General Mortgage Capital in North Carolina vs the state
2.4%Denial rate-15.62 pts vs state
2.7%Decision denial rate-20.16 pts vs state
88.1%Origination rate+30.30 pts vs state
6.50%Median rate0.00 pts vs state
-0.06Rate spread (pts)-0.15 pts vs state
$179kMedian applicant income
289Loans originated
8Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 102 | 0.0% | 6.88% | #265 |
| 2024 | 324 | 279 | 1.2% | 6.75% | #170 |
| 2025 | 328 | 289 | 2.4% | 6.50% | #183 |
What General Mortgage Capital lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most General Mortgage Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 136 | 116 | 2 | 1.5% |
| Durham County | 45 | 41 | 0 | 0.0% |
| Mecklenburg County | 37 | 37 | 0 | 0.0% |
| Union County | 19 | 16 | 0 | 0.0% |
| Guilford County | 17 | 15 | 1 | 5.9% |
| Orange County | 12 | 12 | 0 | 0.0% |
| New Hanover County | 7 | 6 | 0 | 0.0% |
| Harnett County | 6 | 6 | 0 | 0.0% |
| Alamance County | 6 | 6 | 0 | 0.0% |
| Cumberland County | 6 | 5 | 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: 328 applications in 2025, of which 289 were originated and 8 denied.
2.4% of all applications, or 2.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans General Mortgage Capital originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are General Mortgage Capital'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