American Security Mortgage in North Carolina vs the state
0.8%Denial rate-17.24 pts vs state
1.0%Decision denial rate-21.80 pts vs state
76.2%Origination rate+18.34 pts vs state
6.38%Median rate-0.13 pts vs state
0.04Rate spread (pts)-0.05 pts vs state
$135kMedian applicant income
2,599Loans originated
28Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,986 | 2,199 | 3.5% | 6.50% | #28 |
| 2024 | 3,477 | 2,706 | 1.0% | 6.63% | #31 |
| 2025 | 3,413 | 2,599 | 0.8% | 6.38% | #33 |
What American Security 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 Security Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 1,054 | 804 | 6 | 0.6% |
| Wake County | 284 | 236 | 2 | 0.7% |
| Gaston County | 187 | 150 | 0 | 0.0% |
| Cumberland County | 155 | 85 | 3 | 1.9% |
| Johnston County | 146 | 111 | 5 | 3.4% |
| Union County | 145 | 117 | 0 | 0.0% |
| Durham County | 138 | 115 | 0 | 0.0% |
| Cabarrus County | 110 | 81 | 2 | 1.8% |
| Pitt County | 101 | 66 | 1 | 1.0% |
| Iredell County | 84 | 67 | 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: 3,413 applications in 2025, of which 2,599 were originated and 28 denied.
0.8% of all applications, or 1.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans American Security Mortgage originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are American Security 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