UIF in North Carolina vs the state
12.1%Denial rate-5.99 pts vs state
19.4%Decision denial rate-3.38 pts vs state
48.3%Origination rate-9.53 pts vs state
6.88%Median rate+0.38 pts vs state
0.37Rate spread (pts)+0.29 pts vs state
$114kMedian applicant income
28Loans originated
7Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 42 | 9.2% | 6.99% | #321 |
| 2024 | 95 | 49 | 15.8% | 6.88% | #306 |
| 2025 | 58 | 28 | 12.1% | 6.88% | #379 |
What UIF lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most UIF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 24 | 10 | 3 | 12.5% |
| Guilford County | 8 | 4 | 0 | 0.0% |
| Mecklenburg County | 5 | 5 | 0 | 0.0% |
| Johnston County | 3 | 0 | 1 | 33.3% |
| Randolph County | 3 | 2 | 1 | 33.3% |
| Cabarrus County | 3 | 2 | 0 | 0.0% |
| Durham County | 2 | 1 | 1 | 50.0% |
| Forsyth County | 2 | 0 | 0 | 0.0% |
| Cumberland County | 2 | 1 | 0 | 0.0% |
| Orange County | 2 | 0 | 1 | 50.0% |
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: 58 applications in 2025, of which 28 were originated and 7 denied.
12.1% of all applications, or 19.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans UIF originated in North Carolina in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are UIF'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