Primelending, a Plainscapital in North Carolina vs the state
3.9%Denial rate-14.14 pts vs state
4.4%Decision denial rate-18.42 pts vs state
77.1%Origination rate+19.25 pts vs state
6.49%Median rate-0.01 pts vs state
0.14Rate spread (pts)+0.05 pts vs state
$117kMedian applicant income
393Loans originated
20Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,060 | 748 | 6.0% | 6.63% | #77 |
| 2024 | 641 | 472 | 7.8% | 6.63% | #110 |
| 2025 | 510 | 393 | 3.9% | 6.49% | #134 |
What Primelending, a Plainscapital lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Primelending, a Plainscapital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 79 | 64 | 4 | 5.1% |
| Mecklenburg County | 79 | 62 | 1 | 1.3% |
| Buncombe County | 29 | 22 | 0 | 0.0% |
| Gaston County | 20 | 13 | 4 | 20.0% |
| Catawba County | 19 | 15 | 0 | 0.0% |
| Durham County | 14 | 10 | 1 | 7.1% |
| Harnett County | 13 | 9 | 0 | 0.0% |
| Johnston County | 12 | 12 | 0 | 0.0% |
| Iredell County | 12 | 11 | 0 | 0.0% |
| Cumberland County | 11 | 10 | 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: 510 applications in 2025, of which 393 were originated and 20 denied.
3.9% of all applications, or 4.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Primelending, a Plainscapital originated in North Carolina in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Primelending, a Plainscapital'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