Largest lenders in Halifax County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 214 | 86 | 36.9% | 6.25% |
| 2 | Vanderbilt Mortgage and Finance | F | 179 | 17 | 47.5% | 9.75% |
| 3 | Atlantic Bay Mortgage Group | A | 75 | 58 | 0.0% | 6.56% |
| 4 | 21st Mortgage | F | 72 | 2 | 62.5% | 11.48% |
| 5 | Truist Bank | C | 66 | 26 | 39.4% | 6.81% |
| 6 | Rocket Mortgage | C | 47 | 31 | 21.3% | 6.63% |
| 7 | First-Citizens Bank & Trust | B | 36 | 25 | 13.9% | 6.49% |
| 8 | Mortgage Research Center | C | 32 | 14 | 12.5% | 6.44% |
| 9 | PNC Bank | D | 29 | 9 | 48.3% | 7.10% |
| 10 | United Shore Financial Services | B | 25 | 16 | 24.0% | 6.00% |
| 11 | Southern Bank and Trust | A | 25 | 23 | 4.0% | 7.50% |
| 12 | Newrez | D | 20 | 6 | 15.0% | 6.68% |
| 13 | Broker Solutions | D | 19 | 4 | 5.3% | 6.75% |
| 14 | Navy Federal Credit Union | D | 17 | 7 | 47.1% | 6.50% |
| 15 | Loandepot.Com | D | 15 | 4 | 53.3% | 7.50% |
| 16 | AmeriSave Mortgage | D | 14 | 3 | 50.0% | 6.63% |
| 17 | Crosscountry Mortgage | B | 14 | 7 | 0.0% | 6.63% |
| 18 | Pennymac Loan Services | C | 13 | 4 | 0.0% | 6.06% |
| 19 | COASTAL Federal Credit Union | C | 13 | 7 | 23.1% | 7.40% |
| 20 | New Day Financial | F | 12 | 4 | 16.7% | 6.87% |
| 21 | Freedom Mortgage | B | 12 | 7 | 8.3% | 6.38% |
| 22 | Guaranteed Rate | B | 11 | 9 | 0.0% | 6.55% |
| 23 | Local Government | F | 10 | 4 | 50.0% | 8.33% |
| 24 | Coastal Community Bank | C | 10 | 5 | 0.0% | 10.49% |
| 25 | Bank of America | F | 8 | 2 | 50.0% | 6.37% |
Best approval odds in Halifax County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Atlantic Bay Mortgage Group | 58 | 0.0% |
| 2 | State Employees' | 165 | 47.9% |
| 3 | Truist Bank | 54 | 48.2% |
| 4 | Vanderbilt Mortgage and Finance | 104 | 81.7% |
What Halifax County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Halifax County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,273 | 527 | 32.4% | 6.75% | $105,000 |
| 2024 | 1,273 | 532 | 33.3% | 6.94% | $125,000 |
| 2025 | 1,311 | 540 | 28.7% | 6.63% | $115,000 |
Frequently asked questions
28.7% of applications in Halifax County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 214 applications in 2025 and a denial rate of 36.9%.
The median mortgage application in Halifax County in 2025 was for $115,000; the median property value on originated loans was $210,000.