | 44.4% | 7.25% |
| 20 | Atlantic Bay Mortgage Group | A | 18 | 14 | 0.0% | 6.69% |
| 21 | Newrez | D | 18 | 4 | 22.2% | 6.69% |
| 22 | Loandepot.Com | D | 16 | 7 | 43.8% | 5.99% |
| 23 | COASTAL Federal Credit Union | C | 15 | 6 | 46.7% | 7.70% |
| 24 | Pennymac Loan Services | C | 14 | 9 | 21.4% | 5.99% |
| 25 | Carrington Mortgage Services | D | 14 | 6 | 42.9% | 6.63% |
Best approval odds in Edgecombe County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 79 | 27.9% |
| 2 | State Employees' | 188 | 42.0% |
| 3 | Vanderbilt Mortgage and Finance | 85 | 76.5% |
What Edgecombe County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Edgecombe County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,426 | 667 | 27.3% | 6.75% | $115,000 |
| 2024 | 1,433 | 683 | 28.5% | 6.88% | $125,000 |
| 2025 | 1,522 | 675 | 27.5% | 6.63% | $125,000 |
Frequently asked questions
27.5% of applications in Edgecombe County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 225 applications in 2025 and a denial rate of 35.1%.
The median mortgage application in Edgecombe County in 2025 was for $125,000; the median property value on originated loans was $195,000.