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Pitt County, North Carolina · 2025

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

312 lenders acted on 6,944 mortgage applications for properties in Pitt County in 2025. 19.4% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $175,000; median property value $295,000.

6.9kApplications
19.4%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$175,000Median loan
$295,000Median property value

Largest lenders in Pitt County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 1,037613 23.1%6.25%
2 Vanderbilt Mortgage and Finance F 51930 46.8%10.25%
3 Truist Bank C 385256 19.5%6.49%
4 Rocket Mortgage C 343265 13.7%6.50%
5 Dhi Mortgage Company B 255173 17.7%5.38%
6 Southern Bank and Trust A 244204 11.1%6.95%
7 Atlantic Bay Mortgage Group A 187146 0.5%6.50%
8 Alcova Mortgage A 179152 1.1%6.50%
9 United Shore Financial Services B 158100 17.7%6.25%
10 First-Citizens Bank & Trust B 154111 14.3%6.25%
11 Mortgage Research Center C 14875 16.2%6.50%
12 Towne Bank B 148132 4.7%6.75%
13 Navy Federal Credit Union D 14367 25.9%7.63%
14 Freedom Mortgage B 11051 4.6%6.25%
15 American Security Mortgage A 10166 1.0%6.49%
16 Bank of America F 9735 37.1%6.13%
17 Broker Solutions D 9641 16.7%6.63%
18 21st Mortgage F 9418 63.8%9.14%
19 Newrez D 9435 23.4%6.38%
20 Movement Mortgage A 9163 1.1%6.63%
21 Pennymac Loan Services C 8740 4.6%5.99%
22 Kiavi Funding D 7829 3.9%10.45%
23 JPMorgan Chase Bank B 7356 5.5%6.38%
24 PNC Bank D 6730 32.8%7.39%
25 AmeriSave Mortgage D 6720 53.7%8.06%

Best approval odds in Pitt County

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

#LenderDecidedDecision denial rate
1Atlantic Bay Mortgage Group1510.7%
2Alcova Mortgage1711.2%
3Movement Mortgage781.3%
4American Security Mortgage721.4%
5Integrity Home Mortgage502.0%
6Towne Bank1395.0%
7JPMorgan Chase Bank606.7%
8Freedom Mortgage628.1%
9Southern Bank and Trust24311.1%
10Rocket Mortgage32714.4%

What Pitt County borrowers applied for

By loan purpose

Home purchase 3,596 52% · 15.3% denied
Refinance 989 14% · 16.2% denied
Cash-out refinance 1,088 16% · 22.3% denied
Home improvement 589 8% · 33.1% denied
Other / HELOC 682 10% · 29.3% denied

By loan type

Conventional 5,099 73% · 21.2% denied
FHA 1,019 15% · 15.0% denied
VA 794 11% · 13.9% denied
USDA / RHS 32 0% · 12.5% denied

Why applications were denied

Credit history 538 40%
Debt-to-income ratio 378 28%
Collateral 115 9%
Unverifiable information 114 8%
Incomplete application 105 8%
Other 62 5%
Insufficient cash 25 2%
Employment history 10 1%

Pitt County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20235,7743,26521.2%6.63%$145,000
20246,3333,52921.8%6.75%$165,000
20256,9443,90119.4%6.50%$175,000

Frequently asked questions

19.4% of applications in Pitt County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 1,037 applications in 2025 and a denial rate of 23.1%.

The median mortgage application in Pitt County in 2025 was for $175,000; the median property value on originated loans was $295,000.