1st Signature Lending in North Carolina vs the state
3.3%Denial rate-14.81 pts vs state
4.8%Decision denial rate-17.99 pts vs state
64.0%Origination rate+6.15 pts vs state
5.88%Median rate-0.63 pts vs state
0.30Rate spread (pts)+0.21 pts vs state
$73kMedian applicant income
197Loans originated
10Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 276 | 171 | 9.1% | 6.88% | #163 |
| 2024 | 250 | 157 | 9.6% | 6.50% | #199 |
| 2025 | 308 | 197 | 3.3% | 5.88% | #193 |
What 1st Signature Lending lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most 1st Signature Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Robeson County | 1 | 1 | 0 | 0.0% |
| Clay County | 1 | 0 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 308 applications in 2025, of which 197 were originated and 10 denied.
3.3% of all applications, or 4.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans 1st Signature Lending originated in North Carolina in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are 1st Signature Lending's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology