Largest lenders in Pamlico County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First-Citizens Bank & Trust | B | 63 | 44 | 15.9% | 6.49% |
| 2 | State Employees' | C | 58 | 31 | 32.8% | 6.25% |
| 3 | Rocket Mortgage | C | 38 | 24 | 18.4% | 6.81% |
| 4 | Guaranteed Rate | B | 30 | 20 | 6.7% | 6.60% |
| 5 | Atlantic Bay Mortgage Group | A | 21 | 13 | 0.0% | 6.75% |
| 6 | 21st Mortgage | F | 20 | 3 | 50.0% | 9.16% |
| 7 | Vanderbilt Mortgage and Finance | F | 20 | 5 | 40.0% | 9.75% |
| 8 | Movement Mortgage | A | 18 | 14 | 0.0% | 6.91% |
| 9 | United Shore Financial Services | B | 17 | 14 | 5.9% | 6.57% |
| 10 | Navy Federal Credit Union | D | 17 | 12 | 11.8% | 7.25% |
| 11 | Mortgage Research Center | C | 16 | 6 | 31.3% | 6.12% |
| 12 | Truist Bank | C | 13 | 7 | 23.1% | 5.99% |
| 13 | Southern Bank and Trust | A | 13 | 13 | 0.0% | 7.50% |
| 14 | Freedom Mortgage | B | 12 | 6 | 8.3% | 6.00% |
| 15 | Newrez | D | 10 | 2 | 10.0% | 6.44% |
| 16 | First National Bank of Pennsylvania | B | 9 | 6 | 33.3% | 6.87% |
| 17 | Broker Solutions | D | 9 | 1 | 0.0% | 7.38% |
| 18 | United Bank | C | 8 | 5 | 12.5% | 7.25% |
| 19 | PNC Bank | D | 7 | 6 | 14.3% | 7.01% |
| 20 | AmeriSave Mortgage | D | 7 | 1 | 42.9% | 7.00% |
| 21 | Loandepot.Com | D | 6 | 2 | 33.3% | 6.94% |
| 22 | Sofi Bank | D | 6 | 0 | 16.7% | — |
| 23 | Wells Fargo Bank | B | 5 | 2 | 0.0% | 6.00% |
| 24 | Bank of America | F | 5 | 2 | 40.0% | 6.24% |
| 25 | U.S. Bank | D | 5 | 0 | 80.0% | — |
Best approval odds in Pamlico County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First-Citizens Bank & Trust | 57 | 17.5% |
| 2 | State Employees' | 50 | 38.0% |
What Pamlico County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Pamlico County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 444 | 244 | 20.7% | 6.75% | $155,000 |
| 2024 | 523 | 295 | 18.0% | 6.88% | $195,000 |
| 2025 | 618 | 342 | 19.9% | 6.63% | $205,000 |
Frequently asked questions
19.9% of applications in Pamlico County were denied in 2025, against 18.1% statewide in North Carolina.
First-Citizens Bank & Trust, with 63 applications in 2025 and a denial rate of 15.9%.
The median mortgage application in Pamlico County in 2025 was for $205,000; the median property value on originated loans was $385,000.