Consumer Real Estate Finance in North Carolina vs the state
43.4%Denial rate+25.34 pts vs state
48.9%Decision denial rate+26.12 pts vs state
45.3%Origination rate-12.53 pts vs state
6.99%Median rate+0.49 pts vs state
1.03Rate spread (pts)+0.95 pts vs state
$66kMedian applicant income
24Loans originated
23Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 44 | 13.5% | 6.75% | #283 |
| 2024 | 72 | 22 | 29.2% | 7.13% | #343 |
| 2025 | 53 | 24 | 43.4% | 6.99% | #391 |
What Consumer Real Estate Finance lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rowan County | 4 | 1 | 2 | 50.0% |
| Catawba County | 4 | 0 | 4 | 100.0% |
| Gaston County | 3 | 2 | 0 | 0.0% |
| Brunswick County | 3 | 2 | 1 | 33.3% |
| Pender County | 2 | 1 | 1 | 50.0% |
| Johnston County | 2 | 1 | 0 | 0.0% |
| Halifax County | 2 | 2 | 0 | 0.0% |
| Cumberland County | 2 | 2 | 0 | 0.0% |
| Wayne County | 2 | 0 | 1 | 50.0% |
| Rockingham County | 2 | 2 | 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: 53 applications in 2025, of which 24 were originated and 23 denied.
43.4% of all applications, or 48.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Consumer Real Estate Finance originated in North Carolina in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Consumer Real Estate Finance'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