21st Mortgage in North Carolina vs the state
52.0%Denial rate+33.96 pts vs state
75.9%Decision denial rate+53.05 pts vs state
15.4%Origination rate-42.41 pts vs state
10.15%Median rate+3.65 pts vs state
4.65Rate spread (pts)+4.56 pts vs state
$61kMedian applicant income
810Loans originated
2,736Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,279 | 813 | 52.2% | 9.55% | #19 |
| 2024 | 5,658 | 912 | 51.1% | 9.93% | #17 |
| 2025 | 5,260 | 810 | 52.0% | 10.15% | #20 |
What 21st Mortgage lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Robeson County | 510 | 64 | 245 | 48.0% |
| Guilford County | 481 | 119 | 262 | 54.5% |
| Onslow County | 219 | 31 | 118 | 53.9% |
| Duplin County | 214 | 33 | 105 | 49.1% |
| Wake County | 204 | 26 | 121 | 59.3% |
| Brunswick County | 182 | 36 | 73 | 40.1% |
| Columbus County | 176 | 32 | 75 | 42.6% |
| Wayne County | 162 | 25 | 99 | 61.1% |
| Cumberland County | 138 | 17 | 79 | 57.2% |
| Bladen County | 127 | 25 | 56 | 44.1% |
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: 5,260 applications in 2025, of which 810 were originated and 2,736 denied.
52.0% of all applications, or 75.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans 21st Mortgage originated in North Carolina in 2025 was 10.15%, against a statewide median of 6.50%.
About this data. Figures are 21st Mortgage'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