United Bank in North Carolina vs the state
19.9%Denial rate+1.88 pts vs state
22.5%Decision denial rate-0.36 pts vs state
67.4%Origination rate+9.55 pts vs state
7.00%Median rate+0.50 pts vs state
0.30Rate spread (pts)+0.21 pts vs state
$110kMedian applicant income
419Loans originated
124Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 700 | 448 | 24.0% | 7.50% | #100 |
| 2024 | 655 | 421 | 21.1% | 7.75% | #107 |
| 2025 | 622 | 419 | 19.9% | 7.00% | #120 |
What United 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 United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brunswick County | 80 | 56 | 17 | 21.3% |
| Pitt County | 44 | 31 | 8 | 18.2% |
| Beaufort County | 43 | 28 | 10 | 23.3% |
| Craven County | 38 | 24 | 6 | 15.8% |
| Mecklenburg County | 36 | 29 | 6 | 16.7% |
| Robeson County | 31 | 23 | 6 | 19.4% |
| Lincoln County | 29 | 18 | 7 | 24.1% |
| New Hanover County | 25 | 15 | 5 | 20.0% |
| Catawba County | 23 | 19 | 3 | 13.0% |
| Columbus County | 23 | 13 | 6 | 26.1% |
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: 622 applications in 2025, of which 419 were originated and 124 denied.
19.9% of all applications, or 22.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans United Bank originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are United 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