Name of the lender

AdvantageFirst Lending Inc in North CarolinaMortgage rates, total loan costs and denial rate for homes in North Carolina, 2025

HMDA year2025

StateNorth Carolina

Head office: Lake Forest, CA
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

AdvantageFirst Lending Inc reported 1,014 applications for homes in North Carolina in the HMDA data of 2025.

It originated 357 loans in the state in 2025, for $105 million in total.

The median interest rate of these loans in 2025 was 6.125%, and the median of all lenders in North Carolina was 6.250%.

The median total loan costs in 2025 were $18,200, and the state median was $5,696.

It denied 34.4% of the applications that it decided in the state in 2025, and the state denial rate was 22.8%.

Filed figures of AdvantageFirst Lending Inc in North Carolina, 2025
Figure	In NC	Lender, all states	NC, all lenders
Applications	1,014	12,186	486,376
Loans originated	357	4,137	281,159
Median interest rate	6.125%	6.125%	6.250%
Median total loan costs	$18,200	$18,448	$5,696
Denial rate	34.4%	34.9%	22.8%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in NC

Pricing medians of AdvantageFirst Lending Inc in North Carolina, 2025Each value has the median of all lenders in North Carolina under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in NC	357	6.125%NC 6.250%	$18,200NC $5,696	$12,257NC $2,293	$9,944NC $2,929	$75NC $616	0.445NC 0.065

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.445 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,335 more a year, or $111 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in North Carolina by the action taken
Action taken	Records	Share
1Loan originated	357	35.2%
2Application approved but not accepted	0	0.0%
3Application denied	187	18.4%
4Application withdrawn by applicant	425	41.9%
5File closed for incompleteness	45	4.4%
6Purchased loan	1	0.1%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in North Carolina by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	134	50	23.1%
FHA-insured	508	167	39.7%
VA-guaranteed	372	140	30.7%

Counties in North Carolina

Counties of AdvantageFirst Lending Inc in North Carolina with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Cumberland County	56	16	$4.4 million	n/a
Durham County	31	12	$3.9 million	n/a
Forsyth County	40	10	$2.6 million	n/a
Gaston County	31	10	$2.8 million	n/a
Guilford County	55	21	$6.4 million	32.3%
Iredell County	25	9	$2.5 million	n/a
Johnston County	36	16	$5.3 million	n/a
Mecklenburg County	107	34	$11.5 million	37.0%
Onslow County	34	15	$4.0 million	n/a
Union County	31	9	$2.7 million	n/a
Wake County	72	29	$9.3 million	23.7%

Figures by year

AdvantageFirst Lending Inc in North Carolina by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	1,014	357	$105 million	6.125%	$18,200	34.4%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "AdvantageFirst Lending Inc in North Carolina, 2025", https://lenderregister.com/lender/254900m2c4q6datp2889-advantagefirst-lending-inc/nc/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in North Carolina. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of AdvantageFirst Lending Inc were in North Carolina in 2025?: 357 of its loans originated, out of 4,137 in all states. That is 8.6%.
In which counties of North Carolina did AdvantageFirst Lending Inc originate the most loans in 2025?: The three with the most loans were Mecklenburg County (34), Wake County (29) and Guilford County (21).
Which loan types did AdvantageFirst Lending Inc originate in North Carolina in 2025?: 50 conventional, 167 FHA and 140 VA.
What share of the applications in North Carolina did AdvantageFirst Lending Inc report in 2025?: 0.2%: 1,014 out of 486,376 applications of all lenders in the state.