Emporium TPO in North Carolina vs the state
4.8%Denial rate-13.30 pts vs state
4.8%Decision denial rate-18.06 pts vs state
79.4%Origination rate+21.56 pts vs state
7.25%Median rate+0.75 pts vs state
1.73Rate spread (pts)+1.65 pts vs state
$128kMedian applicant income
50Loans originated
3Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 88 | 64 | 8.0% | 7.38% | #315 |
| 2025 | 63 | 50 | 4.8% | 7.25% | #372 |
What Emporium TPO lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 12 | 9 | 1 | 8.3% |
| Wake County | 9 | 7 | 1 | 11.1% |
| Harnett County | 6 | 5 | 0 | 0.0% |
| Guilford County | 4 | 4 | 0 | 0.0% |
| Alamance County | 3 | 2 | 0 | 0.0% |
| Pender County | 3 | 3 | 0 | 0.0% |
| Iredell County | 3 | 3 | 0 | 0.0% |
| Rowan County | 3 | 2 | 0 | 0.0% |
| Forsyth County | 3 | 3 | 0 | 0.0% |
| Lincoln County | 2 | 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: 63 applications in 2025, of which 50 were originated and 3 denied.
4.8% of all applications, or 4.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Emporium TPO originated in North Carolina in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Emporium TPO'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