Citizens Bank in North Carolina vs the state
27.5%Denial rate+9.46 pts vs state
31.5%Decision denial rate+8.66 pts vs state
57.3%Origination rate-0.48 pts vs state
7.40%Median rate+0.90 pts vs state
0.18Rate spread (pts)+0.09 pts vs state
$125kMedian applicant income
931Loans originated
447Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,892 | 1,033 | 33.8% | 8.25% | #46 |
| 2024 | 1,322 | 747 | 27.5% | 8.90% | #64 |
| 2025 | 1,624 | 931 | 27.5% | 7.40% | #60 |
What Citizens Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 283 | 192 | 58 | 20.5% |
| Wake County | 197 | 129 | 49 | 24.9% |
| Buncombe County | 70 | 33 | 26 | 37.1% |
| Guilford County | 65 | 36 | 16 | 24.6% |
| Union County | 58 | 43 | 11 | 19.0% |
| Brunswick County | 58 | 34 | 17 | 29.3% |
| Forsyth County | 52 | 28 | 13 | 25.0% |
| Cabarrus County | 47 | 29 | 12 | 25.5% |
| Iredell County | 46 | 23 | 14 | 30.4% |
| New Hanover County | 45 | 23 | 14 | 31.1% |
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: 1,624 applications in 2025, of which 931 were originated and 447 denied.
27.5% of all applications, or 31.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Citizens Bank originated in North Carolina in 2025 was 7.40%, against a statewide median of 6.50%.
About this data. Figures are Citizens Bank'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