Click n' Close in North Carolina vs the state
4.6%Denial rate-13.45 pts vs state
6.5%Decision denial rate-16.34 pts vs state
65.6%Origination rate+7.82 pts vs state
6.88%Median rate+0.38 pts vs state
2.12Rate spread (pts)+2.03 pts vs state
$78kMedian applicant income
399Loans originated
28Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 383 | 263 | 3.7% | 7.13% | #138 |
| 2024 | 652 | 409 | 2.6% | 7.13% | #108 |
| 2025 | 608 | 399 | 4.6% | 6.88% | #122 |
What Click n' Close lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 70 | 45 | 8 | 11.4% |
| Rockingham County | 60 | 49 | 1 | 1.7% |
| Gaston County | 41 | 20 | 2 | 4.9% |
| Guilford County | 24 | 12 | 1 | 4.2% |
| Cleveland County | 22 | 14 | 2 | 9.1% |
| Union County | 21 | 12 | 0 | 0.0% |
| Cabarrus County | 20 | 15 | 0 | 0.0% |
| Johnston County | 20 | 17 | 2 | 10.0% |
| Rowan County | 19 | 15 | 0 | 0.0% |
| Cumberland County | 18 | 11 | 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: 608 applications in 2025, of which 399 were originated and 28 denied.
4.6% of all applications, or 6.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Click n' Close originated in North Carolina in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Click n' Close'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