Loandepot.Com in North Carolina vs the state
23.2%Denial rate+5.09 pts vs state
28.1%Decision denial rate+5.30 pts vs state
57.8%Origination rate-0.01 pts vs state
6.13%Median rate-0.38 pts vs state
0.10Rate spread (pts)+0.02 pts vs state
$83kMedian applicant income
3,969Loans originated
1,590Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,585 | 3,453 | 19.9% | 6.13% | #18 |
| 2024 | 6,847 | 4,024 | 20.1% | 6.50% | #14 |
| 2025 | 6,867 | 3,969 | 23.2% | 6.13% | #18 |
What Loandepot.Com lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Loandepot.Com applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 758 | 453 | 167 | 22.0% |
| Wake County | 675 | 447 | 101 | 15.0% |
| Gaston County | 412 | 215 | 125 | 30.3% |
| Cabarrus County | 255 | 179 | 43 | 16.9% |
| Iredell County | 248 | 151 | 45 | 18.1% |
| Guilford County | 222 | 102 | 55 | 24.8% |
| Cumberland County | 215 | 116 | 52 | 24.2% |
| Harnett County | 207 | 142 | 43 | 20.8% |
| Johnston County | 200 | 120 | 41 | 20.5% |
| Union County | 198 | 133 | 30 | 15.2% |
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: 6,867 applications in 2025, of which 3,969 were originated and 1,590 denied.
23.2% of all applications, or 28.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Loandepot.Com originated in North Carolina in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Loandepot.Com'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