Real Genius in North Carolina vs the state
7.1%Denial rate-10.92 pts vs state
11.1%Decision denial rate-11.71 pts vs state
53.6%Origination rate-4.24 pts vs state
5.99%Median rate-0.51 pts vs state
-0.11Rate spread (pts)-0.20 pts vs state
$207kMedian applicant income
30Loans originated
4Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 27 | 32.9% | 6.75% | #324 |
| 2025 | 56 | 30 | 7.1% | 5.99% | #383 |
What Real Genius lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Real Genius applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 13 | 5 | 1 | 7.7% |
| Mecklenburg County | 9 | 4 | 1 | 11.1% |
| Brunswick County | 6 | 4 | 0 | 0.0% |
| Orange County | 3 | 1 | 0 | 0.0% |
| Guilford County | 3 | 2 | 0 | 0.0% |
| Union County | 3 | 3 | 0 | 0.0% |
| Durham County | 2 | 0 | 0 | 0.0% |
| Rutherford County | 2 | 1 | 0 | 0.0% |
| Henderson County | 2 | 2 | 0 | 0.0% |
| Carteret County | 2 | 2 | 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: 56 applications in 2025, of which 30 were originated and 4 denied.
7.1% of all applications, or 11.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Real Genius originated in North Carolina in 2025 was 5.99%, against a statewide median of 6.50%.
About this data. Figures are Real Genius'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