AAA Capital Investment in North Carolina vs the state
6.7%Denial rate-11.39 pts vs state
6.7%Decision denial rate-16.15 pts vs state
62.2%Origination rate+4.41 pts vs state
6.81%Median rate+0.31 pts vs state
0.67Rate spread (pts)+0.58 pts vs state
$57kMedian applicant income
28Loans originated
3Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 10 | 7.1% | 7.63% | #566 |
| 2024 | 25 | 19 | 4.0% | 6.88% | #477 |
| 2025 | 45 | 28 | 6.7% | 6.81% | #417 |
What AAA Capital Investment lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most AAA Capital Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 8 | 6 | 0 | 0.0% |
| Wake County | 7 | 2 | 1 | 14.3% |
| Edgecombe County | 6 | 5 | 1 | 16.7% |
| Durham County | 5 | 3 | 0 | 0.0% |
| Union County | 5 | 3 | 1 | 20.0% |
| Rutherford County | 3 | 1 | 0 | 0.0% |
| Guilford County | 2 | 1 | 0 | 0.0% |
| Sampson County | 2 | 2 | 0 | 0.0% |
| Henderson County | 2 | 1 | 0 | 0.0% |
| Nash County | 1 | 1 | 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: 45 applications in 2025, of which 28 were originated and 3 denied.
6.7% of all applications, or 6.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans AAA Capital Investment originated in North Carolina in 2025 was 6.81%, against a statewide median of 6.50%.
About this data. Figures are AAA Capital Investment'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