United Trust Bank in North Carolina vs the state
13.1%Denial rate-4.95 pts vs state
13.6%Decision denial rate-9.26 pts vs state
78.7%Origination rate+20.88 pts vs state
6.50%Median rate0.00 pts vs state
0.42Rate spread (pts)+0.33 pts vs state
$75kMedian applicant income
48Loans originated
8Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 14 | 11 | 21.4% | 6.50% | #560 |
| 2025 | 61 | 48 | 13.1% | 6.50% | #376 |
What United 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 United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 8 | 6 | 1 | 12.5% |
| Forsyth County | 4 | 4 | 0 | 0.0% |
| Davidson County | 3 | 1 | 1 | 33.3% |
| Randolph County | 3 | 3 | 0 | 0.0% |
| Iredell County | 3 | 3 | 0 | 0.0% |
| Alamance County | 3 | 2 | 1 | 33.3% |
| Pitt County | 3 | 1 | 2 | 66.7% |
| Mecklenburg County | 3 | 3 | 0 | 0.0% |
| Wake County | 2 | 2 | 0 | 0.0% |
| Gaston County | 2 | 2 | 0 | 0.0% |
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: 61 applications in 2025, of which 48 were originated and 8 denied.
13.1% of all applications, or 13.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans United Trust Bank originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are United 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