The Central Trust Bank in North Carolina vs the state
5.1%Denial rate-12.99 pts vs state
6.6%Decision denial rate-16.27 pts vs state
71.7%Origination rate+13.92 pts vs state
6.63%Median rate+0.13 pts vs state
0.23Rate spread (pts)+0.14 pts vs state
$133kMedian applicant income
269Loans originated
19Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 423 | 310 | 0.7% | 6.56% | #128 |
| 2024 | 430 | 309 | 3.7% | 6.63% | #138 |
| 2025 | 375 | 269 | 5.1% | 6.63% | #165 |
What The Central Trust 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 The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 116 | 91 | 3 | 2.6% |
| Cherokee County | 49 | 36 | 4 | 8.2% |
| Durham County | 33 | 23 | 3 | 9.1% |
| Harnett County | 18 | 13 | 2 | 11.1% |
| Johnston County | 17 | 10 | 0 | 0.0% |
| Clay County | 14 | 11 | 0 | 0.0% |
| Orange County | 11 | 8 | 0 | 0.0% |
| Brunswick County | 10 | 8 | 0 | 0.0% |
| Wayne County | 9 | 7 | 1 | 11.1% |
| Franklin County | 8 | 6 | 1 | 12.5% |
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: 375 applications in 2025, of which 269 were originated and 19 denied.
5.1% of all applications, or 6.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans The Central Trust Bank originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are The Central Trust 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