Direct Mortgage in North Carolina vs the state
14.3%Denial rate-3.77 pts vs state
14.3%Decision denial rate-8.53 pts vs state
85.7%Origination rate+27.90 pts vs state
7.19%Median rate+0.69 pts vs state
—Rate spread (pts)
$73kMedian applicant income
6Loans originated
1Denied
What Direct 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 Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 2 | 2 | 0 | 0.0% |
| Guilford County | 1 | 0 | 1 | 100.0% |
| Gaston County | 1 | 1 | 0 | 0.0% |
| Union County | 1 | 1 | 0 | 0.0% |
| Iredell County | 1 | 1 | 0 | 0.0% |
| Hoke County | 1 | 1 | 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: 7 applications in 2025, of which 6 were originated and 1 denied.
14.3% of all applications, or 14.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Direct Mortgage originated in North Carolina in 2025 was 7.19%, against a statewide median of 6.50%.
About this data. Figures are Direct 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