North State Bank in North Carolina vs the state
2.2%Denial rate-15.88 pts vs state
2.6%Decision denial rate-20.27 pts vs state
82.6%Origination rate+24.74 pts vs state
6.63%Median rate+0.13 pts vs state
0.01Rate spread (pts)-0.08 pts vs state
$137kMedian applicant income
492Loans originated
13Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 716 | 596 | 4.5% | 6.50% | #98 |
| 2024 | 635 | 543 | 3.0% | 6.63% | #114 |
| 2025 | 596 | 492 | 2.2% | 6.63% | #125 |
What North State 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 State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 218 | 184 | 6 | 2.8% |
| New Hanover County | 85 | 69 | 2 | 2.4% |
| Franklin County | 48 | 41 | 1 | 2.1% |
| Brunswick County | 35 | 32 | 0 | 0.0% |
| Durham County | 34 | 24 | 1 | 2.9% |
| Johnston County | 33 | 26 | 1 | 3.0% |
| Granville County | 19 | 15 | 0 | 0.0% |
| Harnett County | 15 | 13 | 0 | 0.0% |
| Wilson County | 13 | 7 | 0 | 0.0% |
| Pender County | 9 | 7 | 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: 596 applications in 2025, of which 492 were originated and 13 denied.
2.2% of all applications, or 2.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans North State Bank originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are North State 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