Valon Mortgage in North Carolina vs the state
21.4%Denial rate+3.37 pts vs state
24.8%Decision denial rate+1.97 pts vs state
55.0%Origination rate-2.81 pts vs state
9.55%Median rate+3.05 pts vs state
3.30Rate spread (pts)+3.21 pts vs state
$105kMedian applicant income
154Loans originated
60Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 24 | 12 | 12.5% | 6.56% | #479 |
| 2025 | 280 | 154 | 21.4% | 9.55% | #203 |
What Valon Mortgage lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 32 | 13 | 6 | 18.8% |
| Wake County | 31 | 16 | 8 | 25.8% |
| Union County | 13 | 9 | 2 | 15.4% |
| Guilford County | 12 | 5 | 0 | 0.0% |
| Buncombe County | 12 | 8 | 0 | 0.0% |
| Forsyth County | 12 | 3 | 2 | 16.7% |
| Cabarrus County | 10 | 7 | 2 | 20.0% |
| Alamance County | 9 | 5 | 2 | 22.2% |
| Durham County | 9 | 8 | 1 | 11.1% |
| Brunswick County | 9 | 5 | 2 | 22.2% |
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: 280 applications in 2025, of which 154 were originated and 60 denied.
21.4% of all applications, or 24.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Valon Mortgage originated in North Carolina in 2025 was 9.55%, against a statewide median of 6.50%.
About this data. Figures are Valon Mortgage'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