Longbridge Financial in North Carolina vs the state
11.0%Denial rate-7.04 pts vs state
13.8%Decision denial rate-8.99 pts vs state
62.3%Origination rate+4.48 pts vs state
6.13%Median rate-0.38 pts vs state
—Rate spread (pts)
$34kMedian applicant income
147Loans originated
26Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 111 | 60 | 18.0% | 7.52% | #274 |
| 2024 | 143 | 90 | 10.5% | 7.00% | #254 |
| 2025 | 236 | 147 | 11.0% | 6.13% | #217 |
What Longbridge Financial lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Longbridge Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 27 | 17 | 4 | 14.8% |
| Mecklenburg County | 22 | 13 | 1 | 4.5% |
| Brunswick County | 12 | 7 | 2 | 16.7% |
| Durham County | 12 | 7 | 1 | 8.3% |
| Union County | 10 | 4 | 1 | 10.0% |
| Guilford County | 10 | 8 | 1 | 10.0% |
| New Hanover County | 8 | 4 | 3 | 37.5% |
| Moore County | 8 | 6 | 0 | 0.0% |
| Iredell County | 6 | 2 | 0 | 0.0% |
| Buncombe County | 6 | 5 | 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: 236 applications in 2025, of which 147 were originated and 26 denied.
11.0% of all applications, or 13.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Longbridge Financial originated in North Carolina in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Longbridge Financial'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