First Community Mortgage in North Carolina vs the state
8.5%Denial rate-9.54 pts vs state
9.3%Decision denial rate-13.56 pts vs state
72.8%Origination rate+14.96 pts vs state
6.50%Median rate0.00 pts vs state
0.23Rate spread (pts)+0.14 pts vs state
$114kMedian applicant income
350Loans originated
41Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 80 | 8.2% | 7.00% | #275 |
| 2024 | 429 | 321 | 7.2% | 6.75% | #139 |
| 2025 | 481 | 350 | 8.5% | 6.50% | #139 |
What First Community 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 First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 53 | 42 | 6 | 11.3% |
| Mecklenburg County | 49 | 33 | 6 | 12.2% |
| Union County | 27 | 20 | 2 | 7.4% |
| Brunswick County | 22 | 18 | 1 | 4.5% |
| Jackson County | 18 | 14 | 1 | 5.6% |
| Macon County | 16 | 13 | 0 | 0.0% |
| Johnston County | 16 | 9 | 1 | 6.3% |
| Cabarrus County | 13 | 9 | 0 | 0.0% |
| Cumberland County | 12 | 9 | 2 | 16.7% |
| Hoke County | 11 | 10 | 1 | 9.1% |
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: 481 applications in 2025, of which 350 were originated and 41 denied.
8.5% of all applications, or 9.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans First Community Mortgage originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are First Community 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