BNY Mellon in North Carolina vs the state
8.0%Denial rate-10.06 pts vs state
8.3%Decision denial rate-14.49 pts vs state
88.0%Origination rate+30.19 pts vs state
6.13%Median rate-0.38 pts vs state
-0.20Rate spread (pts)-0.28 pts vs state
$390kMedian applicant income
22Loans originated
2Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 23 | 0.0% | 5.75% | #456 |
| 2024 | 13 | 12 | 0.0% | 6.19% | #576 |
| 2025 | 25 | 22 | 8.0% | 6.13% | #488 |
What BNY Mellon lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most BNY Mellon applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Buncombe County | 3 | 3 | 0 | 0.0% |
| Mecklenburg County | 3 | 3 | 0 | 0.0% |
| Wake County | 3 | 2 | 1 | 33.3% |
| Transylvania County | 2 | 2 | 0 | 0.0% |
| New Hanover County | 2 | 2 | 0 | 0.0% |
| Durham County | 2 | 2 | 0 | 0.0% |
| Forsyth County | 2 | 1 | 1 | 50.0% |
| Carteret County | 1 | 1 | 0 | 0.0% |
| Johnston County | 1 | 0 | 0 | 0.0% |
| Moore County | 1 | 1 | 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: 25 applications in 2025, of which 22 were originated and 2 denied.
8.0% of all applications, or 8.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans BNY Mellon originated in North Carolina in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are BNY Mellon'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