North American Savings Bank in North Carolina vs the state
11.5%Denial rate-6.52 pts vs state
15.4%Decision denial rate-7.44 pts vs state
59.6%Origination rate+1.81 pts vs state
7.00%Median rate+0.50 pts vs state
0.55Rate spread (pts)+0.46 pts vs state
$134kMedian applicant income
31Loans originated
6Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 95 | 60 | 15.8% | 7.00% | #295 |
| 2024 | 52 | 34 | 11.5% | 6.88% | #380 |
| 2025 | 52 | 31 | 11.5% | 7.00% | #395 |
What North American Savings 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 North American Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 6 | 4 | 0 | 0.0% |
| Union County | 6 | 5 | 0 | 0.0% |
| Mecklenburg County | 5 | 1 | 1 | 20.0% |
| Franklin County | 3 | 3 | 0 | 0.0% |
| Cumberland County | 3 | 0 | 2 | 66.7% |
| Dare County | 2 | 1 | 0 | 0.0% |
| Durham County | 2 | 2 | 0 | 0.0% |
| Forsyth County | 2 | 2 | 0 | 0.0% |
| Harnett County | 2 | 0 | 0 | 0.0% |
| Onslow County | 2 | 2 | 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: 52 applications in 2025, of which 31 were originated and 6 denied.
11.5% of all applications, or 15.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans North American Savings Bank originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are North American Savings 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