Granite Bank in North Carolina vs the state
8.3%Denial rate-9.73 pts vs state
8.3%Decision denial rate-14.49 pts vs state
91.7%Origination rate+33.86 pts vs state
6.38%Median rate-0.13 pts vs state
-0.03Rate spread (pts)-0.12 pts vs state
$157kMedian applicant income
11Loans originated
1Denied
What Granite Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Granite Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harnett County | 3 | 3 | 0 | 0.0% |
| Moore County | 2 | 2 | 0 | 0.0% |
| Wake County | 1 | 1 | 0 | 0.0% |
| Cumberland County | 1 | 1 | 0 | 0.0% |
| Catawba County | 1 | 1 | 0 | 0.0% |
| Union County | 1 | 1 | 0 | 0.0% |
| Johnston County | 1 | 1 | 0 | 0.0% |
| Onslow County | 1 | 1 | 0 | 0.0% |
| Robeson County | 1 | 0 | 1 | 100.0% |
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: 12 applications in 2025, of which 11 were originated and 1 denied.
8.3% of all applications, or 8.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Granite Bank originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Granite Bank'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