American Financial Resources in North Carolina vs the state
5.4%Denial rate-12.67 pts vs state
6.8%Decision denial rate-16.07 pts vs state
74.0%Origination rate+16.15 pts vs state
6.38%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.26 pts vs state
$88kMedian applicant income
727Loans originated
53Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 334 | 183 | 9.0% | 6.25% | #148 |
| 2024 | 640 | 435 | 8.1% | 6.50% | #111 |
| 2025 | 983 | 727 | 5.4% | 6.38% | #89 |
What American Financial Resources 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 Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 48 | 40 | 2 | 4.2% |
| Wake County | 46 | 36 | 1 | 2.2% |
| Onslow County | 33 | 27 | 2 | 6.1% |
| Rockingham County | 31 | 22 | 1 | 3.2% |
| Brunswick County | 31 | 20 | 2 | 6.5% |
| Davidson County | 27 | 21 | 0 | 0.0% |
| Surry County | 26 | 21 | 1 | 3.8% |
| Cleveland County | 25 | 17 | 5 | 20.0% |
| Rowan County | 25 | 16 | 0 | 0.0% |
| New Hanover County | 25 | 23 | 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: 983 applications in 2025, of which 727 were originated and 53 denied.
5.4% of all applications, or 6.8% 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 Resources originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are American Financial Resources'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