Resicentral in North Carolina vs the state
2.2%Denial rate-15.82 pts vs state
2.9%Decision denial rate-19.88 pts vs state
70.9%Origination rate+13.04 pts vs state
6.49%Median rate-0.01 pts vs state
0.09Rate spread (pts)0.00 pts vs state
$130kMedian applicant income
158Loans originated
5Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 17 | 3.6% | 6.88% | #451 |
| 2024 | 276 | 183 | 2.2% | 6.63% | #187 |
| 2025 | 223 | 158 | 2.2% | 6.49% | #224 |
What Resicentral lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Resicentral applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 60 | 48 | 0 | 0.0% |
| Mecklenburg County | 39 | 23 | 2 | 5.1% |
| Durham County | 11 | 9 | 0 | 0.0% |
| Ashe County | 8 | 6 | 0 | 0.0% |
| Johnston County | 7 | 6 | 0 | 0.0% |
| Gaston County | 7 | 4 | 1 | 14.3% |
| Harnett County | 7 | 7 | 0 | 0.0% |
| Union County | 6 | 3 | 1 | 16.7% |
| Cabarrus County | 6 | 3 | 0 | 0.0% |
| Iredell County | 5 | 4 | 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: 223 applications in 2025, of which 158 were originated and 5 denied.
2.2% of all applications, or 2.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Resicentral originated in North Carolina in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Resicentral'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