Howard Hanna Financial Services in North Carolina vs the state
0.9%Denial rate-17.15 pts vs state
1.1%Decision denial rate-21.72 pts vs state
81.1%Origination rate+23.24 pts vs state
6.63%Median rate+0.13 pts vs state
0.19Rate spread (pts)+0.10 pts vs state
$122kMedian applicant income
894Loans originated
10Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 723 | 582 | 1.1% | 6.75% | #97 |
| 2024 | 974 | 776 | 0.7% | 6.75% | #79 |
| 2025 | 1,103 | 894 | 0.9% | 6.63% | #79 |
What Howard Hanna 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 Howard Hanna Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 135 | 108 | 1 | 0.7% |
| Buncombe County | 114 | 94 | 0 | 0.0% |
| Henderson County | 97 | 74 | 2 | 2.1% |
| Guilford County | 77 | 63 | 0 | 0.0% |
| Haywood County | 74 | 62 | 0 | 0.0% |
| Wake County | 60 | 47 | 1 | 1.7% |
| Iredell County | 53 | 46 | 0 | 0.0% |
| Forsyth County | 47 | 37 | 1 | 2.1% |
| Gaston County | 39 | 30 | 2 | 5.1% |
| Cabarrus County | 35 | 30 | 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: 1,103 applications in 2025, of which 894 were originated and 10 denied.
0.9% of all applications, or 1.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Howard Hanna Financial Services originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Howard Hanna 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