Valley West in North Carolina vs the state
15.0%Denial rate-3.06 pts vs state
37.5%Decision denial rate+14.68 pts vs state
25.0%Origination rate-32.81 pts vs state
5.75%Median rate-0.75 pts vs state
-0.20Rate spread (pts)-0.29 pts vs state
$98kMedian applicant income
5Loans originated
3Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 7 | 0.0% | 5.25% | #704 |
| 2024 | 96 | 39 | 6.3% | 5.99% | #304 |
| 2025 | 20 | 5 | 15.0% | 5.75% | #531 |
What Valley West lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Valley West applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 3 | 2 | 0 | 0.0% |
| Henderson County | 2 | 0 | 0 | 0.0% |
| Mecklenburg County | 2 | 0 | 0 | 0.0% |
| Hoke County | 1 | 0 | 0 | 0.0% |
| Cleveland County | 1 | 1 | 0 | 0.0% |
| Pender County | 1 | 0 | 0 | 0.0% |
| Durham County | 1 | 1 | 0 | 0.0% |
| Cumberland County | 1 | 0 | 0 | 0.0% |
| Craven County | 1 | 0 | 1 | 100.0% |
| Brunswick County | 1 | 0 | 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: 20 applications in 2025, of which 5 were originated and 3 denied.
15.0% of all applications, or 37.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Valley West originated in North Carolina in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Valley West'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