Carrington Mortgage Services in North Carolina vs the state
40.7%Denial rate+22.60 pts vs state
50.9%Decision denial rate+28.04 pts vs state
32.1%Origination rate-25.73 pts vs state
6.50%Median rate0.00 pts vs state
0.57Rate spread (pts)+0.48 pts vs state
$77kMedian applicant income
680Loans originated
862Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,041 | 554 | 50.1% | 6.50% | #41 |
| 2024 | 1,975 | 618 | 41.8% | 6.63% | #47 |
| 2025 | 2,120 | 680 | 40.7% | 6.50% | #50 |
What Carrington Mortgage Services lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Carrington Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 195 | 56 | 79 | 40.5% |
| Wake County | 170 | 49 | 70 | 41.2% |
| Cumberland County | 168 | 38 | 74 | 44.0% |
| Guilford County | 94 | 29 | 48 | 51.1% |
| Onslow County | 82 | 28 | 34 | 41.5% |
| Forsyth County | 77 | 25 | 26 | 33.8% |
| Johnston County | 66 | 24 | 25 | 37.9% |
| Harnett County | 54 | 18 | 28 | 51.9% |
| Union County | 49 | 17 | 21 | 42.9% |
| Durham County | 48 | 12 | 22 | 45.8% |
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: 2,120 applications in 2025, of which 680 were originated and 862 denied.
40.7% of all applications, or 50.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Carrington Mortgage Services originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Carrington Mortgage Services'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