Guaranteed Rate Affinity in North Carolina vs the state
3.5%Denial rate-14.58 pts vs state
5.0%Decision denial rate-17.80 pts vs state
63.4%Origination rate+5.56 pts vs state
6.58%Median rate+0.08 pts vs state
0.20Rate spread (pts)+0.11 pts vs state
$128kMedian applicant income
237Loans originated
13Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 285 | 184 | 3.2% | 6.63% | #160 |
| 2024 | 316 | 218 | 2.9% | 6.84% | #175 |
| 2025 | 374 | 237 | 3.5% | 6.58% | #166 |
What Guaranteed Rate Affinity lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 103 | 57 | 7 | 6.8% |
| Iredell County | 41 | 25 | 4 | 9.8% |
| Union County | 32 | 22 | 0 | 0.0% |
| Gaston County | 22 | 9 | 0 | 0.0% |
| Cabarrus County | 17 | 13 | 0 | 0.0% |
| Rowan County | 16 | 15 | 0 | 0.0% |
| Lincoln County | 15 | 8 | 0 | 0.0% |
| Brunswick County | 13 | 7 | 1 | 7.7% |
| Catawba County | 12 | 10 | 0 | 0.0% |
| Wake County | 9 | 7 | 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: 374 applications in 2025, of which 237 were originated and 13 denied.
3.5% of all applications, or 5.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Guaranteed Rate Affinity originated in North Carolina in 2025 was 6.58%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate Affinity'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