Guild Mortgage in North Carolina vs the state
3.0%Denial rate-15.04 pts vs state
3.6%Decision denial rate-19.21 pts vs state
72.2%Origination rate+14.38 pts vs state
6.50%Median rate0.00 pts vs state
0.22Rate spread (pts)+0.14 pts vs state
$91kMedian applicant income
1,957Loans originated
82Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,148 | 800 | 3.3% | 6.88% | #73 |
| 2024 | 2,262 | 1,607 | 2.7% | 6.63% | #42 |
| 2025 | 2,711 | 1,957 | 3.0% | 6.50% | #37 |
What Guild 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 Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onslow County | 413 | 322 | 5 | 1.2% |
| Mecklenburg County | 244 | 163 | 13 | 5.3% |
| Cumberland County | 155 | 118 | 4 | 2.6% |
| Wake County | 140 | 112 | 3 | 2.1% |
| Gaston County | 132 | 98 | 4 | 3.0% |
| Guilford County | 129 | 75 | 7 | 5.4% |
| Harnett County | 81 | 51 | 2 | 2.5% |
| Catawba County | 80 | 51 | 2 | 2.5% |
| Iredell County | 76 | 52 | 2 | 2.6% |
| Cabarrus County | 71 | 49 | 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: 2,711 applications in 2025, of which 1,957 were originated and 82 denied.
3.0% of all applications, or 3.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Guild Mortgage originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Guild 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