Home Loan Investment Bank in North Carolina vs the state
27.8%Denial rate+9.72 pts vs state
48.4%Decision denial rate+25.57 pts vs state
29.6%Origination rate-28.18 pts vs state
8.25%Median rate+1.75 pts vs state
4.41Rate spread (pts)+4.32 pts vs state
$108kMedian applicant income
16Loans originated
15Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 20 | 27.1% | 9.10% | #374 |
| 2024 | 99 | 25 | 38.4% | 8.95% | #300 |
| 2025 | 54 | 16 | 27.8% | 8.25% | #388 |
What Home Loan Investment 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 Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Robeson County | 5 | 1 | 3 | 60.0% |
| Randolph County | 4 | 1 | 1 | 25.0% |
| Moore County | 4 | 1 | 1 | 25.0% |
| Columbus County | 3 | 2 | 0 | 0.0% |
| Rowan County | 3 | 0 | 0 | 0.0% |
| Harnett County | 2 | 2 | 0 | 0.0% |
| Gaston County | 2 | 0 | 1 | 50.0% |
| Wilkes County | 2 | 1 | 0 | 0.0% |
| Durham County | 2 | 1 | 1 | 50.0% |
| Duplin County | 2 | 0 | 1 | 50.0% |
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: 54 applications in 2025, of which 16 were originated and 15 denied.
27.8% of all applications, or 48.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Home Loan Investment Bank originated in North Carolina in 2025 was 8.25%, against a statewide median of 6.50%.
About this data. Figures are Home Loan Investment 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