Loansteady in North Carolina vs the state
1.2%Denial rate-16.89 pts vs state
1.3%Decision denial rate-21.49 pts vs state
78.0%Origination rate+20.23 pts vs state
6.49%Median rate-0.01 pts vs state
0.13Rate spread (pts)+0.04 pts vs state
$111kMedian applicant income
334Loans originated
5Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 144 | 111 | 1.4% | 6.13% | #252 |
| 2025 | 428 | 334 | 1.2% | 6.49% | #152 |
What Loansteady lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Loansteady applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Hanover County | 146 | 116 | 0 | 0.0% |
| Onslow County | 83 | 71 | 0 | 0.0% |
| Brunswick County | 55 | 44 | 0 | 0.0% |
| Pender County | 50 | 35 | 1 | 2.0% |
| Wake County | 17 | 10 | 2 | 11.8% |
| Columbus County | 8 | 5 | 1 | 12.5% |
| Harnett County | 5 | 5 | 0 | 0.0% |
| Cumberland County | 5 | 4 | 0 | 0.0% |
| Cabarrus County | 5 | 4 | 0 | 0.0% |
| Duplin County | 5 | 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: 428 applications in 2025, of which 334 were originated and 5 denied.
1.2% of all applications, or 1.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Loansteady originated in North Carolina in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Loansteady'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