Kind Lending in North Carolina vs the state
26.8%Denial rate+8.72 pts vs state
30.6%Decision denial rate+7.75 pts vs state
59.8%Origination rate+2.02 pts vs state
6.75%Median rate+0.25 pts vs state
0.33Rate spread (pts)+0.24 pts vs state
$130kMedian applicant income
420Loans originated
188Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 128 | 70 | 27.3% | 6.88% | #255 |
| 2024 | 427 | 274 | 19.0% | 6.88% | #140 |
| 2025 | 702 | 420 | 26.8% | 6.75% | #112 |
What Kind Lending lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 144 | 81 | 40 | 27.8% |
| Wake County | 84 | 47 | 23 | 27.4% |
| Union County | 40 | 26 | 12 | 30.0% |
| Guilford County | 32 | 25 | 4 | 12.5% |
| Gaston County | 27 | 12 | 13 | 48.1% |
| Iredell County | 26 | 12 | 9 | 34.6% |
| Cabarrus County | 25 | 17 | 4 | 16.0% |
| Forsyth County | 21 | 19 | 1 | 4.8% |
| Harnett County | 20 | 13 | 6 | 30.0% |
| Onslow County | 20 | 9 | 7 | 35.0% |
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: 702 applications in 2025, of which 420 were originated and 188 denied.
26.8% of all applications, or 30.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Kind Lending originated in North Carolina in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Kind Lending'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