Zillow Home Loans in North Carolina vs the state
3.1%Denial rate-14.99 pts vs state
3.8%Decision denial rate-19.06 pts vs state
77.8%Origination rate+19.99 pts vs state
6.50%Median rate0.00 pts vs state
0.22Rate spread (pts)+0.13 pts vs state
$107kMedian applicant income
1,090Loans originated
43Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 612 | 455 | 2.5% | 6.75% | #108 |
| 2024 | 1,203 | 908 | 2.6% | 6.63% | #69 |
| 2025 | 1,401 | 1,090 | 3.1% | 6.50% | #67 |
What Zillow Home Loans lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 259 | 202 | 5 | 1.9% |
| Wake County | 253 | 204 | 8 | 3.2% |
| Johnston County | 86 | 68 | 2 | 2.3% |
| Durham County | 83 | 69 | 0 | 0.0% |
| Gaston County | 68 | 53 | 2 | 2.9% |
| Cabarrus County | 68 | 49 | 1 | 1.5% |
| Iredell County | 48 | 36 | 0 | 0.0% |
| Union County | 44 | 32 | 1 | 2.3% |
| Franklin County | 36 | 28 | 2 | 5.6% |
| Onslow County | 34 | 26 | 1 | 2.9% |
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: 1,401 applications in 2025, of which 1,090 were originated and 43 denied.
3.1% of all applications, or 3.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Zillow Home Loans originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Zillow Home Loans'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