First Flight in North Carolina vs the state
18.3%Denial rate+0.26 pts vs state
23.5%Decision denial rate+0.71 pts vs state
55.7%Origination rate-2.08 pts vs state
—Median rate
—Rate spread (pts)
$84kMedian applicant income
73Loans originated
24Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 131 | 79 | 21.4% | — | #249 |
| 2024 | 134 | 75 | 19.4% | — | #266 |
| 2025 | 131 | 73 | 18.3% | — | #287 |
What First Flight 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 Flight applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Craven County | 46 | 30 | 9 | 19.6% |
| Carteret County | 30 | 18 | 4 | 13.3% |
| Pitt County | 12 | 7 | 2 | 16.7% |
| Jones County | 7 | 3 | 1 | 14.3% |
| Wake County | 6 | 2 | 1 | 16.7% |
| Pamlico County | 3 | 2 | 1 | 33.3% |
| Onslow County | 2 | 0 | 1 | 50.0% |
| Wayne County | 2 | 1 | 1 | 50.0% |
| Nash County | 2 | 2 | 0 | 0.0% |
| Lenoir County | 2 | 1 | 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: 131 applications in 2025, of which 73 were originated and 24 denied.
18.3% of all applications, or 23.5% 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 Flight'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