Reliance First Capital in North Carolina vs the state
3.1%Denial rate-14.94 pts vs state
3.7%Decision denial rate-19.17 pts vs state
79.7%Origination rate+21.91 pts vs state
6.63%Median rate+0.13 pts vs state
0.71Rate spread (pts)+0.63 pts vs state
$69kMedian applicant income
562Loans originated
22Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 561 | 458 | 3.7% | 6.75% | #114 |
| 2024 | 724 | 578 | 3.5% | 6.75% | #99 |
| 2025 | 705 | 562 | 3.1% | 6.63% | #111 |
What Reliance First Capital lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 74 | 58 | 4 | 5.4% |
| Wake County | 45 | 34 | 1 | 2.2% |
| Gaston County | 31 | 22 | 1 | 3.2% |
| Guilford County | 28 | 23 | 2 | 7.1% |
| Forsyth County | 27 | 24 | 1 | 3.7% |
| Union County | 27 | 21 | 0 | 0.0% |
| Brunswick County | 24 | 20 | 0 | 0.0% |
| Johnston County | 24 | 22 | 0 | 0.0% |
| Cumberland County | 23 | 18 | 1 | 4.3% |
| Rowan County | 22 | 14 | 1 | 4.5% |
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: 705 applications in 2025, of which 562 were originated and 22 denied.
3.1% of all applications, or 3.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Reliance First Capital originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Reliance First Capital'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