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Surry County, North Carolina · 2025

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

203 lenders acted on 2,495 mortgage applications for properties in Surry County in 2025. 19.3% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $155,000; median property value $265,000.

2.5kApplications
19.3%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$155,000Median loan
$265,000Median property value

Largest lenders in Surry County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 434264 19.1%6.25%
2 Vanderbilt Mortgage and Finance F 17724 44.1%8.99%
3 Rocket Mortgage C 12596 17.6%6.50%
4 Allegacy Federal Credit Union B 12278 9.8%5.75%
5 Atlantic Bay Mortgage Group A 11085 0.9%6.63%
6 Truist Bank C 8347 28.9%7.20%
7 First National Bank of Pennsylvania B 7553 18.7%6.54%
8 Emm Loans B 7060 1.4%6.44%
9 United Shore Financial Services B 6439 17.2%6.13%
10 First Community Bank F 6240 21.0%7.76%
11 Mortgage Research Center C 4922 14.3%6.25%
12 Fairway Independent Mortgage B 4531 2.2%6.63%
13 Loandepot.Com D 4521 31.1%6.38%
14 Truliant Federal Credit Union D 4314 51.2%8.25%
15 First-Citizens Bank & Trust B 4228 21.4%6.69%
16 First Horizon Bank B 3423 29.4%7.44%
17 Pennymac Loan Services C 3314 9.1%5.69%
18 Freedom Mortgage B 3216 6.3%6.25%
19 PNC Bank D 2917 20.7%7.39%
20 Coastal Community Bank C 275 7.4%7.49%
21 American Financial Resources B 2621 3.9%6.25%
22 Newrez D 256 24.0%6.31%
23 AmeriSave Mortgage D 238 56.5%8.25%
24 Renasant Bank B 2117 4.8%6.25%
25 Bank of America F 186 27.8%6.19%

Best approval odds in Surry County

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

#LenderDecidedDecision denial rate
1Atlantic Bay Mortgage Group861.2%
2Emm Loans641.6%
3Allegacy Federal Credit Union9213.0%
4Rocket Mortgage12118.2%
5United Shore Financial Services5420.4%
6First National Bank of Pennsylvania6720.9%
7First Community Bank5523.6%
8State Employees'35123.7%
9Truist Bank7332.9%
10Vanderbilt Mortgage and Finance10574.3%

What Surry County borrowers applied for

By loan purpose

Home purchase 980 39% · 14.3% denied
Refinance 475 19% · 13.7% denied
Cash-out refinance 448 18% · 21.9% denied
Home improvement 288 12% · 26.0% denied
Other / HELOC 304 12% · 34.2% denied

By loan type

Conventional 1,851 74% · 21.3% denied
FHA 397 16% · 15.1% denied
VA 195 8% · 12.8% denied
USDA / RHS 52 2% · 5.8% denied

Why applications were denied

Credit history 154 32%
Debt-to-income ratio 137 28%
Unverifiable information 59 12%
Collateral 57 12%
Incomplete application 41 9%
Other 28 6%
Insufficient cash 4 1%
Employment history 2 0%

Surry County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,2391,24622.2%6.75%$125,000
20242,1921,26220.7%6.88%$135,000
20252,4951,38919.3%6.50%$155,000

Frequently asked questions

19.3% of applications in Surry County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 434 applications in 2025 and a denial rate of 19.1%.

The median mortgage application in Surry County in 2025 was for $155,000; the median property value on originated loans was $265,000.