RPE Home in North Carolina vs the state
4.6%Denial rate-13.51 pts vs state
6.2%Decision denial rate-16.67 pts vs state
68.2%Origination rate+10.37 pts vs state
11.23%Median rate+4.73 pts vs state
—Rate spread (pts)
—Median applicant income
60Loans originated
4Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 372 | 43 | 40.6% | 11.75% | #153 |
| 2025 | 88 | 60 | 4.6% | 11.23% | #338 |
What RPE Home lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most RPE Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Guilford County | 11 | 7 | 1 | 9.1% |
| Gaston County | 9 | 7 | 0 | 0.0% |
| Mecklenburg County | 7 | 6 | 0 | 0.0% |
| Wake County | 5 | 4 | 0 | 0.0% |
| Macon County | 4 | 4 | 0 | 0.0% |
| Cumberland County | 4 | 3 | 0 | 0.0% |
| Cabarrus County | 4 | 2 | 0 | 0.0% |
| Onslow County | 3 | 1 | 0 | 0.0% |
| Forsyth County | 3 | 2 | 0 | 0.0% |
| Alamance County | 3 | 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: 88 applications in 2025, of which 60 were originated and 4 denied.
4.6% of all applications, or 6.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans RPE Home originated in North Carolina in 2025 was 11.23%, against a statewide median of 6.50%.
About this data. Figures are RPE Home'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