Home Mortgage Alliance Corporation (HMAC) in North Carolina vs the state
15.6%Denial rate-2.43 pts vs state
29.4%Decision denial rate+6.59 pts vs state
37.5%Origination rate-20.31 pts vs state
7.38%Median rate+0.88 pts vs state
1.32Rate spread (pts)+1.23 pts vs state
$116kMedian applicant income
12Loans originated
5Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 4 | 18.8% | 7.38% | #434 |
| 2024 | 46 | 20 | 6.5% | 7.63% | #401 |
| 2025 | 32 | 12 | 15.6% | 7.38% | #463 |
What Home Mortgage Alliance Corporation (HMAC) lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 6 | 3 | 1 | 16.7% |
| Cumberland County | 5 | 1 | 1 | 20.0% |
| Wake County | 4 | 1 | 0 | 0.0% |
| Catawba County | 2 | 0 | 0 | 0.0% |
| Alamance County | 2 | 1 | 0 | 0.0% |
| Davidson County | 2 | 0 | 2 | 100.0% |
| Guilford County | 2 | 2 | 0 | 0.0% |
| Durham County | 2 | 2 | 0 | 0.0% |
| Stanly County | 1 | 0 | 0 | 0.0% |
| Granville County | 1 | 1 | 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: 32 applications in 2025, of which 12 were originated and 5 denied.
15.6% of all applications, or 29.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in North Carolina in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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