Guidance Residential in North Carolina vs the state
2.7%Denial rate-15.41 pts vs state
3.5%Decision denial rate-19.33 pts vs state
72.6%Origination rate+14.76 pts vs state
6.69%Median rate+0.19 pts vs state
0.24Rate spread (pts)+0.15 pts vs state
$138kMedian applicant income
82Loans originated
3Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 44 | 5.2% | 7.25% | #317 |
| 2024 | 93 | 56 | 7.5% | 7.13% | #308 |
| 2025 | 113 | 82 | 2.7% | 6.69% | #302 |
What Guidance Residential lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 47 | 36 | 2 | 4.3% |
| Mecklenburg County | 14 | 9 | 0 | 0.0% |
| Guilford County | 13 | 9 | 0 | 0.0% |
| Cabarrus County | 8 | 6 | 0 | 0.0% |
| Durham County | 8 | 6 | 1 | 12.5% |
| Johnston County | 4 | 2 | 0 | 0.0% |
| Harnett County | 4 | 3 | 0 | 0.0% |
| Forsyth County | 3 | 2 | 0 | 0.0% |
| Pitt County | 2 | 1 | 0 | 0.0% |
| Alamance County | 2 | 2 | 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: 113 applications in 2025, of which 82 were originated and 3 denied.
2.7% of all applications, or 3.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Guidance Residential originated in North Carolina in 2025 was 6.69%, against a statewide median of 6.50%.
About this data. Figures are Guidance Residential'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