Wolfe Financial in North Carolina vs the state
1.2%Denial rate-16.83 pts vs state
1.8%Decision denial rate-21.04 pts vs state
68.0%Origination rate+10.22 pts vs state
6.63%Median rate+0.13 pts vs state
0.52Rate spread (pts)+0.43 pts vs state
$94kMedian applicant income
166Loans originated
3Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 164 | 128 | 2.4% | 6.88% | #218 |
| 2024 | 186 | 127 | 2.2% | 6.88% | #220 |
| 2025 | 244 | 166 | 1.2% | 6.63% | #213 |
What Wolfe Financial lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Wolfe Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Randolph County | 83 | 65 | 1 | 1.2% |
| Guilford County | 66 | 42 | 1 | 1.5% |
| Rockingham County | 14 | 8 | 0 | 0.0% |
| Davidson County | 12 | 7 | 0 | 0.0% |
| Forsyth County | 11 | 9 | 1 | 9.1% |
| Alamance County | 10 | 8 | 0 | 0.0% |
| Mecklenburg County | 6 | 2 | 0 | 0.0% |
| Orange County | 5 | 4 | 0 | 0.0% |
| Union County | 4 | 0 | 0 | 0.0% |
| Stokes County | 4 | 3 | 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: 244 applications in 2025, of which 166 were originated and 3 denied.
1.2% of all applications, or 1.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Wolfe Financial originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Wolfe Financial'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