AMWEST Funding in North Carolina vs the state
7.0%Denial rate-11.03 pts vs state
10.0%Decision denial rate-12.86 pts vs state
63.6%Origination rate+5.80 pts vs state
6.88%Median rate+0.38 pts vs state
0.66Rate spread (pts)+0.57 pts vs state
$150kMedian applicant income
208Loans originated
23Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 185 | 111 | 4.9% | 8.38% | #200 |
| 2024 | 186 | 101 | 5.4% | 7.50% | #221 |
| 2025 | 327 | 208 | 7.0% | 6.88% | #185 |
What AMWEST Funding lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most AMWEST Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 88 | 59 | 6 | 6.8% |
| Mecklenburg County | 52 | 38 | 5 | 9.6% |
| Guilford County | 20 | 10 | 0 | 0.0% |
| Union County | 14 | 8 | 0 | 0.0% |
| Cumberland County | 14 | 6 | 1 | 7.1% |
| New Hanover County | 12 | 11 | 0 | 0.0% |
| Brunswick County | 11 | 9 | 0 | 0.0% |
| Pasquotank County | 10 | 1 | 9 | 90.0% |
| Forsyth County | 7 | 5 | 0 | 0.0% |
| Iredell 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: 327 applications in 2025, of which 208 were originated and 23 denied.
7.0% 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 AMWEST Funding originated in North Carolina in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are AMWEST Funding'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