Member First Mortgage in North Carolina vs the state
21.4%Denial rate+3.37 pts vs state
39.1%Decision denial rate+16.31 pts vs state
31.0%Origination rate-26.86 pts vs state
6.75%Median rate+0.25 pts vs state
0.30Rate spread (pts)+0.21 pts vs state
$116kMedian applicant income
13Loans originated
9Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 5 | 14.3% | 6.63% | #562 |
| 2024 | 19 | 2 | 31.6% | 6.81% | #515 |
| 2025 | 42 | 13 | 21.4% | 6.75% | #422 |
What Member First Mortgage lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gaston County | 10 | 3 | 3 | 30.0% |
| Cleveland County | 8 | 2 | 4 | 50.0% |
| Wake County | 4 | 1 | 0 | 0.0% |
| Mecklenburg County | 3 | 1 | 0 | 0.0% |
| Lincoln County | 2 | 1 | 0 | 0.0% |
| Catawba County | 2 | 0 | 0 | 0.0% |
| Guilford County | 2 | 0 | 1 | 50.0% |
| Henderson County | 1 | 0 | 1 | 100.0% |
| Brunswick County | 1 | 1 | 0 | 0.0% |
| Randolph County | 1 | 1 | 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: 42 applications in 2025, of which 13 were originated and 9 denied.
21.4% of all applications, or 39.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Member First Mortgage originated in North Carolina in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Member First Mortgage'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