Mission Loans in North Carolina vs the state
0.8%Denial rate-17.30 pts vs state
3.8%Decision denial rate-19.05 pts vs state
16.2%Origination rate-41.65 pts vs state
7.44%Median rate+0.94 pts vs state
1.06Rate spread (pts)+0.97 pts vs state
$80kMedian applicant income
85Loans originated
4Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 109 | 20 | 8.3% | 6.81% | #278 |
| 2024 | 192 | 52 | 2.6% | 10.06% | #216 |
| 2025 | 526 | 85 | 0.8% | 7.44% | #133 |
What Mission Loans lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Mission Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 55 | 13 | 1 | 1.8% |
| Mecklenburg County | 54 | 6 | 0 | 0.0% |
| Guilford County | 29 | 5 | 0 | 0.0% |
| Union County | 20 | 6 | 0 | 0.0% |
| Buncombe County | 18 | 3 | 0 | 0.0% |
| Iredell County | 18 | 2 | 0 | 0.0% |
| New Hanover County | 17 | 4 | 2 | 11.8% |
| Alamance County | 16 | 4 | 0 | 0.0% |
| Durham County | 15 | 1 | 0 | 0.0% |
| Johnston County | 15 | 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: 526 applications in 2025, of which 85 were originated and 4 denied.
0.8% of all applications, or 3.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Mission Loans originated in North Carolina in 2025 was 7.44%, against a statewide median of 6.50%.
About this data. Figures are Mission Loans'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