Vanderbilt Mortgage and Finance in North Carolina vs the state
38.0%Denial rate+19.93 pts vs state
66.8%Decision denial rate+43.96 pts vs state
16.8%Origination rate-41.05 pts vs state
7.75%Median rate+1.25 pts vs state
1.48Rate spread (pts)+1.39 pts vs state
$62kMedian applicant income
2,515Loans originated
5,702Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16,167 | 1,902 | 43.9% | 8.75% | #3 |
| 2024 | 14,819 | 2,006 | 43.5% | 8.50% | #3 |
| 2025 | 15,008 | 2,515 | 38.0% | 7.75% | #4 |
What Vanderbilt Mortgage and Finance lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 600 | 324 | 116 | 19.3% |
| Pitt County | 519 | 30 | 243 | 46.8% |
| Robeson County | 492 | 53 | 213 | 43.3% |
| Forsyth County | 486 | 198 | 125 | 25.7% |
| Gaston County | 471 | 28 | 191 | 40.6% |
| Cleveland County | 454 | 40 | 190 | 41.9% |
| Buncombe County | 408 | 59 | 146 | 35.8% |
| Rockingham County | 400 | 21 | 202 | 50.5% |
| Brunswick County | 393 | 113 | 132 | 33.6% |
| Davidson County | 384 | 43 | 146 | 38.0% |
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% |
| 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: 15,008 applications in 2025, of which 2,515 were originated and 5,702 denied.
38.0% of all applications, or 66.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Vanderbilt Mortgage and Finance originated in North Carolina in 2025 was 7.75%, against a statewide median of 6.50%.
About this data. Figures are Vanderbilt Mortgage and Finance'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