Stifel Bank and Trust in North Carolina vs the state
4.1%Denial rate-13.95 pts vs state
4.6%Decision denial rate-18.20 pts vs state
83.6%Origination rate+25.75 pts vs state
6.13%Median rate-0.38 pts vs state
0.01Rate spread (pts)-0.08 pts vs state
$288kMedian applicant income
122Loans originated
6Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 111 | 0.8% | 6.38% | #259 |
| 2024 | 98 | 90 | 0.0% | 6.31% | #302 |
| 2025 | 146 | 122 | 4.1% | 6.13% | #272 |
What Stifel Bank and Trust lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Stifel Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 15 | 13 | 1 | 6.7% |
| Mecklenburg County | 13 | 12 | 0 | 0.0% |
| New Hanover County | 13 | 13 | 0 | 0.0% |
| Brunswick County | 12 | 9 | 2 | 16.7% |
| Jackson County | 8 | 6 | 0 | 0.0% |
| Guilford County | 7 | 7 | 0 | 0.0% |
| Gaston County | 5 | 2 | 0 | 0.0% |
| Johnston County | 4 | 4 | 0 | 0.0% |
| Rowan County | 4 | 3 | 1 | 25.0% |
| Buncombe County | 4 | 3 | 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: 146 applications in 2025, of which 122 were originated and 6 denied.
4.1% of all applications, or 4.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Stifel Bank and Trust originated in North Carolina in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Stifel Bank and Trust'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