Neighborhood Loans in North Carolina vs the state
62.3%Denial rate+44.20 pts vs state
89.2%Decision denial rate+66.37 pts vs state
3.8%Origination rate-54.04 pts vs state
—Median rate
-5.65Rate spread (pts)-5.73 pts vs state
$84kMedian applicant income
2Loans originated
33Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 15 | 20.0% | 6.99% | #471 |
| 2024 | 32 | 15 | 37.5% | 6.75% | #443 |
| 2025 | 53 | 2 | 62.3% | — | #392 |
What Neighborhood 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 Neighborhood Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnston County | 8 | 0 | 6 | 75.0% |
| Wake County | 7 | 1 | 1 | 14.3% |
| Mecklenburg County | 4 | 0 | 3 | 75.0% |
| Person County | 4 | 0 | 3 | 75.0% |
| Cabarrus County | 3 | 0 | 3 | 100.0% |
| Harnett County | 2 | 1 | 0 | 0.0% |
| Columbus County | 2 | 0 | 2 | 100.0% |
| Alamance County | 2 | 0 | 1 | 50.0% |
| Brunswick County | 2 | 0 | 2 | 100.0% |
| Henderson County | 2 | 0 | 2 | 100.0% |
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: 53 applications in 2025, of which 2 were originated and 33 denied.
62.3% of all applications, or 89.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Neighborhood 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