Calcon Mutual Mortgage in North Carolina vs the state
8.8%Denial rate-9.29 pts vs state
11.8%Decision denial rate-11.06 pts vs state
65.1%Origination rate+7.32 pts vs state
6.38%Median rate-0.13 pts vs state
0.42Rate spread (pts)+0.33 pts vs state
$102kMedian applicant income
297Loans originated
40Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 115 | 9.5% | 7.13% | #191 |
| 2024 | 330 | 199 | 9.7% | 6.75% | #166 |
| 2025 | 456 | 297 | 8.8% | 6.38% | #146 |
What Calcon Mutual 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 Calcon Mutual Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dare County | 56 | 43 | 3 | 5.4% |
| Brunswick County | 28 | 20 | 3 | 10.7% |
| Currituck County | 26 | 18 | 0 | 0.0% |
| Robeson County | 19 | 10 | 1 | 5.3% |
| Moore County | 13 | 9 | 1 | 7.7% |
| Pitt County | 11 | 5 | 1 | 9.1% |
| Pasquotank County | 11 | 9 | 0 | 0.0% |
| Cumberland County | 11 | 6 | 1 | 9.1% |
| Mecklenburg County | 10 | 6 | 1 | 10.0% |
| Columbus County | 10 | 6 | 2 | 20.0% |
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: 456 applications in 2025, of which 297 were originated and 40 denied.
8.8% of all applications, or 11.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Calcon Mutual Mortgage originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Calcon Mutual 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