Capital Center in North Carolina vs the state
15.3%Denial rate-2.76 pts vs state
20.1%Decision denial rate-2.75 pts vs state
60.9%Origination rate+3.10 pts vs state
6.38%Median rate-0.13 pts vs state
-0.01Rate spread (pts)-0.10 pts vs state
$140kMedian applicant income
215Loans originated
54Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 272 | 143 | 13.6% | 6.75% | #165 |
| 2024 | 283 | 162 | 12.0% | 6.63% | #183 |
| 2025 | 353 | 215 | 15.3% | 6.38% | #173 |
What Capital Center lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Capital Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 78 | 48 | 6 | 7.7% |
| Mecklenburg County | 32 | 15 | 6 | 18.8% |
| Dare County | 15 | 10 | 3 | 20.0% |
| Forsyth County | 14 | 10 | 1 | 7.1% |
| Guilford County | 14 | 9 | 4 | 28.6% |
| Alamance County | 12 | 5 | 4 | 33.3% |
| Cabarrus County | 12 | 10 | 0 | 0.0% |
| Johnston County | 11 | 7 | 2 | 18.2% |
| Brunswick County | 10 | 6 | 2 | 20.0% |
| Currituck County | 10 | 4 | 3 | 30.0% |
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: 353 applications in 2025, of which 215 were originated and 54 denied.
15.3% of all applications, or 20.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Capital Center originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Capital Center'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