Beeline Loans in North Carolina vs the state
22.0%Denial rate+3.96 pts vs state
55.2%Decision denial rate+32.40 pts vs state
17.9%Origination rate-39.95 pts vs state
6.99%Median rate+0.49 pts vs state
0.53Rate spread (pts)+0.44 pts vs state
$88kMedian applicant income
60Loans originated
74Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 192 | 14 | 33.9% | 7.00% | #194 |
| 2024 | 286 | 22 | 37.1% | 6.88% | #182 |
| 2025 | 336 | 60 | 22.0% | 6.99% | #178 |
What Beeline Loans lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Beeline Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 54 | 8 | 13 | 24.1% |
| Wake County | 34 | 11 | 3 | 8.8% |
| Cumberland County | 19 | 0 | 8 | 42.1% |
| Durham County | 16 | 1 | 2 | 12.5% |
| Buncombe County | 15 | 3 | 2 | 13.3% |
| Brunswick County | 13 | 1 | 4 | 30.8% |
| Gaston County | 12 | 1 | 6 | 50.0% |
| New Hanover County | 8 | 0 | 3 | 37.5% |
| Guilford County | 8 | 3 | 3 | 37.5% |
| Carteret County | 7 | 4 | 1 | 14.3% |
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: 336 applications in 2025, of which 60 were originated and 74 denied.
22.0% of all applications, or 55.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Beeline Loans originated in North Carolina in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Beeline Loans'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