Roxboro Savings Bank in North Carolina vs the state
14.4%Denial rate-3.68 pts vs state
15.9%Decision denial rate-6.91 pts vs state
75.3%Origination rate+17.53 pts vs state
—Median rate
—Rate spread (pts)
$120kMedian applicant income
110Loans originated
21Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 147 | 104 | 13.6% | — | #236 |
| 2024 | 137 | 90 | 16.8% | — | #263 |
| 2025 | 146 | 110 | 14.4% | — | #270 |
What Roxboro Savings 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 Roxboro Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Person County | 83 | 64 | 10 | 12.0% |
| Durham County | 17 | 15 | 1 | 5.9% |
| Orange County | 13 | 11 | 0 | 0.0% |
| Alamance County | 12 | 8 | 3 | 25.0% |
| Granville County | 11 | 6 | 4 | 36.4% |
| Caswell County | 9 | 6 | 2 | 22.2% |
| Wake County | 1 | 0 | 1 | 100.0% |
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: 146 applications in 2025, of which 110 were originated and 21 denied.
14.4% of all applications, or 15.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Roxboro Savings 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