Bangor Savings Bank in North Carolina vs the state
33.3%Denial rate+15.27 pts vs state
37.5%Decision denial rate+14.68 pts vs state
55.6%Origination rate-2.25 pts vs state
7.25%Median rate+0.75 pts vs state
0.29Rate spread (pts)+0.20 pts vs state
$98kMedian applicant income
5Loans originated
3Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 4 | 25.0% | 6.94% | #654 |
| 2024 | 7 | 3 | 14.3% | 6.13% | #661 |
| 2025 | 9 | 5 | 33.3% | 7.25% | #641 |
What Bangor Savings Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Bangor Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Iredell County | 1 | 1 | 0 | 0.0% |
| Gaston County | 1 | 1 | 0 | 0.0% |
| Forsyth County | 1 | 1 | 0 | 0.0% |
| Union County | 1 | 0 | 1 | 100.0% |
| Mecklenburg County | 1 | 0 | 1 | 100.0% |
| Catawba County | 1 | 1 | 0 | 0.0% |
| New Hanover County | 1 | 0 | 0 | 0.0% |
| Buncombe County | 1 | 1 | 0 | 0.0% |
| Guilford 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: 9 applications in 2025, of which 5 were originated and 3 denied.
33.3% of all applications, or 37.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Bangor Savings Bank originated in North Carolina in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Bangor Savings Bank'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