GoodLeap in North Carolina vs the state
20.3%Denial rate+2.24 pts vs state
24.6%Decision denial rate+1.81 pts vs state
47.3%Origination rate-10.54 pts vs state
6.38%Median rate-0.13 pts vs state
0.19Rate spread (pts)+0.10 pts vs state
$67kMedian applicant income
468Loans originated
201Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 425 | 179 | 24.5% | 5.99% | #126 |
| 2024 | 665 | 310 | 19.1% | 5.75% | #105 |
| 2025 | 990 | 468 | 20.3% | 6.38% | #88 |
What GoodLeap lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most GoodLeap applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 97 | 44 | 16 | 16.5% |
| Guilford County | 81 | 40 | 15 | 18.5% |
| Wake County | 81 | 39 | 13 | 16.0% |
| Mecklenburg County | 70 | 30 | 21 | 30.0% |
| Forsyth County | 58 | 32 | 9 | 15.5% |
| Johnston County | 39 | 18 | 9 | 23.1% |
| Gaston County | 37 | 15 | 15 | 40.5% |
| Cabarrus County | 32 | 18 | 3 | 9.4% |
| Durham County | 31 | 15 | 6 | 19.4% |
| Catawba County | 24 | 13 | 2 | 8.3% |
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: 990 applications in 2025, of which 468 were originated and 201 denied.
20.3% of all applications, or 24.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans GoodLeap originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are GoodLeap'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