Nations Lending in North Carolina vs the state
11.1%Denial rate-7.01 pts vs state
11.5%Decision denial rate-11.30 pts vs state
73.3%Origination rate+15.45 pts vs state
6.38%Median rate-0.13 pts vs state
0.38Rate spread (pts)+0.30 pts vs state
$72kMedian applicant income
126Loans originated
19Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 245 | 164 | 8.6% | 6.75% | #177 |
| 2024 | 163 | 120 | 9.8% | 6.38% | #237 |
| 2025 | 172 | 126 | 11.1% | 6.38% | #249 |
What Nations Lending lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Nations Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onslow County | 9 | 7 | 0 | 0.0% |
| Catawba County | 9 | 7 | 1 | 11.1% |
| Brunswick County | 9 | 5 | 0 | 0.0% |
| Davidson County | 8 | 8 | 0 | 0.0% |
| Buncombe County | 7 | 5 | 0 | 0.0% |
| Wake County | 7 | 4 | 1 | 14.3% |
| Johnston County | 6 | 5 | 0 | 0.0% |
| Mecklenburg County | 6 | 5 | 1 | 16.7% |
| Guilford County | 5 | 5 | 0 | 0.0% |
| Harnett County | 5 | 4 | 1 | 20.0% |
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: 172 applications in 2025, of which 126 were originated and 19 denied.
11.1% of all applications, or 11.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Nations Lending originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Nations Lending'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