Liberty in North Carolina vs the state
8.9%Denial rate-9.14 pts vs state
10.6%Decision denial rate-12.21 pts vs state
73.9%Origination rate+16.08 pts vs state
6.69%Median rate+0.19 pts vs state
0.38Rate spread (pts)+0.29 pts vs state
$233kMedian applicant income
116Loans originated
14Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 15 | 12.0% | 7.13% | #468 |
| 2024 | 27 | 19 | 3.7% | 7.13% | #467 |
| 2025 | 157 | 116 | 8.9% | 6.69% | #265 |
What Liberty lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 33 | 23 | 1 | 3.0% |
| Iredell County | 9 | 4 | 2 | 22.2% |
| Brunswick County | 9 | 6 | 1 | 11.1% |
| Wake County | 8 | 5 | 1 | 12.5% |
| Watauga County | 8 | 7 | 1 | 12.5% |
| Buncombe County | 5 | 3 | 1 | 20.0% |
| Durham County | 5 | 3 | 2 | 40.0% |
| Person County | 4 | 4 | 0 | 0.0% |
| Dare County | 4 | 2 | 0 | 0.0% |
| Catawba County | 3 | 3 | 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: 157 applications in 2025, of which 116 were originated and 14 denied.
8.9% of all applications, or 10.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Liberty originated in North Carolina in 2025 was 6.69%, against a statewide median of 6.50%.
About this data. Figures are Liberty'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