NBKC Bank in North Carolina vs the state
10.2%Denial rate-7.85 pts vs state
14.2%Decision denial rate-8.64 pts vs state
61.3%Origination rate+3.44 pts vs state
6.13%Median rate-0.38 pts vs state
-0.20Rate spread (pts)-0.29 pts vs state
$147kMedian applicant income
354Loans originated
59Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 509 | 322 | 8.3% | 6.38% | #119 |
| 2024 | 751 | 461 | 9.2% | 6.13% | #96 |
| 2025 | 578 | 354 | 10.2% | 6.13% | #128 |
What NBKC Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 99 | 58 | 8 | 8.1% |
| Wake County | 91 | 49 | 13 | 14.3% |
| Durham County | 34 | 15 | 1 | 2.9% |
| Cumberland County | 24 | 19 | 1 | 4.2% |
| Union County | 23 | 16 | 3 | 13.0% |
| Gaston County | 20 | 13 | 3 | 15.0% |
| Iredell County | 18 | 12 | 4 | 22.2% |
| Guilford County | 18 | 13 | 1 | 5.6% |
| Cabarrus County | 15 | 13 | 0 | 0.0% |
| Onslow County | 15 | 11 | 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: 578 applications in 2025, of which 354 were originated and 59 denied.
10.2% of all applications, or 14.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans NBKC Bank originated in North Carolina in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are NBKC Bank'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