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Pender County, North Carolina · 2025

Mortgage lenders in Pender County, NC: denial rates and top lenders (2025)

293 lenders acted on 4,431 mortgage applications for properties in Pender County in 2025. 16.8% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $275,000; median property value $455,000.

4.4kApplications
16.8%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$275,000Median loan
$455,000Median property value

Largest lenders in Pender County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 329190 24.3%6.25%
2 Dhi Mortgage Company B 252150 13.5%5.50%
3 Vanderbilt Mortgage and Finance F 22453 31.7%6.25%
4 Rocket Mortgage C 203155 15.8%6.63%
5 Crosscountry Mortgage B 191122 1.1%6.63%
6 Corning Credit Union A 169121 16.6%6.50%
7 Navy Federal Credit Union D 15574 20.7%6.88%
8 First-Citizens Bank & Trust B 13092 15.4%6.39%
9 Freedom Mortgage B 12664 3.2%5.75%
10 Newrez D 11165 9.9%6.25%
11 Mortgage Research Center C 10953 14.7%6.38%
12 United Shore Financial Services B 10873 11.1%6.00%
13 Guaranteed Rate B 8849 4.6%6.58%
14 First National Bank of Pennsylvania B 8050 32.5%6.49%
15 Pennymac Loan Services C 7436 8.1%5.99%
16 Truist Bank C 6734 34.3%6.66%
17 Integrity Home Mortgage B 6755 0.0%6.63%
18 Movement Mortgage A 6447 3.1%6.50%
19 Atlantic Bay Mortgage Group A 6254 0.0%6.63%
20 21st Mortgage F 588 46.6%9.83%
21 Loandepot.Com D 5828 29.3%5.99%
22 PNC Bank D 5332 18.9%7.39%
23 Bank of America F 5223 30.8%6.49%
24 Loansteady A 5035 2.0%6.25%
25 T2 Financial B 4437 2.3%6.50%

Best approval odds in Pender County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Atlantic Bay Mortgage Group570.0%
2Integrity Home Mortgage630.0%
3Crosscountry Mortgage1251.6%
4Movement Mortgage573.5%
5Freedom Mortgage814.9%
6Guaranteed Rate547.4%
7United Shore Financial Services9113.2%
8Newrez7714.3%
9Rocket Mortgage19216.7%
10First-Citizens Bank & Trust11617.2%

What Pender County borrowers applied for

By loan purpose

Home purchase 2,243 51% · 11.9% denied
Refinance 716 16% · 13.4% denied
Cash-out refinance 585 13% · 20.5% denied
Home improvement 408 9% · 27.2% denied
Other / HELOC 479 11% · 31.9% denied

By loan type

Conventional 3,121 70% · 19.6% denied
FHA 535 12% · 15.0% denied
VA 764 17% · 6.7% denied
USDA / RHS 11 0% · 27.3% denied

Why applications were denied

Debt-to-income ratio 276 37%
Credit history 181 24%
Incomplete application 95 13%
Collateral 88 12%
Other 51 7%
Unverifiable information 40 5%
Insufficient cash 13 2%
Employment history 2 0%

Pender County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,8222,04721.1%6.63%$215,000
20244,1512,34818.7%6.63%$245,000
20254,4312,53516.8%6.50%$275,000

Frequently asked questions

16.8% of applications in Pender County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 329 applications in 2025 and a denial rate of 24.3%.

The median mortgage application in Pender County in 2025 was for $275,000; the median property value on originated loans was $455,000.