Lendingone in North Carolina vs the state
17.1%Denial rate-0.98 pts vs state
61.9%Decision denial rate+39.08 pts vs state
10.5%Origination rate-47.30 pts vs state
7.30%Median rate+0.80 pts vs state
—Rate spread (pts)
—Median applicant income
128Loans originated
208Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 629 | 158 | 59.1% | 7.58% | #106 |
| 2024 | 462 | 169 | 50.7% | 7.51% | #132 |
| 2025 | 1,218 | 128 | 17.1% | 7.30% | #75 |
What Lendingone lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 195 | 19 | 34 | 17.4% |
| Wake County | 106 | 9 | 20 | 18.9% |
| Durham County | 93 | 22 | 17 | 18.3% |
| Cumberland County | 91 | 10 | 15 | 16.5% |
| Gaston County | 67 | 15 | 13 | 19.4% |
| Forsyth County | 60 | 1 | 12 | 20.0% |
| Guilford County | 49 | 5 | 7 | 14.3% |
| Catawba County | 32 | 4 | 5 | 15.6% |
| Cabarrus County | 31 | 2 | 3 | 9.7% |
| Onslow County | 28 | 0 | 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: 1,218 applications in 2025, of which 128 were originated and 208 denied.
17.1% of all applications, or 61.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Lendingone originated in North Carolina in 2025 was 7.30%, against a statewide median of 6.50%.
About this data. Figures are Lendingone'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