C & F Mortgage in North Carolina vs the state
3.7%Denial rate-14.34 pts vs state
4.8%Decision denial rate-18.06 pts vs state
73.6%Origination rate+15.80 pts vs state
6.50%Median rate0.00 pts vs state
0.29Rate spread (pts)+0.20 pts vs state
$100kMedian applicant income
198Loans originated
10Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 100 | 80 | 3.0% | 6.63% | #287 |
| 2024 | 122 | 99 | 2.5% | 6.75% | #277 |
| 2025 | 269 | 198 | 3.7% | 6.50% | #207 |
What C & F Mortgage lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most C & F Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gaston County | 42 | 37 | 0 | 0.0% |
| Scotland County | 23 | 10 | 5 | 21.7% |
| Currituck County | 20 | 14 | 0 | 0.0% |
| Lincoln County | 16 | 12 | 0 | 0.0% |
| Wake County | 13 | 6 | 1 | 7.7% |
| Pasquotank County | 13 | 11 | 0 | 0.0% |
| Catawba County | 10 | 7 | 3 | 30.0% |
| Guilford County | 10 | 6 | 0 | 0.0% |
| Hertford County | 9 | 7 | 0 | 0.0% |
| Durham County | 9 | 7 | 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: 269 applications in 2025, of which 198 were originated and 10 denied.
3.7% of all applications, or 4.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans C & F Mortgage originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are C & F Mortgage'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