Guaranteed Rate in North Carolina vs the state
5.5%Denial rate-12.59 pts vs state
9.0%Decision denial rate-13.82 pts vs state
53.9%Origination rate-3.95 pts vs state
6.53%Median rate+0.03 pts vs state
0.18Rate spread (pts)+0.09 pts vs state
$107kMedian applicant income
2,491Loans originated
253Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,472 | 2,437 | 3.9% | 6.50% | #24 |
| 2024 | 3,997 | 2,611 | 5.6% | 6.63% | #27 |
| 2025 | 4,625 | 2,491 | 5.5% | 6.53% | #24 |
What Guaranteed Rate 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 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 371 | 178 | 11 | 3.0% |
| Guilford County | 320 | 207 | 14 | 4.4% |
| Craven County | 300 | 188 | 16 | 5.3% |
| Cumberland County | 286 | 169 | 16 | 5.6% |
| Mecklenburg County | 275 | 113 | 16 | 5.8% |
| New Hanover County | 269 | 150 | 12 | 4.5% |
| Brunswick County | 220 | 138 | 8 | 3.6% |
| Buncombe County | 172 | 86 | 8 | 4.7% |
| Forsyth County | 165 | 103 | 9 | 5.5% |
| Onslow County | 160 | 98 | 5 | 3.1% |
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: 4,625 applications in 2025, of which 2,491 were originated and 253 denied.
5.5% of all applications, or 9.0% 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 originated in North Carolina in 2025 was 6.53%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate'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