Inova in North Carolina vs the state
15.4%Denial rate-2.68 pts vs state
20.0%Decision denial rate-2.82 pts vs state
61.5%Origination rate+3.73 pts vs state
2.99%Median rate-3.51 pts vs state
0.05Rate spread (pts)-0.04 pts vs state
$140kMedian applicant income
8Loans originated
2Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 15 | 26.1% | 2.99% | #485 |
| 2024 | 22 | 10 | 18.2% | 2.99% | #495 |
| 2025 | 13 | 8 | 15.4% | 2.99% | #588 |
What Inova lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Inova applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnston County | 3 | 2 | 1 | 33.3% |
| Wake County | 2 | 0 | 0 | 0.0% |
| Rowan County | 2 | 1 | 1 | 50.0% |
| Davidson County | 1 | 1 | 0 | 0.0% |
| Granville County | 1 | 1 | 0 | 0.0% |
| Mecklenburg County | 1 | 1 | 0 | 0.0% |
| Burke County | 1 | 1 | 0 | 0.0% |
| Buncombe County | 1 | 1 | 0 | 0.0% |
| Nash County | 1 | 0 | 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: 13 applications in 2025, of which 8 were originated and 2 denied.
15.4% of all applications, or 20.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Inova originated in North Carolina in 2025 was 2.99%, against a statewide median of 6.50%.
About this data. Figures are Inova'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