Ony Glo in North Carolina vs the state
63.3%Denial rate+45.27 pts vs state
70.4%Decision denial rate+47.55 pts vs state
26.7%Origination rate-31.14 pts vs state
7.31%Median rate+0.81 pts vs state
0.34Rate spread (pts)+0.25 pts vs state
$177kMedian applicant income
8Loans originated
19Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 11 | 35.0% | 6.38% | #504 |
| 2024 | 18 | 10 | 44.4% | 7.43% | #522 |
| 2025 | 30 | 8 | 63.3% | 7.31% | #471 |
What Ony Glo lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Ony Glo applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 6 | 1 | 3 | 50.0% |
| Wake County | 5 | 4 | 1 | 20.0% |
| Cumberland County | 3 | 0 | 3 | 100.0% |
| Gaston County | 3 | 0 | 3 | 100.0% |
| Pender County | 3 | 0 | 2 | 66.7% |
| Swain County | 1 | 0 | 1 | 100.0% |
| Durham County | 1 | 0 | 1 | 100.0% |
| Forsyth County | 1 | 1 | 0 | 0.0% |
| New Hanover County | 1 | 1 | 0 | 0.0% |
| Chatham County | 1 | 0 | 1 | 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: 30 applications in 2025, of which 8 were originated and 19 denied.
63.3% of all applications, or 70.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Ony Glo originated in North Carolina in 2025 was 7.31%, against a statewide median of 6.50%.
About this data. Figures are Ony Glo'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