Regions Bank in North Carolina vs the state
28.1%Denial rate+10.00 pts vs state
32.0%Decision denial rate+9.14 pts vs state
50.4%Origination rate-7.44 pts vs state
6.13%Median rate-0.38 pts vs state
0.02Rate spread (pts)-0.06 pts vs state
$150kMedian applicant income
544Loans originated
303Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,151 | 548 | 28.6% | 6.75% | #72 |
| 2024 | 1,022 | 495 | 29.4% | 6.88% | #77 |
| 2025 | 1,080 | 544 | 28.1% | 6.13% | #81 |
What Regions Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Regions Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 378 | 198 | 94 | 24.9% |
| Union County | 96 | 58 | 13 | 13.5% |
| Wake County | 93 | 45 | 30 | 32.3% |
| Cabarrus County | 30 | 15 | 8 | 26.7% |
| Iredell County | 28 | 9 | 9 | 32.1% |
| Durham County | 28 | 15 | 7 | 25.0% |
| Macon County | 23 | 7 | 6 | 26.1% |
| Johnston County | 21 | 8 | 12 | 57.1% |
| Lincoln County | 19 | 11 | 4 | 21.1% |
| New Hanover County | 19 | 10 | 6 | 31.6% |
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: 1,080 applications in 2025, of which 544 were originated and 303 denied.
28.1% of all applications, or 32.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Regions Bank originated in North Carolina in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Regions Bank'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