First Credit Corporation of New York in North Carolina vs the state
83.3%Denial rate+65.27 pts vs state
87.0%Decision denial rate+64.14 pts vs state
4.2%Origination rate-53.64 pts vs state
7.74%Median rate+1.24 pts vs state
1.57Rate spread (pts)+1.48 pts vs state
$45kMedian applicant income
1Loans originated
20Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 4 | 68.2% | 6.62% | #493 |
| 2024 | 25 | 0 | 92.0% | — | #473 |
| 2025 | 24 | 1 | 83.3% | 7.74% | #493 |
What First Credit Corporation of New York 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 Credit Corporation of New York applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 16 | 0 | 14 | 87.5% |
| Pender County | 2 | 1 | 1 | 50.0% |
| Mecklenburg County | 2 | 0 | 2 | 100.0% |
| Cherokee County | 1 | 0 | 1 | 100.0% |
| Yadkin County | 1 | 0 | 1 | 100.0% |
| Alamance County | 1 | 0 | 1 | 100.0% |
| Macon County | 1 | 0 | 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: 24 applications in 2025, of which 1 were originated and 20 denied.
83.3% of all applications, or 87.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans First Credit Corporation of New York originated in North Carolina in 2025 was 7.74%, against a statewide median of 6.50%.
About this data. Figures are First Credit Corporation of New York'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