United Shore Financial Services in North Carolina vs the state
11.4%Denial rate-6.69 pts vs state
13.1%Decision denial rate-9.68 pts vs state
72.4%Origination rate+14.58 pts vs state
6.13%Median rate-0.38 pts vs state
0.03Rate spread (pts)-0.06 pts vs state
$109kMedian applicant income
13,671Loans originated
2,148Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10,031 | 7,574 | 10.6% | 6.50% | #9 |
| 2024 | 13,870 | 10,318 | 10.4% | 6.25% | #4 |
| 2025 | 18,884 | 13,671 | 11.4% | 6.13% | #3 |
What United Shore Financial Services 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 Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 2,757 | 2,180 | 246 | 8.9% |
| Mecklenburg County | 2,241 | 1,646 | 281 | 12.5% |
| Cabarrus County | 1,036 | 866 | 79 | 7.6% |
| Cumberland County | 1,036 | 719 | 108 | 10.4% |
| Union County | 729 | 567 | 72 | 9.9% |
| Guilford County | 590 | 403 | 80 | 13.6% |
| Gaston County | 565 | 398 | 71 | 12.6% |
| Onslow County | 554 | 394 | 48 | 8.7% |
| Johnston County | 514 | 385 | 60 | 11.7% |
| Harnett County | 485 | 352 | 44 | 9.1% |
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% |
| 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% |
| Freedom Mortgage | B | 9,632 | 7.1% | 6.13% |
Frequently asked questions
North Carolina: 18,884 applications in 2025, of which 13,671 were originated and 2,148 denied.
11.4% of all applications, or 13.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans United Shore Financial Services originated in North Carolina in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are United Shore Financial Services'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