Homexpress Mortgage in North Carolina vs the state
40.2%Denial rate+22.18 pts vs state
40.6%Decision denial rate+17.78 pts vs state
58.3%Origination rate+0.47 pts vs state
7.63%Median rate+1.13 pts vs state
1.40Rate spread (pts)+1.31 pts vs state
$192kMedian applicant income
197Loans originated
136Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 156 | 74 | 50.0% | 8.75% | #226 |
| 2024 | 263 | 131 | 47.2% | 8.00% | #191 |
| 2025 | 338 | 197 | 40.2% | 7.63% | #177 |
What Homexpress 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 Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 42 | 26 | 15 | 35.7% |
| Cumberland County | 25 | 11 | 14 | 56.0% |
| Wake County | 21 | 13 | 7 | 33.3% |
| Guilford County | 15 | 7 | 7 | 46.7% |
| Alamance County | 13 | 11 | 2 | 15.4% |
| New Hanover County | 12 | 10 | 2 | 16.7% |
| Iredell County | 9 | 5 | 3 | 33.3% |
| Durham County | 9 | 4 | 5 | 55.6% |
| Rowan County | 9 | 8 | 1 | 11.1% |
| Gaston County | 9 | 7 | 2 | 22.2% |
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: 338 applications in 2025, of which 197 were originated and 136 denied.
40.2% of all applications, or 40.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Homexpress Mortgage originated in North Carolina in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are Homexpress 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