Planet Home Lending in North Carolina vs the state
17.8%Denial rate-0.27 pts vs state
18.7%Decision denial rate-4.12 pts vs state
75.7%Origination rate+17.87 pts vs state
5.99%Median rate-0.51 pts vs state
0.00Rate spread (pts)-0.09 pts vs state
$92kMedian applicant income
417Loans originated
98Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 237 | 149 | 27.4% | 6.75% | #179 |
| 2024 | 419 | 308 | 21.7% | 6.38% | #141 |
| 2025 | 551 | 417 | 17.8% | 5.99% | #131 |
What Planet Home Lending lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Planet Home Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 42 | 26 | 14 | 33.3% |
| Onslow County | 32 | 24 | 5 | 15.6% |
| Wake County | 29 | 17 | 9 | 31.0% |
| Gaston County | 27 | 20 | 7 | 25.9% |
| Mecklenburg County | 24 | 20 | 3 | 12.5% |
| Brunswick County | 21 | 14 | 5 | 23.8% |
| Forsyth County | 18 | 14 | 3 | 16.7% |
| Harnett County | 18 | 12 | 5 | 27.8% |
| Hoke County | 17 | 15 | 2 | 11.8% |
| Johnston County | 15 | 11 | 3 | 20.0% |
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: 551 applications in 2025, of which 417 were originated and 98 denied.
17.8% of all applications, or 18.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Planet Home Lending originated in North Carolina in 2025 was 5.99%, against a statewide median of 6.50%.
About this data. Figures are Planet Home Lending'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