New Day Financial in North Carolina vs the state
24.2%Denial rate+6.14 pts vs state
53.8%Decision denial rate+31.00 pts vs state
19.2%Origination rate-38.62 pts vs state
6.99%Median rate+0.49 pts vs state
0.78Rate spread (pts)+0.69 pts vs state
$76kMedian applicant income
548Loans originated
691Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,974 | 417 | 23.7% | 7.49% | #44 |
| 2024 | 2,698 | 494 | 23.5% | 7.50% | #38 |
| 2025 | 2,855 | 548 | 24.2% | 6.99% | #34 |
What New Day Financial lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most New Day Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 279 | 57 | 71 | 25.4% |
| Onslow County | 162 | 37 | 28 | 17.3% |
| Mecklenburg County | 144 | 23 | 33 | 22.9% |
| Wake County | 124 | 18 | 35 | 28.2% |
| Forsyth County | 119 | 18 | 28 | 23.5% |
| Guilford County | 104 | 20 | 34 | 32.7% |
| Johnston County | 76 | 13 | 21 | 27.6% |
| Harnett County | 75 | 19 | 19 | 25.3% |
| Craven County | 74 | 16 | 9 | 12.2% |
| Gaston County | 70 | 13 | 28 | 40.0% |
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: 2,855 applications in 2025, of which 548 were originated and 691 denied.
24.2% of all applications, or 53.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans New Day Financial originated in North Carolina in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are New Day Financial'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