Vision Lending Services in North Carolina vs the state
1.4%Denial rate-16.68 pts vs state
1.5%Decision denial rate-21.34 pts vs state
89.0%Origination rate+31.16 pts vs state
6.00%Median rate-0.50 pts vs state
-0.03Rate spread (pts)-0.12 pts vs state
$132kMedian applicant income
129Loans originated
2Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 144 | 126 | 0.0% | 6.25% | #239 |
| 2024 | 152 | 135 | 0.0% | 6.13% | #247 |
| 2025 | 145 | 129 | 1.4% | 6.00% | #273 |
What Vision Lending Services lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Vision Lending Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Moore County | 40 | 36 | 0 | 0.0% |
| Brunswick County | 21 | 17 | 1 | 4.8% |
| Johnston County | 19 | 17 | 0 | 0.0% |
| Durham County | 18 | 18 | 0 | 0.0% |
| Cumberland County | 15 | 14 | 0 | 0.0% |
| Hoke County | 11 | 9 | 0 | 0.0% |
| Lee County | 7 | 6 | 0 | 0.0% |
| Wake County | 6 | 6 | 0 | 0.0% |
| Onslow County | 4 | 3 | 1 | 25.0% |
| Carteret County | 1 | 1 | 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: 145 applications in 2025, of which 129 were originated and 2 denied.
1.4% of all applications, or 1.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Vision Lending Services originated in North Carolina in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Vision Lending Services'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