The Loan Store in North Carolina vs the state
8.5%Denial rate-9.60 pts vs state
9.3%Decision denial rate-13.53 pts vs state
73.8%Origination rate+16.01 pts vs state
6.63%Median rate+0.13 pts vs state
0.32Rate spread (pts)+0.24 pts vs state
$146kMedian applicant income
1,029Loans originated
118Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 178 | 106 | 9.6% | 7.13% | #206 |
| 2024 | 793 | 518 | 9.6% | 6.99% | #92 |
| 2025 | 1,394 | 1,029 | 8.5% | 6.63% | #68 |
What The Loan Store 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 Loan Store applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 245 | 202 | 12 | 4.9% |
| Mecklenburg County | 244 | 177 | 19 | 7.8% |
| Brunswick County | 72 | 53 | 5 | 6.9% |
| Union County | 48 | 33 | 9 | 18.8% |
| Guilford County | 44 | 35 | 3 | 6.8% |
| Durham County | 41 | 37 | 0 | 0.0% |
| Cabarrus County | 41 | 29 | 5 | 12.2% |
| New Hanover County | 40 | 30 | 3 | 7.5% |
| Johnston County | 37 | 28 | 0 | 0.0% |
| Harnett County | 33 | 24 | 2 | 6.1% |
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: 1,394 applications in 2025, of which 1,029 were originated and 118 denied.
8.5% of all applications, or 9.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans The Loan Store originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are The Loan Store'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