City First Mortgage Services in North Carolina vs the state
10.0%Denial rate-8.06 pts vs state
21.4%Decision denial rate-1.39 pts vs state
36.7%Origination rate-21.14 pts vs state
6.63%Median rate+0.13 pts vs state
0.41Rate spread (pts)+0.32 pts vs state
$137kMedian applicant income
11Loans originated
3Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 76 | 3.5% | 6.99% | #306 |
| 2024 | 183 | 146 | 0.6% | 6.75% | #223 |
| 2025 | 30 | 11 | 10.0% | 6.63% | #470 |
What City First Mortgage Services lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most City First Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 6 | 2 | 0 | 0.0% |
| Mecklenburg County | 6 | 4 | 0 | 0.0% |
| Union County | 4 | 1 | 0 | 0.0% |
| Cumberland County | 2 | 1 | 0 | 0.0% |
| Rockingham County | 2 | 0 | 2 | 100.0% |
| Brunswick County | 2 | 1 | 0 | 0.0% |
| Currituck County | 1 | 0 | 0 | 0.0% |
| Franklin County | 1 | 0 | 0 | 0.0% |
| Cabarrus County | 1 | 0 | 0 | 0.0% |
| Iredell County | 1 | 1 | 0 | 0.0% |
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: 30 applications in 2025, of which 11 were originated and 3 denied.
10.0% of all applications, or 21.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans City First Mortgage Services originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are City First Mortgage Services'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