American Internet Mortgage in North Carolina vs the state
16.6%Denial rate-1.50 pts vs state
28.4%Decision denial rate+5.59 pts vs state
39.1%Origination rate-18.74 pts vs state
6.00%Median rate-0.50 pts vs state
-0.31Rate spread (pts)-0.40 pts vs state
$162kMedian applicant income
59Loans originated
25Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 25 | 15.1% | 6.63% | #359 |
| 2024 | 98 | 50 | 12.2% | 6.56% | #301 |
| 2025 | 151 | 59 | 16.6% | 6.00% | #268 |
What American Internet 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 American Internet Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 35 | 16 | 3 | 8.6% |
| Mecklenburg County | 18 | 6 | 4 | 22.2% |
| Forsyth County | 10 | 6 | 1 | 10.0% |
| Guilford County | 8 | 1 | 2 | 25.0% |
| Buncombe County | 7 | 5 | 1 | 14.3% |
| New Hanover County | 6 | 1 | 2 | 33.3% |
| Cabarrus County | 5 | 1 | 2 | 40.0% |
| Union County | 5 | 2 | 1 | 20.0% |
| Gaston County | 5 | 2 | 2 | 40.0% |
| Orange County | 3 | 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: 151 applications in 2025, of which 59 were originated and 25 denied.
16.6% of all applications, or 28.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans American Internet Mortgage originated in North Carolina in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are American Internet 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