Largest lenders in Person County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 281 | 162 | 26.3% | 6.20% |
| 2 | Rocket Mortgage | C | 109 | 81 | 15.6% | 6.63% |
| 3 | Vanderbilt Mortgage and Finance | F | 100 | 4 | 35.0% | 9.37% |
| 4 | Roxboro Savings Bank | C | 83 | 64 | 12.1% | — |
| 5 | Loandepot.Com | D | 72 | 38 | 31.9% | 6.50% |
| 6 | United Shore Financial Services | B | 67 | 39 | 14.9% | 6.13% |
| 7 | Truist Bank | C | 57 | 31 | 29.8% | 6.80% |
| 8 | Mortgage Research Center | C | 30 | 13 | 16.7% | 6.38% |
| 9 | First Horizon Bank | B | 29 | 13 | 37.9% | 8.42% |
| 10 | Broker Solutions | D | 29 | 18 | 10.3% | 7.25% |
| 11 | Crosscountry Mortgage | B | 28 | 13 | 7.1% | 6.58% |
| 12 | Newrez | D | 27 | 10 | 25.9% | 6.12% |
| 13 | First National Bank of Pennsylvania | B | 25 | 21 | 8.0% | 6.50% |
| 14 | Union Home Mortgage | B | 25 | 15 | 8.0% | 6.63% |
| 15 | Navy Federal Credit Union | D | 22 | 14 | 13.6% | 6.44% |
| 16 | The Fidelity Bank | B | 22 | 11 | 40.9% | 7.50% |
| 17 | COASTAL Federal Credit Union | C | 21 | 12 | 28.6% | 7.40% |
| 18 | New Day Financial | F | 19 | 2 | 21.1% | 6.99% |
| 19 | Freedom Mortgage | B | 18 | 3 | 5.6% | 5.75% |
| 20 | AmeriSave Mortgage | D | 17 | 6 | 58.8% | 6.44% |
| 21 | Movement Mortgage | A | 17 | 14 | 0.0% | 6.31% |
| 22 | Pennymac Loan Services | C | 15 | 9 | 6.7% | 6.25% |
| 23 | Spring Eq | D | 14 | 2 | 50.0% | 7.93% |
| 24 | Vision Financial | – | 13 | 11 | 15.4% | — |
| 25 | Carrington Mortgage Services | D | 13 | 2 | 38.5% | 5.81% |
Best approval odds in Person County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Roxboro Savings Bank | 74 | 13.5% |
| 2 | Rocket Mortgage | 101 | 16.8% |
| 3 | United Shore Financial Services | 53 | 18.9% |
| 4 | State Employees' | 238 | 31.1% |
| 5 | Loandepot.Com | 63 | 36.5% |
What Person County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Person County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,569 | 850 | 20.8% | 6.75% | $165,000 |
| 2024 | 1,595 | 874 | 21.0% | 6.88% | $185,000 |
| 2025 | 1,712 | 933 | 20.7% | 6.50% | $185,000 |
Frequently asked questions
20.7% of applications in Person County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 281 applications in 2025 and a denial rate of 26.3%.
The median mortgage application in Person County in 2025 was for $185,000; the median property value on originated loans was $305,000.