Village Capital & Investment in North Carolina vs the state
20.7%Denial rate+2.68 pts vs state
26.5%Decision denial rate+3.65 pts vs state
33.9%Origination rate-23.96 pts vs state
5.75%Median rate-0.75 pts vs state
—Rate spread (pts)
$81kMedian applicant income
705Loans originated
432Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,099 | 256 | 17.1% | 6.00% | #75 |
| 2024 | 2,169 | 794 | 11.4% | 5.75% | #44 |
| 2025 | 2,083 | 705 | 20.7% | 5.75% | #51 |
What Village Capital & Investment lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 207 | 56 | 59 | 28.5% |
| Onslow County | 127 | 56 | 17 | 13.4% |
| Mecklenburg County | 122 | 38 | 31 | 25.4% |
| Wake County | 101 | 42 | 15 | 14.9% |
| Guilford County | 88 | 30 | 18 | 20.5% |
| Hoke County | 72 | 34 | 8 | 11.1% |
| Forsyth County | 71 | 18 | 11 | 15.5% |
| Harnett County | 70 | 27 | 11 | 15.7% |
| Johnston County | 64 | 19 | 10 | 15.6% |
| Gaston County | 63 | 12 | 18 | 28.6% |
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: 2,083 applications in 2025, of which 705 were originated and 432 denied.
20.7% of all applications, or 26.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Village Capital & Investment originated in North Carolina in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Village Capital & Investment'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