Affinity in North Carolina vs the state
12.8%Denial rate-5.24 pts vs state
16.7%Decision denial rate-6.15 pts vs state
64.1%Origination rate+6.29 pts vs state
4.90%Median rate-1.60 pts vs state
-2.19Rate spread (pts)-2.28 pts vs state
$160kMedian applicant income
25Loans originated
5Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 19 | 27.9% | 8.00% | #392 |
| 2024 | 31 | 16 | 32.3% | 6.99% | #450 |
| 2025 | 39 | 25 | 12.8% | 4.90% | #432 |
What Affinity lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 8 | 6 | 0 | 0.0% |
| Mecklenburg County | 7 | 3 | 2 | 28.6% |
| Guilford County | 3 | 2 | 0 | 0.0% |
| Durham County | 2 | 1 | 1 | 50.0% |
| Moore County | 2 | 1 | 0 | 0.0% |
| Alamance County | 2 | 1 | 0 | 0.0% |
| Cabarrus County | 2 | 1 | 0 | 0.0% |
| Iredell County | 2 | 2 | 0 | 0.0% |
| Currituck County | 1 | 1 | 0 | 0.0% |
| Johnston County | 1 | 0 | 1 | 100.0% |
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: 39 applications in 2025, of which 25 were originated and 5 denied.
12.8% of all applications, or 16.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Affinity originated in North Carolina in 2025 was 4.90%, against a statewide median of 6.50%.
About this data. Figures are Affinity'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