Georgia'S Own in North Carolina vs the state
21.2%Denial rate+3.15 pts vs state
26.9%Decision denial rate+4.10 pts vs state
48.5%Origination rate-9.33 pts vs state
7.75%Median rate+1.25 pts vs state
0.74Rate spread (pts)+0.65 pts vs state
$162kMedian applicant income
16Loans originated
7Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 2 | 30.0% | 10.10% | #614 |
| 2024 | 12 | 5 | 50.0% | 7.63% | #591 |
| 2025 | 33 | 16 | 21.2% | 7.75% | #453 |
What Georgia'S Own lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 8 | 3 | 2 | 25.0% |
| Mecklenburg County | 7 | 5 | 1 | 14.3% |
| Cabarrus County | 4 | 1 | 1 | 25.0% |
| Iredell County | 3 | 3 | 0 | 0.0% |
| Onslow County | 1 | 1 | 0 | 0.0% |
| Transylvania County | 1 | 0 | 0 | 0.0% |
| Watauga County | 1 | 0 | 1 | 100.0% |
| Catawba County | 1 | 0 | 1 | 100.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Brunswick 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: 33 applications in 2025, of which 16 were originated and 7 denied.
21.2% of all applications, or 26.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Georgia'S Own originated in North Carolina in 2025 was 7.75%, against a statewide median of 6.50%.
About this data. Figures are Georgia'S Own'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