Dhi Mortgage Company in North Carolina vs the state
13.8%Denial rate-4.27 pts vs state
16.4%Decision denial rate-6.43 pts vs state
69.7%Origination rate+11.85 pts vs state
5.13%Median rate-1.38 pts vs state
-1.13Rate spread (pts)-1.21 pts vs state
$98kMedian applicant income
5,258Loans originated
1,041Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,804 | 3,724 | 8.2% | 5.50% | #22 |
| 2024 | 6,493 | 4,830 | 11.2% | 5.50% | #16 |
| 2025 | 7,548 | 5,258 | 13.8% | 5.13% | #14 |
What Dhi Mortgage Company lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Dhi Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brunswick County | 807 | 528 | 123 | 15.2% |
| Wake County | 637 | 452 | 92 | 14.4% |
| Alamance County | 433 | 306 | 61 | 14.1% |
| Catawba County | 375 | 280 | 36 | 9.6% |
| Guilford County | 366 | 253 | 62 | 16.9% |
| Iredell County | 351 | 261 | 37 | 10.5% |
| Davidson County | 305 | 194 | 55 | 18.0% |
| Mecklenburg County | 284 | 196 | 32 | 11.3% |
| Henderson County | 270 | 202 | 17 | 6.3% |
| Harnett County | 261 | 179 | 48 | 18.4% |
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: 7,548 applications in 2025, of which 5,258 were originated and 1,041 denied.
13.8% of all applications, or 16.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Dhi Mortgage Company originated in North Carolina in 2025 was 5.13%, against a statewide median of 6.50%.
About this data. Figures are Dhi Mortgage Company'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