American Financial Network in North Carolina vs the state
9.4%Denial rate-8.63 pts vs state
16.3%Decision denial rate-6.51 pts vs state
47.8%Origination rate-10.06 pts vs state
6.75%Median rate+0.25 pts vs state
0.43Rate spread (pts)+0.34 pts vs state
$92kMedian applicant income
233Loans originated
46Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 399 | 179 | 10.0% | 7.13% | #135 |
| 2024 | 564 | 321 | 6.0% | 7.00% | #120 |
| 2025 | 488 | 233 | 9.4% | 6.75% | #138 |
What American Financial Network lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 80 | 24 | 15 | 18.8% |
| Gaston County | 25 | 16 | 0 | 0.0% |
| Cumberland County | 22 | 13 | 1 | 4.5% |
| Cabarrus County | 21 | 8 | 0 | 0.0% |
| Wake County | 20 | 8 | 1 | 5.0% |
| Onslow County | 19 | 13 | 0 | 0.0% |
| Iredell County | 18 | 7 | 0 | 0.0% |
| Rowan County | 12 | 7 | 1 | 8.3% |
| Stanly County | 12 | 3 | 2 | 16.7% |
| Alamance County | 12 | 5 | 1 | 8.3% |
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: 488 applications in 2025, of which 233 were originated and 46 denied.
9.4% of all applications, or 16.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans American Financial Network originated in North Carolina in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are American Financial Network'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