LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in North Carolina vs the state
5.8%Denial rate-12.29 pts vs state
9.4%Decision denial rate-13.44 pts vs state
47.0%Origination rate-10.77 pts vs state
6.12%Median rate-0.38 pts vs state
-0.27Rate spread (pts)-0.36 pts vs state
$171kMedian applicant income
318Loans originated
39Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 20 | 5.3% | 6.19% | #351 |
| 2024 | 262 | 122 | 3.8% | 6.37% | #194 |
| 2025 | 676 | 318 | 5.8% | 6.12% | #114 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 141 | 66 | 4 | 2.8% |
| Wake County | 132 | 60 | 4 | 3.0% |
| Union County | 40 | 22 | 2 | 5.0% |
| Durham County | 35 | 13 | 0 | 0.0% |
| Cabarrus County | 32 | 18 | 0 | 0.0% |
| Buncombe County | 30 | 11 | 3 | 10.0% |
| Gaston County | 21 | 10 | 1 | 4.8% |
| Forsyth County | 20 | 8 | 2 | 10.0% |
| Guilford County | 18 | 5 | 2 | 11.1% |
| Brunswick County | 17 | 12 | 2 | 11.8% |
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: 676 applications in 2025, of which 318 were originated and 39 denied.
5.8% of all applications, or 9.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in North Carolina in 2025 was 6.12%, against a statewide median of 6.50%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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