Largest lenders in Hertford County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 107 | 40 | 48.6% | 6.25% |
| 2 | Vanderbilt Mortgage and Finance | F | 60 | 5 | 46.7% | 9.50% |
| 3 | Southern Bank and Trust | A | 28 | 24 | 14.3% | 7.31% |
| 4 | Rocket Mortgage | C | 20 | 11 | 35.0% | 6.75% |
| 5 | Navy Federal Credit Union | D | 19 | 6 | 26.3% | 7.38% |
| 6 | PNC Bank | D | 14 | 2 | 35.7% | 6.74% |
| 7 | Mortgage Research Center | C | 14 | 10 | 14.3% | 6.63% |
| 8 | Local Government | F | 13 | 2 | 53.9% | 7.70% |
| 9 | Freedom Mortgage | B | 13 | 7 | 15.4% | 6.25% |
| 10 | United Shore Financial Services | B | 10 | 9 | 10.0% | 5.63% |
| 11 | AmeriSave Mortgage | D | 9 | 0 | 77.8% | — |
| 12 | 21st Mortgage | F | 9 | 2 | 44.4% | 11.00% |
| 13 | C & F Mortgage | A | 9 | 7 | 0.0% | 6.88% |
| 14 | Movement Mortgage | A | 8 | 6 | 12.5% | 6.88% |
| 15 | Tidewater Home Funding | A | 7 | 2 | 0.0% | 6.25% |
| 16 | Newrez | D | 7 | 3 | 0.0% | 5.74% |
| 17 | American Neighborhood Mortgage Acceptance Company | B | 7 | 3 | 0.0% | 6.63% |
| 18 | Crosscountry Mortgage | B | 5 | 3 | 20.0% | 6.63% |
| 19 | Village Capital & Investment | C | 5 | 1 | 0.0% | 5.75% |
| 20 | New Day Financial | F | 5 | 1 | 40.0% | 6.49% |
| 21 | Carrington Mortgage Services | D | 5 | 0 | 100.0% | — |
Best approval odds in Hertford County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | State Employees' | 93 | 55.9% |
What Hertford County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hertford County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 476 | 210 | 32.8% | 6.88% | $105,000 |
| 2024 | 391 | 172 | 30.4% | 6.90% | $115,000 |
| 2025 | 478 | 182 | 32.9% | 6.63% | $125,000 |
Frequently asked questions
32.9% of applications in Hertford County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 107 applications in 2025 and a denial rate of 48.6%.
The median mortgage application in Hertford County in 2025 was for $125,000; the median property value on originated loans was $215,000.