CSL Financial in North Carolina vs the state
61.7%Denial rate+43.68 pts vs state
78.9%Decision denial rate+56.07 pts vs state
16.5%Origination rate-41.29 pts vs state
8.34%Median rate+1.84 pts vs state
2.81Rate spread (pts)+2.72 pts vs state
$60kMedian applicant income
19Loans originated
71Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 154 | 32 | 58.4% | 9.34% | #229 |
| 2024 | 183 | 34 | 53.0% | 8.89% | #224 |
| 2025 | 115 | 19 | 61.7% | 8.34% | #296 |
What CSL Financial lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most CSL Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onslow County | 6 | 6 | 0 | 0.0% |
| Craven County | 4 | 4 | 0 | 0.0% |
| Beaufort County | 2 | 2 | 0 | 0.0% |
| Pitt County | 1 | 1 | 0 | 0.0% |
| Chatham County | 1 | 1 | 0 | 0.0% |
| Pender County | 1 | 1 | 0 | 0.0% |
| Columbus County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Pamlico County | 1 | 1 | 0 | 0.0% |
| Brunswick 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: 115 applications in 2025, of which 19 were originated and 71 denied.
61.7% of all applications, or 78.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans CSL Financial originated in North Carolina in 2025 was 8.34%, against a statewide median of 6.50%.
About this data. Figures are CSL Financial'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