Ixonia Bank in North Carolina vs the state
1.7%Denial rate-16.33 pts vs state
2.3%Decision denial rate-20.53 pts vs state
73.6%Origination rate+15.75 pts vs state
6.75%Median rate+0.25 pts vs state
0.50Rate spread (pts)+0.41 pts vs state
$107kMedian applicant income
765Loans originated
18Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 45 | 22 | 2.2% | 6.88% | #387 |
| 2024 | 325 | 235 | 2.2% | 6.63% | #169 |
| 2025 | 1,040 | 765 | 1.7% | 6.75% | #82 |
What Ixonia Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Ixonia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 179 | 124 | 5 | 2.8% |
| Rowan County | 156 | 126 | 3 | 1.9% |
| Cabarrus County | 132 | 99 | 2 | 1.5% |
| Davidson County | 68 | 52 | 0 | 0.0% |
| Gaston County | 44 | 33 | 0 | 0.0% |
| Iredell County | 43 | 29 | 0 | 0.0% |
| Union County | 42 | 28 | 1 | 2.4% |
| Wake County | 41 | 35 | 0 | 0.0% |
| Stanly County | 30 | 23 | 0 | 0.0% |
| Forsyth County | 30 | 25 | 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: 1,040 applications in 2025, of which 765 were originated and 18 denied.
1.7% of all applications, or 2.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Ixonia Bank originated in North Carolina in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Ixonia Bank'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