Everett Financial in North Carolina vs the state
3.4%Denial rate-14.64 pts vs state
5.4%Decision denial rate-17.44 pts vs state
57.0%Origination rate-0.83 pts vs state
6.63%Median rate+0.13 pts vs state
0.48Rate spread (pts)+0.39 pts vs state
$94kMedian applicant income
200Loans originated
12Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 525 | 228 | 11.6% | 6.99% | #116 |
| 2024 | 225 | 158 | 8.0% | 6.88% | #204 |
| 2025 | 351 | 200 | 3.4% | 6.63% | #174 |
What Everett 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 Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 44 | 26 | 0 | 0.0% |
| New Hanover County | 33 | 20 | 0 | 0.0% |
| Wayne County | 28 | 20 | 1 | 3.6% |
| Brunswick County | 18 | 16 | 0 | 0.0% |
| Davidson County | 13 | 4 | 0 | 0.0% |
| Gaston County | 12 | 6 | 0 | 0.0% |
| Wake County | 11 | 3 | 1 | 9.1% |
| Cumberland County | 10 | 0 | 0 | 0.0% |
| Rowan County | 9 | 5 | 2 | 22.2% |
| Cabarrus County | 9 | 7 | 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: 351 applications in 2025, of which 200 were originated and 12 denied.
3.4% of all applications, or 5.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Everett Financial originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Everett 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