First Carolina Bank in North Carolina vs the state
4.0%Denial rate-14.06 pts vs state
4.2%Decision denial rate-18.65 pts vs state
84.0%Origination rate+26.19 pts vs state
—Median rate
—Rate spread (pts)
$282kMedian applicant income
84Loans originated
4Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 106 | 86 | 5.7% | — | #280 |
| 2024 | 108 | 91 | 7.4% | — | #295 |
| 2025 | 100 | 84 | 4.0% | — | #323 |
What First Carolina Bank lends in North Carolina
By loan purpose
By loan type
Where in North Carolina
Counties with the most First Carolina Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Hanover County | 17 | 17 | 0 | 0.0% |
| Wake County | 15 | 14 | 0 | 0.0% |
| Rockingham County | 10 | 9 | 0 | 0.0% |
| Nash County | 9 | 8 | 1 | 11.1% |
| Carteret County | 8 | 6 | 0 | 0.0% |
| Durham County | 8 | 6 | 1 | 12.5% |
| Johnston County | 4 | 2 | 0 | 0.0% |
| Warren County | 3 | 3 | 0 | 0.0% |
| Ashe County | 2 | 1 | 1 | 50.0% |
| Edgecombe County | 2 | 2 | 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: 100 applications in 2025, of which 84 were originated and 4 denied.
4.0% of all applications, or 4.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Carolina Bank'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