Lima One Capital in North Carolina vs the state
14.8%Denial rate-3.28 pts vs state
17.4%Decision denial rate-5.47 pts vs state
70.4%Origination rate+12.62 pts vs state
9.68%Median rate+3.18 pts vs state
—Rate spread (pts)
—Median applicant income
262Loans originated
55Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 328 | 328 | 0.0% | 10.43% | #149 |
| 2024 | 403 | 294 | 11.9% | 10.45% | #146 |
| 2025 | 372 | 262 | 14.8% | 9.68% | #168 |
What Lima One Capital lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hoke County | 54 | 52 | 2 | 3.7% |
| Mecklenburg County | 47 | 27 | 7 | 14.9% |
| Cumberland County | 28 | 21 | 5 | 17.9% |
| Cabarrus County | 25 | 13 | 3 | 12.0% |
| Wilson County | 22 | 20 | 1 | 4.5% |
| Gaston County | 16 | 13 | 2 | 12.5% |
| Harnett County | 15 | 12 | 1 | 6.7% |
| Guilford County | 13 | 7 | 5 | 38.5% |
| Wayne County | 11 | 9 | 1 | 9.1% |
| Watauga County | 11 | 8 | 2 | 18.2% |
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: 372 applications in 2025, of which 262 were originated and 55 denied.
14.8% of all applications, or 17.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Lima One Capital originated in North Carolina in 2025 was 9.68%, against a statewide median of 6.50%.
About this data. Figures are Lima One Capital'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