Kiavi Funding in North Carolina vs the state
6.7%Denial rate-11.41 pts vs state
9.8%Decision denial rate-13.01 pts vs state
59.3%Origination rate+1.44 pts vs state
9.95%Median rate+3.45 pts vs state
—Rate spread (pts)
—Median applicant income
1,435Loans originated
161Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,309 | 935 | 9.2% | 10.25% | #65 |
| 2024 | 1,564 | 1,182 | 8.8% | 10.45% | #58 |
| 2025 | 2,422 | 1,435 | 6.7% | 9.95% | #41 |
What Kiavi Funding lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 333 | 201 | 19 | 5.7% |
| Cumberland County | 272 | 120 | 15 | 5.5% |
| Guilford County | 170 | 95 | 4 | 2.4% |
| Wake County | 113 | 62 | 9 | 8.0% |
| Forsyth County | 101 | 81 | 4 | 4.0% |
| Gaston County | 93 | 72 | 5 | 5.4% |
| Durham County | 90 | 49 | 5 | 5.6% |
| New Hanover County | 82 | 40 | 21 | 25.6% |
| Pitt County | 78 | 29 | 3 | 3.8% |
| Cabarrus County | 71 | 47 | 3 | 4.2% |
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: 2,422 applications in 2025, of which 1,435 were originated and 161 denied.
6.7% of all applications, or 9.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Kiavi Funding originated in North Carolina in 2025 was 9.95%, against a statewide median of 6.50%.
About this data. Figures are Kiavi Funding'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