Center Street Lending VIII SPE in North Carolina vs the state
12.5%Denial rate-5.56 pts vs state
14.8%Decision denial rate-8.01 pts vs state
71.9%Origination rate+14.07 pts vs state
9.99%Median rate+3.49 pts vs state
—Rate spread (pts)
—Median applicant income
23Loans originated
4Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 45 | 34 | 0.0% | 10.99% | #403 |
| 2025 | 32 | 23 | 12.5% | 9.99% | #460 |
What Center Street Lending VIII SPE lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
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: 32 applications in 2025, of which 23 were originated and 4 denied.
12.5% of all applications, or 14.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Center Street Lending VIII SPE originated in North Carolina in 2025 was 9.99%, against a statewide median of 6.50%.
About this data. Figures are Center Street Lending VIII SPE'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