OCMBC in North Carolina vs the state
11.6%Denial rate-6.50 pts vs state
16.6%Decision denial rate-6.27 pts vs state
47.4%Origination rate-10.40 pts vs state
7.50%Median rate+1.00 pts vs state
1.31Rate spread (pts)+1.23 pts vs state
$144kMedian applicant income
201Loans originated
49Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 225 | 100 | 26.2% | 8.31% | #183 |
| 2024 | 313 | 157 | 15.0% | 7.88% | #176 |
| 2025 | 424 | 201 | 11.6% | 7.50% | #154 |
What OCMBC lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 92 | 48 | 11 | 12.0% |
| Wake County | 32 | 10 | 6 | 18.8% |
| Gaston County | 17 | 10 | 0 | 0.0% |
| Union County | 17 | 8 | 2 | 11.8% |
| Durham County | 16 | 6 | 2 | 12.5% |
| Buncombe County | 15 | 12 | 0 | 0.0% |
| Cabarrus County | 15 | 11 | 2 | 13.3% |
| Guilford County | 12 | 8 | 0 | 0.0% |
| Cumberland County | 10 | 7 | 1 | 10.0% |
| New Hanover County | 9 | 3 | 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: 424 applications in 2025, of which 201 were originated and 49 denied.
11.6% of all applications, or 16.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans OCMBC originated in North Carolina in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are OCMBC'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