American Pacific Mortgage in North Carolina vs the state
7.9%Denial rate-10.16 pts vs state
10.0%Decision denial rate-12.82 pts vs state
71.1%Origination rate+13.32 pts vs state
6.63%Median rate+0.13 pts vs state
0.58Rate spread (pts)+0.49 pts vs state
$97kMedian applicant income
207Loans originated
23Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 210 | 132 | 7.6% | 6.75% | #187 |
| 2024 | 91 | 66 | 7.7% | 6.75% | #310 |
| 2025 | 291 | 207 | 7.9% | 6.63% | #198 |
What American Pacific 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 Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cleveland County | 43 | 28 | 3 | 7.0% |
| Brunswick County | 22 | 17 | 3 | 13.6% |
| Wake County | 22 | 17 | 2 | 9.1% |
| Gaston County | 13 | 10 | 1 | 7.7% |
| Mecklenburg County | 11 | 4 | 3 | 27.3% |
| New Hanover County | 9 | 8 | 0 | 0.0% |
| Iredell County | 8 | 6 | 0 | 0.0% |
| Buncombe County | 7 | 3 | 1 | 14.3% |
| Robeson County | 7 | 4 | 0 | 0.0% |
| Forsyth County | 7 | 6 | 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: 291 applications in 2025, of which 207 were originated and 23 denied.
7.9% of all applications, or 10.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans American Pacific Mortgage originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are American Pacific 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