Ladera Lending in North Carolina vs the state
2.6%Denial rate-15.43 pts vs state
6.5%Decision denial rate-16.30 pts vs state
37.7%Origination rate-20.09 pts vs state
7.00%Median rate+0.50 pts vs state
0.57Rate spread (pts)+0.48 pts vs state
$100kMedian applicant income
43Loans originated
3Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 153 | 53 | 4.6% | 6.63% | #230 |
| 2024 | 109 | 38 | 3.7% | 6.63% | #293 |
| 2025 | 114 | 43 | 2.6% | 7.00% | #300 |
What Ladera 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 Ladera Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 19 | 8 | 1 | 5.3% |
| Wake County | 15 | 8 | 0 | 0.0% |
| Cumberland County | 7 | 1 | 0 | 0.0% |
| Cabarrus County | 6 | 4 | 0 | 0.0% |
| Forsyth County | 5 | 0 | 0 | 0.0% |
| Gaston County | 4 | 1 | 0 | 0.0% |
| Iredell County | 4 | 1 | 0 | 0.0% |
| Onslow County | 3 | 0 | 0 | 0.0% |
| New Hanover County | 3 | 1 | 0 | 0.0% |
| Brunswick County | 3 | 2 | 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: 114 applications in 2025, of which 43 were originated and 3 denied.
2.6% of all applications, or 6.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Ladera Lending originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Ladera 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