OriginPoint in North Carolina vs the state
4.2%Denial rate-13.88 pts vs state
6.1%Decision denial rate-16.77 pts vs state
64.2%Origination rate+6.37 pts vs state
6.38%Median rate-0.13 pts vs state
0.17Rate spread (pts)+0.09 pts vs state
$165kMedian applicant income
292Loans originated
19Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 50 | 32 | 2.0% | 6.46% | #370 |
| 2024 | 230 | 142 | 2.6% | 6.63% | #203 |
| 2025 | 455 | 292 | 4.2% | 6.38% | #147 |
What OriginPoint lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most OriginPoint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 129 | 85 | 6 | 4.7% |
| Wake County | 128 | 80 | 4 | 3.1% |
| Durham County | 38 | 22 | 2 | 5.3% |
| Union County | 37 | 19 | 1 | 2.7% |
| Johnston County | 19 | 14 | 2 | 10.5% |
| Chatham County | 14 | 13 | 0 | 0.0% |
| Gaston County | 13 | 13 | 0 | 0.0% |
| Orange County | 8 | 5 | 1 | 12.5% |
| Cabarrus County | 7 | 2 | 0 | 0.0% |
| Harnett County | 6 | 4 | 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: 455 applications in 2025, of which 292 were originated and 19 denied.
4.2% of all applications, or 6.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans OriginPoint originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are OriginPoint'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