Atlanta Postal in North Carolina vs the state
41.4%Denial rate+23.32 pts vs state
55.8%Decision denial rate+32.99 pts vs state
31.0%Origination rate-26.78 pts vs state
8.13%Median rate+1.63 pts vs state
1.59Rate spread (pts)+1.50 pts vs state
$84kMedian applicant income
18Loans originated
24Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 5 | 30.0% | 8.50% | #506 |
| 2024 | 50 | 24 | 16.0% | 8.75% | #388 |
| 2025 | 58 | 18 | 41.4% | 8.13% | #378 |
What Atlanta Postal lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Atlanta Postal applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 11 | 2 | 7 | 63.6% |
| Rowan County | 5 | 2 | 1 | 20.0% |
| Henderson County | 4 | 1 | 0 | 0.0% |
| Buncombe County | 4 | 2 | 1 | 25.0% |
| Union County | 4 | 0 | 3 | 75.0% |
| Alamance County | 3 | 2 | 1 | 33.3% |
| Guilford County | 3 | 0 | 1 | 33.3% |
| Mecklenburg County | 2 | 1 | 1 | 50.0% |
| Davidson County | 1 | 0 | 0 | 0.0% |
| Cumberland 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: 58 applications in 2025, of which 18 were originated and 24 denied.
41.4% of all applications, or 55.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Atlanta Postal originated in North Carolina in 2025 was 8.13%, against a statewide median of 6.50%.
About this data. Figures are Atlanta Postal'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