Select Lending Services in North Carolina vs the state
19.2%Denial rate+1.17 pts vs state
20.8%Decision denial rate-1.99 pts vs state
57.7%Origination rate-0.12 pts vs state
6.75%Median rate+0.25 pts vs state
0.24Rate spread (pts)+0.15 pts vs state
$140kMedian applicant income
15Loans originated
5Denied
What Select Lending Services lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Select Lending Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Buncombe County | 12 | 8 | 1 | 8.3% |
| Henderson County | 5 | 2 | 3 | 60.0% |
| Mitchell County | 2 | 1 | 1 | 50.0% |
| Rutherford County | 1 | 0 | 0 | 0.0% |
| Union County | 1 | 1 | 0 | 0.0% |
| Haywood County | 1 | 1 | 0 | 0.0% |
| McDowell County | 1 | 1 | 0 | 0.0% |
| Mecklenburg County | 1 | 0 | 0 | 0.0% |
| Iredell County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 0 | 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: 26 applications in 2025, of which 15 were originated and 5 denied.
19.2% of all applications, or 20.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Select Lending Services originated in North Carolina in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Select Lending Services'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