Filo Mortgage in North Carolina vs the state
2.7%Denial rate-15.39 pts vs state
4.4%Decision denial rate-18.42 pts vs state
53.0%Origination rate-4.81 pts vs state
6.50%Median rate0.00 pts vs state
0.24Rate spread (pts)+0.15 pts vs state
$130kMedian applicant income
159Loans originated
8Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 65 | 0.7% | 6.38% | #243 |
| 2024 | 143 | 74 | 6.3% | 6.43% | #253 |
| 2025 | 300 | 159 | 2.7% | 6.50% | #196 |
What Filo Mortgage lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Filo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 62 | 35 | 3 | 4.8% |
| Wake County | 55 | 30 | 0 | 0.0% |
| Gaston County | 18 | 6 | 0 | 0.0% |
| Durham County | 18 | 13 | 0 | 0.0% |
| New Hanover County | 14 | 4 | 0 | 0.0% |
| Union County | 13 | 8 | 1 | 7.7% |
| Johnston County | 9 | 5 | 0 | 0.0% |
| Iredell County | 8 | 3 | 1 | 12.5% |
| Cabarrus County | 7 | 5 | 0 | 0.0% |
| Orange County | 6 | 1 | 1 | 16.7% |
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: 300 applications in 2025, of which 159 were originated and 8 denied.
2.7% 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 Filo Mortgage originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Filo Mortgage'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