Ice Lender Holdings in North Carolina vs the state
14.1%Denial rate-3.98 pts vs state
29.4%Decision denial rate+6.59 pts vs state
33.8%Origination rate-24.01 pts vs state
7.38%Median rate+0.88 pts vs state
—Rate spread (pts)
—Median applicant income
48Loans originated
20Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 17 | 58.7% | 8.75% | #298 |
| 2024 | 74 | 29 | 27.0% | 8.00% | #338 |
| 2025 | 142 | 48 | 14.1% | 7.38% | #276 |
What Ice Lender Holdings lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Ice Lender Holdings applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 26 | 5 | 3 | 11.5% |
| Guilford County | 13 | 3 | 4 | 30.8% |
| Catawba County | 12 | 6 | 0 | 0.0% |
| Wake County | 11 | 7 | 2 | 18.2% |
| Forsyth County | 8 | 2 | 1 | 12.5% |
| Gaston County | 7 | 4 | 0 | 0.0% |
| Durham County | 5 | 3 | 0 | 0.0% |
| New Hanover County | 4 | 0 | 0 | 0.0% |
| Cleveland County | 3 | 1 | 0 | 0.0% |
| Alamance County | 3 | 1 | 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: 142 applications in 2025, of which 48 were originated and 20 denied.
14.1% of all applications, or 29.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Ice Lender Holdings originated in North Carolina in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Ice Lender Holdings'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