ABL RPC Residential Credit Acquisition in North Carolina vs the state
31.9%Denial rate+13.85 pts vs state
31.9%Decision denial rate+9.09 pts vs state
60.6%Origination rate+2.83 pts vs state
11.50%Median rate+5.00 pts vs state
—Rate spread (pts)
—Median applicant income
57Loans originated
30Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 45 | 12.1% | 9.63% | #350 |
| 2024 | 113 | 89 | 9.7% | 7.75% | #288 |
| 2025 | 94 | 57 | 31.9% | 11.50% | #329 |
What ABL RPC Residential Credit Acquisition lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most ABL RPC Residential Credit Acquisition applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brunswick County | 15 | 12 | 2 | 13.3% |
| Mecklenburg County | 14 | 3 | 11 | 78.6% |
| Catawba County | 9 | 9 | 0 | 0.0% |
| Franklin County | 7 | 5 | 2 | 28.6% |
| Gaston County | 6 | 2 | 2 | 33.3% |
| Wake County | 6 | 5 | 0 | 0.0% |
| Rowan County | 5 | 5 | 0 | 0.0% |
| Durham County | 5 | 2 | 3 | 60.0% |
| Forsyth County | 5 | 3 | 1 | 20.0% |
| Iredell County | 3 | 2 | 1 | 33.3% |
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: 94 applications in 2025, of which 57 were originated and 30 denied.
31.9% of all applications, or 31.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans ABL RPC Residential Credit Acquisition originated in North Carolina in 2025 was 11.50%, against a statewide median of 6.50%.
About this data. Figures are ABL RPC Residential Credit Acquisition'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