Kbhs Home Loans in North Carolina vs the state
6.6%Denial rate-11.51 pts vs state
9.0%Decision denial rate-13.86 pts vs state
65.9%Origination rate+8.10 pts vs state
5.88%Median rate-0.63 pts vs state
-0.33Rate spread (pts)-0.42 pts vs state
$108kMedian applicant income
493Loans originated
49Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 607 | 349 | 3.6% | 6.00% | #109 |
| 2024 | 649 | 489 | 4.5% | 5.88% | #109 |
| 2025 | 748 | 493 | 6.6% | 5.88% | #106 |
What Kbhs Home Loans lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Kbhs Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 170 | 114 | 14 | 8.2% |
| Harnett County | 136 | 84 | 9 | 6.6% |
| Durham County | 104 | 63 | 6 | 5.8% |
| Alamance County | 90 | 66 | 4 | 4.4% |
| Union County | 82 | 67 | 6 | 7.3% |
| Lincoln County | 53 | 31 | 3 | 5.7% |
| Cabarrus County | 42 | 26 | 5 | 11.9% |
| Johnston County | 32 | 15 | 0 | 0.0% |
| Orange County | 27 | 17 | 1 | 3.7% |
| Franklin County | 11 | 9 | 1 | 9.1% |
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: 748 applications in 2025, of which 493 were originated and 49 denied.
6.6% of all applications, or 9.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Kbhs Home Loans originated in North Carolina in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are Kbhs Home Loans'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