Conventus in North Carolina vs the state
4.8%Denial rate-13.22 pts vs state
5.8%Decision denial rate-17.05 pts vs state
79.0%Origination rate+21.22 pts vs state
8.99%Median rate+2.49 pts vs state
—Rate spread (pts)
—Median applicant income
49Loans originated
3Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 21 | 3.9% | 10.99% | #460 |
| 2024 | 37 | 25 | 5.4% | 9.99% | #427 |
| 2025 | 62 | 49 | 4.8% | 8.99% | #375 |
What Conventus lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Conventus applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 12 | 8 | 1 | 8.3% |
| Gaston County | 10 | 9 | 0 | 0.0% |
| Brunswick County | 4 | 3 | 0 | 0.0% |
| Durham County | 4 | 3 | 0 | 0.0% |
| Wake County | 4 | 2 | 1 | 25.0% |
| Wilkes County | 3 | 3 | 0 | 0.0% |
| Guilford County | 3 | 3 | 0 | 0.0% |
| Catawba County | 3 | 2 | 1 | 33.3% |
| Franklin County | 3 | 3 | 0 | 0.0% |
| Stanly 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: 62 applications in 2025, of which 49 were originated and 3 denied.
4.8% of all applications, or 5.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Conventus originated in North Carolina in 2025 was 8.99%, against a statewide median of 6.50%.
About this data. Figures are Conventus'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