First National Bank of America in North Carolina vs the state
13.3%Denial rate-4.78 pts vs state
16.6%Decision denial rate-6.27 pts vs state
66.4%Origination rate+8.57 pts vs state
8.88%Median rate+2.38 pts vs state
2.85Rate spread (pts)+2.76 pts vs state
$141kMedian applicant income
235Loans originated
47Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 206 | 135 | 16.0% | 9.88% | #189 |
| 2024 | 316 | 237 | 8.9% | 9.38% | #174 |
| 2025 | 354 | 235 | 13.3% | 8.88% | #172 |
What First National Bank of America 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 National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 39 | 24 | 7 | 17.9% |
| Durham County | 38 | 20 | 4 | 10.5% |
| Wake County | 38 | 30 | 1 | 2.6% |
| Johnston County | 34 | 28 | 2 | 5.9% |
| Alamance County | 18 | 15 | 2 | 11.1% |
| Union County | 15 | 13 | 1 | 6.7% |
| Gaston County | 12 | 5 | 3 | 25.0% |
| Harnett County | 11 | 7 | 2 | 18.2% |
| Granville County | 10 | 10 | 0 | 0.0% |
| Cabarrus County | 8 | 4 | 1 | 12.5% |
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: 354 applications in 2025, of which 235 were originated and 47 denied.
13.3% of all applications, or 16.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans First National Bank of America originated in North Carolina in 2025 was 8.88%, against a statewide median of 6.50%.
About this data. Figures are First National Bank of America'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