Citibank in North Carolina vs the state
15.9%Denial rate-2.21 pts vs state
25.7%Decision denial rate+2.92 pts vs state
43.9%Origination rate-13.91 pts vs state
6.13%Median rate-0.38 pts vs state
-0.16Rate spread (pts)-0.24 pts vs state
$184kMedian applicant income
144Loans originated
52Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 303 | 170 | 4.3% | 5.88% | #153 |
| 2024 | 347 | 155 | 11.2% | 6.50% | #162 |
| 2025 | 328 | 144 | 15.9% | 6.13% | #184 |
What Citibank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 80 | 34 | 15 | 18.8% |
| Wake County | 55 | 28 | 5 | 9.1% |
| Durham County | 15 | 9 | 1 | 6.7% |
| Union County | 15 | 5 | 3 | 20.0% |
| Brunswick County | 12 | 10 | 0 | 0.0% |
| Cabarrus County | 12 | 3 | 3 | 25.0% |
| New Hanover County | 9 | 4 | 1 | 11.1% |
| Iredell County | 9 | 4 | 1 | 11.1% |
| Guilford County | 8 | 3 | 0 | 0.0% |
| Cumberland County | 7 | 1 | 1 | 14.3% |
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: 328 applications in 2025, of which 144 were originated and 52 denied.
15.9% of all applications, or 25.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Citibank originated in North Carolina in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Citibank'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