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Stokes County, North Carolina · 2025

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

201 lenders acted on 2,135 mortgage applications for properties in Stokes County in 2025. 21.4% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $165,000; median property value $295,000.

2.1kApplications
21.4%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$165,000Median loan
$295,000Median property value

Largest lenders in Stokes County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Allegacy Federal Credit Union B 184125 13.6%5.75%
2 State Employees' C 13781 23.4%6.25%
3 Rocket Mortgage C 13480 20.9%6.99%
4 Vanderbilt Mortgage and Finance F 12424 43.6%8.75%
5 Truliant Federal Credit Union D 8738 47.1%7.25%
6 Loandepot.Com D 7941 35.4%5.75%
7 Atlantic Bay Mortgage Group A 7663 1.3%6.88%
8 United Shore Financial Services B 7138 18.3%6.04%
9 Truist Bank C 6741 29.9%6.49%
10 Fairway Independent Mortgage B 6352 3.2%6.63%
11 First National Bank of Pennsylvania B 5940 15.3%6.52%
12 First-Citizens Bank & Trust B 5838 27.6%6.43%
13 Freedom Mortgage B 4521 11.1%6.25%
14 Mortgage Research Center C 4116 31.7%6.50%
15 Dhi Mortgage Company B 3428 8.8%5.13%
16 Movement Mortgage A 3327 0.0%6.44%
17 Highlands Residential Mortgage B 3024 0.0%6.63%
18 AmeriSave Mortgage D 297 55.2%6.50%
19 Broker Solutions D 297 6.9%7.25%
20 Newrez D 279 29.6%6.38%
21 First Horizon Bank B 2516 28.0%7.19%
22 Coastal Community Bank C 2410 0.0%9.87%
23 Crosscountry Mortgage B 2214 0.0%6.69%
24 Carrington Mortgage Services D 208 45.0%6.63%
25 Pennymac Loan Services C 1913 5.3%5.99%

Best approval odds in Stokes County

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

#LenderDecidedDecision denial rate
1Atlantic Bay Mortgage Group641.6%
2Fairway Independent Mortgage543.7%
3Allegacy Federal Credit Union15216.5%
4Rocket Mortgage11324.8%
5United Shore Financial Services5225.0%
6State Employees'11328.3%
7First-Citizens Bank & Trust5529.1%
8Truist Bank6132.8%
9Loandepot.Com6940.6%
10Truliant Federal Credit Union8150.6%

What Stokes County borrowers applied for

By loan purpose

Home purchase 919 43% · 15.3% denied
Refinance 335 16% · 19.4% denied
Cash-out refinance 395 19% · 25.8% denied
Home improvement 241 11% · 27.8% denied
Other / HELOC 245 11% · 33.1% denied

By loan type

Conventional 1,463 69% · 22.6% denied
FHA 452 21% · 19.5% denied
VA 201 9% · 16.9% denied
USDA / RHS 19 1% · 15.8% denied

Why applications were denied

Debt-to-income ratio 127 28%
Credit history 125 27%
Collateral 70 15%
Unverifiable information 50 11%
Incomplete application 36 8%
Other 34 7%
Insufficient cash 10 2%
Employment history 4 1%

Stokes County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,63293422.0%6.75%$125,000
20241,8051,04720.7%6.63%$155,000
20252,1351,20021.4%6.50%$165,000

Frequently asked questions

21.4% of applications in Stokes County were denied in 2025, against 18.1% statewide in North Carolina.

Allegacy Federal Credit Union, with 184 applications in 2025 and a denial rate of 13.6%.

The median mortgage application in Stokes County in 2025 was for $165,000; the median property value on originated loans was $295,000.