Equity Prime Mortgage in North Carolina vs the state
9.4%Denial rate-8.68 pts vs state
19.3%Decision denial rate-3.49 pts vs state
38.8%Origination rate-19.05 pts vs state
6.63%Median rate+0.13 pts vs state
0.17Rate spread (pts)+0.09 pts vs state
$80kMedian applicant income
500Loans originated
121Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 339 | 184 | 4.7% | 6.75% | #145 |
| 2024 | 535 | 305 | 3.2% | 6.75% | #121 |
| 2025 | 1,290 | 500 | 9.4% | 6.63% | #73 |
What Equity Prime 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 Equity Prime Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 110 | 37 | 17 | 15.5% |
| Mecklenburg County | 97 | 33 | 3 | 3.1% |
| Wake County | 62 | 26 | 5 | 8.1% |
| Guilford County | 59 | 21 | 5 | 8.5% |
| Onslow County | 50 | 21 | 5 | 10.0% |
| Forsyth County | 38 | 16 | 3 | 7.9% |
| Johnston County | 36 | 9 | 5 | 13.9% |
| Gaston County | 30 | 13 | 3 | 10.0% |
| Randolph County | 30 | 12 | 5 | 16.7% |
| Harnett County | 29 | 11 | 3 | 10.3% |
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: 1,290 applications in 2025, of which 500 were originated and 121 denied.
9.4% of all applications, or 19.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Equity Prime Mortgage originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Equity Prime 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