AgCarolina Farm Credit, FLCA in North Carolina vs the state
5.6%Denial rate-12.49 pts vs state
7.1%Decision denial rate-15.77 pts vs state
68.3%Origination rate+10.48 pts vs state
7.96%Median rate+1.46 pts vs state
1.82Rate spread (pts)+1.73 pts vs state
$148kMedian applicant income
196Loans originated
16Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 150 | 7.5% | 8.29% | #209 |
| 2024 | 253 | 200 | 3.2% | 8.37% | #197 |
| 2025 | 287 | 196 | 5.6% | 7.96% | #200 |
What AgCarolina Farm Credit, FLCA lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most AgCarolina Farm Credit, FLCA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnston County | 23 | 17 | 0 | 0.0% |
| Duplin County | 17 | 14 | 1 | 5.9% |
| Franklin County | 16 | 13 | 0 | 0.0% |
| Wayne County | 14 | 10 | 0 | 0.0% |
| Harnett County | 13 | 7 | 1 | 7.7% |
| Robeson County | 13 | 11 | 1 | 7.7% |
| Nash County | 12 | 7 | 0 | 0.0% |
| Sampson County | 12 | 8 | 1 | 8.3% |
| Wilson County | 10 | 10 | 0 | 0.0% |
| Chowan County | 8 | 7 | 1 | 12.5% |
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: 287 applications in 2025, of which 196 were originated and 16 denied.
5.6% of all applications, or 7.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans AgCarolina Farm Credit, FLCA originated in North Carolina in 2025 was 7.96%, against a statewide median of 6.50%.
About this data. Figures are AgCarolina Farm Credit, FLCA'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