Bpl Mortgage Trust in North Carolina vs the state
8.1%Denial rate-10.01 pts vs state
8.6%Decision denial rate-14.26 pts vs state
77.1%Origination rate+19.31 pts vs state
7.38%Median rate+0.88 pts vs state
—Rate spread (pts)
—Median applicant income
182Loans originated
19Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 189 | 145 | 3.7% | 8.38% | #196 |
| 2024 | 239 | 161 | 14.6% | 7.63% | #201 |
| 2025 | 236 | 182 | 8.1% | 7.38% | #216 |
What Bpl Mortgage Trust lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Bpl Mortgage Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Guilford County | 40 | 36 | 1 | 2.5% |
| Cumberland County | 19 | 12 | 1 | 5.3% |
| Moore County | 16 | 16 | 0 | 0.0% |
| Forsyth County | 14 | 9 | 1 | 7.1% |
| Rockingham County | 11 | 11 | 0 | 0.0% |
| Durham County | 11 | 8 | 0 | 0.0% |
| Catawba County | 10 | 7 | 2 | 20.0% |
| Wake County | 9 | 5 | 1 | 11.1% |
| Gaston County | 9 | 3 | 2 | 22.2% |
| Pitt County | 9 | 9 | 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: 236 applications in 2025, of which 182 were originated and 19 denied.
8.1% of all applications, or 8.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Bpl Mortgage Trust originated in North Carolina in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Bpl Mortgage Trust'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