Homebridge Financial Services in North Carolina vs the state
15.6%Denial rate-2.42 pts vs state
18.1%Decision denial rate-4.76 pts vs state
69.3%Origination rate+11.51 pts vs state
10.10%Median rate+3.60 pts vs state
-0.57Rate spread (pts)-0.65 pts vs state
$119kMedian applicant income
461Loans originated
104Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 691 | 422 | 23.6% | 7.13% | #101 |
| 2024 | 453 | 270 | 21.9% | 11.22% | #135 |
| 2025 | 665 | 461 | 15.6% | 10.10% | #116 |
What Homebridge Financial Services lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Homebridge Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 84 | 60 | 11 | 13.1% |
| Wake County | 59 | 45 | 5 | 8.5% |
| Cumberland County | 36 | 19 | 11 | 30.6% |
| Guilford County | 27 | 23 | 2 | 7.4% |
| New Hanover County | 27 | 20 | 4 | 14.8% |
| Gaston County | 24 | 10 | 4 | 16.7% |
| Onslow County | 23 | 15 | 6 | 26.1% |
| Union County | 22 | 19 | 1 | 4.5% |
| Forsyth County | 19 | 13 | 4 | 21.1% |
| Cabarrus County | 16 | 11 | 3 | 18.8% |
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: 665 applications in 2025, of which 461 were originated and 104 denied.
15.6% of all applications, or 18.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Homebridge Financial Services originated in North Carolina in 2025 was 10.10%, against a statewide median of 6.50%.
About this data. Figures are Homebridge Financial Services'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