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Wilson County, North Carolina · 2025

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

250 lenders acted on 3,032 mortgage applications for properties in Wilson County in 2025. 20.6% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $175,000; median property value $265,000.

3.0kApplications
20.6%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$175,000Median loan
$265,000Median property value

Largest lenders in Wilson County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 547307 28.3%6.25%
2 Truist Bank C 13378 24.8%6.50%
3 Rocket Mortgage C 13188 22.1%6.63%
4 Vanderbilt Mortgage and Finance F 10810 48.2%8.99%
5 United Shore Financial Services B 10769 12.2%6.12%
6 Southern Bank and Trust A 8358 21.7%7.50%
7 Freedom Mortgage B 7030 5.7%6.25%
8 Mortgage Research Center C 7031 28.6%6.25%
9 T2 Financial B 6856 7.4%6.63%
10 Kiavi Funding D 6119 1.6%9.25%
11 First-Citizens Bank & Trust B 6042 20.0%6.50%
12 Crosscountry Mortgage B 5541 0.0%6.75%
13 PNC Bank D 5422 33.3%7.39%
14 Navy Federal Credit Union D 5424 24.1%7.13%
15 Pennymac Loan Services C 4822 10.4%6.06%
16 Dhi Mortgage Company B 4530 28.9%5.12%
17 Loandepot.Com D 3817 26.3%6.50%
18 Newrez D 3611 25.0%6.25%
19 Village Capital & Investment C 359 20.0%6.75%
20 Movement Mortgage A 3525 5.7%6.63%
21 Integrity Home Mortgage B 3533 0.0%6.50%
22 Broker Solutions D 328 21.9%6.75%
23 COASTAL Federal Credit Union C 3117 35.5%7.50%
24 AmeriSave Mortgage D 306 66.7%7.00%
25 New Day Financial F 305 36.7%7.25%

Best approval odds in Wilson County

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

#LenderDecidedDecision denial rate
1T2 Financial657.7%
2United Shore Financial Services8615.1%
3Southern Bank and Trust8321.7%
4First-Citizens Bank & Trust5521.8%
5Rocket Mortgage12223.8%
6Truist Bank11528.7%
7State Employees'46533.3%
8Mortgage Research Center5238.5%
9Vanderbilt Mortgage and Finance6382.5%

What Wilson County borrowers applied for

By loan purpose

Home purchase 1,302 43% · 13.2% denied
Refinance 522 17% · 16.7% denied
Cash-out refinance 614 20% · 26.7% denied
Home improvement 299 10% · 35.5% denied
Other / HELOC 295 10% · 32.5% denied

By loan type

Conventional 2,053 68% · 22.5% denied
FHA 580 19% · 17.4% denied
VA 390 13% · 15.6% denied
USDA / RHS 9 0% · 11.1% denied

Why applications were denied

Credit history 216 35%
Debt-to-income ratio 210 34%
Collateral 64 10%
Incomplete application 63 10%
Unverifiable information 30 5%
Other 27 4%
Insufficient cash 10 2%
Employment history 4 1%

Wilson County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,4641,39721.7%6.75%$135,000
20242,7471,53823.6%6.88%$155,000
20253,0321,64920.6%6.50%$175,000

Frequently asked questions

20.6% of applications in Wilson County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 547 applications in 2025 and a denial rate of 28.3%.

The median mortgage application in Wilson County in 2025 was for $175,000; the median property value on originated loans was $265,000.