Manufacturers and Traders Trust in North Carolina vs the state
17.5%Denial rate-0.55 pts vs state
23.0%Decision denial rate+0.14 pts vs state
58.2%Origination rate+0.38 pts vs state
6.00%Median rate-0.50 pts vs state
0.05Rate spread (pts)-0.03 pts vs state
$102kMedian applicant income
103Loans originated
31Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 173 | 84 | 21.4% | 6.56% | #211 |
| 2024 | 153 | 98 | 11.8% | 6.38% | #246 |
| 2025 | 177 | 103 | 17.5% | 6.00% | #243 |
What Manufacturers and Traders Trust lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 17 | 12 | 0 | 0.0% |
| Mecklenburg County | 13 | 9 | 3 | 23.1% |
| Cumberland County | 10 | 7 | 2 | 20.0% |
| Brunswick County | 9 | 6 | 2 | 22.2% |
| Cabarrus County | 8 | 5 | 2 | 25.0% |
| New Hanover County | 7 | 6 | 0 | 0.0% |
| Johnston County | 7 | 2 | 2 | 28.6% |
| Harnett County | 5 | 5 | 0 | 0.0% |
| Buncombe County | 5 | 4 | 1 | 20.0% |
| Gaston County | 4 | 2 | 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: 177 applications in 2025, of which 103 were originated and 31 denied.
17.5% of all applications, or 23.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Manufacturers and Traders Trust originated in North Carolina in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Manufacturers and Traders Trust'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