Clearedge Lending in North Carolina vs the state
30.2%Denial rate+12.13 pts vs state
33.3%Decision denial rate+10.51 pts vs state
60.4%Origination rate+2.57 pts vs state
7.38%Median rate+0.88 pts vs state
0.98Rate spread (pts)+0.90 pts vs state
$244kMedian applicant income
32Loans originated
16Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 32 | 25.0% | 8.56% | #362 |
| 2024 | 66 | 43 | 25.8% | 7.63% | #350 |
| 2025 | 53 | 32 | 30.2% | 7.38% | #393 |
What Clearedge Lending lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Clearedge Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 8 | 6 | 1 | 12.5% |
| Durham County | 8 | 6 | 2 | 25.0% |
| Iredell County | 5 | 1 | 3 | 60.0% |
| Brunswick County | 3 | 1 | 2 | 66.7% |
| Buncombe County | 3 | 3 | 0 | 0.0% |
| Gaston County | 3 | 2 | 0 | 0.0% |
| Cabarrus County | 2 | 2 | 0 | 0.0% |
| Pitt County | 2 | 2 | 0 | 0.0% |
| Cleveland County | 2 | 0 | 2 | 100.0% |
| Transylvania County | 2 | 1 | 1 | 50.0% |
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: 53 applications in 2025, of which 32 were originated and 16 denied.
30.2% of all applications, or 33.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Clearedge Lending originated in North Carolina in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Clearedge Lending'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