Equity Resources in North Carolina vs the state
7.2%Denial rate-10.91 pts vs state
9.5%Decision denial rate-13.34 pts vs state
68.3%Origination rate+10.46 pts vs state
6.63%Median rate+0.13 pts vs state
0.27Rate spread (pts)+0.18 pts vs state
$103kMedian applicant income
439Loans originated
46Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 640 | 437 | 5.5% | 6.88% | #105 |
| 2024 | 636 | 450 | 8.3% | 6.75% | #112 |
| 2025 | 643 | 439 | 7.2% | 6.63% | #119 |
What Equity Resources lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Equity Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 145 | 101 | 7 | 4.8% |
| Guilford County | 129 | 86 | 10 | 7.8% |
| Forsyth County | 38 | 28 | 4 | 10.5% |
| Harnett County | 37 | 20 | 2 | 5.4% |
| Johnston County | 32 | 23 | 0 | 0.0% |
| Rockingham County | 24 | 19 | 4 | 16.7% |
| Durham County | 17 | 12 | 2 | 11.8% |
| Davidson County | 16 | 10 | 3 | 18.8% |
| Alamance County | 15 | 9 | 1 | 6.7% |
| Robeson County | 13 | 12 | 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: 643 applications in 2025, of which 439 were originated and 46 denied.
7.2% of all applications, or 9.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Equity Resources originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Equity Resources'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