Emm Loans in North Carolina vs the state
3.7%Denial rate-14.36 pts vs state
4.4%Decision denial rate-18.42 pts vs state
77.5%Origination rate+19.72 pts vs state
6.38%Median rate-0.13 pts vs state
0.26Rate spread (pts)+0.18 pts vs state
$104kMedian applicant income
314Loans originated
15Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 287 | 186 | 2.8% | 6.25% | #158 |
| 2024 | 262 | 166 | 3.1% | 6.25% | #193 |
| 2025 | 405 | 314 | 3.7% | 6.38% | #157 |
What Emm Loans lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Surry County | 70 | 60 | 1 | 1.4% |
| Wake County | 58 | 51 | 0 | 0.0% |
| New Hanover County | 25 | 20 | 0 | 0.0% |
| Guilford County | 22 | 17 | 0 | 0.0% |
| Brunswick County | 20 | 16 | 0 | 0.0% |
| Robeson County | 18 | 17 | 0 | 0.0% |
| Chatham County | 15 | 13 | 0 | 0.0% |
| Harnett County | 10 | 7 | 2 | 20.0% |
| Forsyth County | 10 | 9 | 1 | 10.0% |
| Orange County | 8 | 6 | 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: 405 applications in 2025, of which 314 were originated and 15 denied.
3.7% of all applications, or 4.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Emm Loans originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Emm Loans'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