TD Bank in North Carolina vs the state
23.7%Denial rate+5.61 pts vs state
29.5%Decision denial rate+6.67 pts vs state
55.9%Origination rate-1.92 pts vs state
7.00%Median rate+0.50 pts vs state
0.22Rate spread (pts)+0.13 pts vs state
$167kMedian applicant income
555Loans originated
235Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,367 | 819 | 22.0% | 6.88% | #61 |
| 2024 | 1,243 | 732 | 21.8% | 7.38% | #68 |
| 2025 | 993 | 555 | 23.7% | 7.00% | #87 |
What TD 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 TD Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 199 | 123 | 41 | 20.6% |
| Buncombe County | 106 | 68 | 19 | 17.9% |
| Wake County | 67 | 37 | 15 | 22.4% |
| Union County | 59 | 38 | 14 | 23.7% |
| Brunswick County | 47 | 23 | 10 | 21.3% |
| New Hanover County | 47 | 22 | 19 | 40.4% |
| Henderson County | 37 | 16 | 11 | 29.7% |
| Gaston County | 24 | 16 | 4 | 16.7% |
| Iredell County | 22 | 14 | 3 | 13.6% |
| Rutherford County | 22 | 7 | 7 | 31.8% |
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: 993 applications in 2025, of which 555 were originated and 235 denied.
23.7% of all applications, or 29.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans TD Bank originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are TD 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