Intercoastal Mortgage in North Carolina vs the state
2.4%Denial rate-15.71 pts vs state
2.5%Decision denial rate-20.31 pts vs state
72.2%Origination rate+14.39 pts vs state
6.63%Median rate+0.13 pts vs state
0.15Rate spread (pts)+0.06 pts vs state
$122kMedian applicant income
400Loans originated
13Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,080 | 812 | 0.5% | 6.75% | #76 |
| 2024 | 715 | 558 | 1.7% | 6.75% | #101 |
| 2025 | 554 | 400 | 2.4% | 6.63% | #130 |
What Intercoastal Mortgage lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Intercoastal Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brunswick County | 47 | 31 | 2 | 4.3% |
| New Hanover County | 32 | 27 | 0 | 0.0% |
| Onslow County | 25 | 19 | 0 | 0.0% |
| Mecklenburg County | 22 | 17 | 0 | 0.0% |
| Pender County | 21 | 18 | 1 | 4.8% |
| Iredell County | 20 | 14 | 0 | 0.0% |
| Rockingham County | 19 | 16 | 0 | 0.0% |
| Wake County | 19 | 14 | 0 | 0.0% |
| Guilford County | 19 | 7 | 0 | 0.0% |
| Moore County | 16 | 13 | 1 | 6.3% |
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: 554 applications in 2025, of which 400 were originated and 13 denied.
2.4% of all applications, or 2.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Intercoastal Mortgage originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Intercoastal Mortgage'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