LoanUnited.com in North Carolina vs the state
6.7%Denial rate-11.34 pts vs state
16.8%Decision denial rate-6.07 pts vs state
33.0%Origination rate-24.83 pts vs state
5.99%Median rate-0.51 pts vs state
-0.36Rate spread (pts)-0.45 pts vs state
$94kMedian applicant income
157Loans originated
32Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 188 | 55 | 5.3% | 6.00% | #197 |
| 2024 | 359 | 163 | 0.3% | 6.00% | #156 |
| 2025 | 476 | 157 | 6.7% | 5.99% | #141 |
What LoanUnited.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 LoanUnited.com applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 51 | 19 | 2 | 3.9% |
| Mecklenburg County | 41 | 9 | 5 | 12.2% |
| Guilford County | 32 | 12 | 2 | 6.3% |
| Onslow County | 30 | 7 | 1 | 3.3% |
| Wake County | 24 | 4 | 2 | 8.3% |
| Harnett County | 20 | 9 | 0 | 0.0% |
| Johnston County | 18 | 6 | 2 | 11.1% |
| Hoke County | 17 | 13 | 1 | 5.9% |
| Cabarrus County | 12 | 1 | 2 | 16.7% |
| Rowan County | 12 | 4 | 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: 476 applications in 2025, of which 157 were originated and 32 denied.
6.7% of all applications, or 16.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans LoanUnited.com originated in North Carolina in 2025 was 5.99%, against a statewide median of 6.50%.
About this data. Figures are LoanUnited.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