Largest lenders in Northampton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 111 | 52 | 43.2% | 6.25% |
| 2 | Vanderbilt Mortgage and Finance | F | 49 | 3 | 34.7% | 8.75% |
| 3 | 21st Mortgage | F | 38 | 2 | 44.7% | 11.30% |
| 4 | Rocket Mortgage | C | 23 | 18 | 17.4% | 6.99% |
| 5 | Southern Bank and Trust | A | 23 | 16 | 8.7% | 7.50% |
| 6 | Truist Bank | C | 21 | 11 | 28.6% | 6.25% |
| 7 | Atlantic Bay Mortgage Group | A | 15 | 11 | 0.0% | 6.63% |
| 8 | Mortgage Research Center | C | 13 | 6 | 30.8% | 6.63% |
| 9 | Crosscountry Mortgage | B | 12 | 7 | 0.0% | 6.63% |
| 10 | PNC Bank | D | 11 | 5 | 9.1% | 6.88% |
| 11 | Navy Federal Credit Union | D | 9 | 4 | 11.1% | 7.70% |
| 12 | Local Government | F | 7 | 1 | 71.4% | 8.25% |
| 13 | Loandepot.Com | D | 7 | 3 | 42.9% | 8.63% |
| 14 | AmeriSave Mortgage | D | 6 | 1 | 66.7% | 8.25% |
| 15 | New Day Financial | F | 6 | 2 | 66.7% | 6.99% |
| 16 | Freedom Mortgage | B | 6 | 2 | 0.0% | 6.62% |
| 17 | Newrez | D | 6 | 1 | 50.0% | 5.75% |
| 18 | Broker Solutions | D | 6 | 0 | 33.3% | — |
| 19 | Bank of America | F | 5 | 4 | 20.0% | 6.37% |
| 20 | Guaranteed Rate | B | 5 | 1 | 0.0% | 6.75% |
| 21 | Benchmark Community Bank | C | 5 | 3 | 20.0% | 6.69% |
| 22 | Pentagon Federal Credit Union | F | 5 | 0 | 60.0% | — |
Best approval odds in Northampton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | State Employees' | 100 | 48.0% |
What Northampton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Northampton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 487 | 200 | 30.6% | 6.88% | $105,000 |
| 2024 | 479 | 199 | 34.0% | 6.97% | $115,000 |
| 2025 | 531 | 229 | 28.3% | 6.63% | $115,000 |
Frequently asked questions
28.3% of applications in Northampton County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 111 applications in 2025 and a denial rate of 43.2%.
The median mortgage application in Northampton County in 2025 was for $115,000; the median property value on originated loans was $235,000.