Texana Bank in North Carolina vs the state
6.8%Denial rate-11.30 pts vs state
18.8%Decision denial rate-4.01 pts vs state
21.4%Origination rate-36.46 pts vs state
6.25%Median rate-0.25 pts vs state
0.13Rate spread (pts)+0.05 pts vs state
$85kMedian applicant income
60Loans originated
19Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 0 | 31.3% | — | #293 |
| 2024 | 147 | 31 | 11.6% | 6.75% | #251 |
| 2025 | 281 | 60 | 6.8% | 6.25% | #201 |
What Texana 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 Texana Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 22 | 4 | 2 | 9.1% |
| Cumberland County | 15 | 3 | 1 | 6.7% |
| Wake County | 14 | 2 | 1 | 7.1% |
| Forsyth County | 13 | 2 | 2 | 15.4% |
| Guilford County | 12 | 6 | 1 | 8.3% |
| Harnett County | 12 | 2 | 0 | 0.0% |
| Johnston County | 10 | 3 | 0 | 0.0% |
| Iredell County | 10 | 4 | 1 | 10.0% |
| Pitt County | 9 | 3 | 0 | 0.0% |
| Brunswick County | 9 | 1 | 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: 281 applications in 2025, of which 60 were originated and 19 denied.
6.8% of all applications, or 18.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Texana Bank originated in North Carolina in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Texana 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