Mattamy Home Funding in North Carolina vs the state
6.8%Denial rate-11.22 pts vs state
7.3%Decision denial rate-15.57 pts vs state
87.5%Origination rate+29.73 pts vs state
5.50%Median rate-1.00 pts vs state
-0.79Rate spread (pts)-0.88 pts vs state
$127kMedian applicant income
576Loans originated
45Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 962 | 741 | 4.5% | 5.99% | #81 |
| 2024 | 659 | 542 | 3.3% | 6.00% | #106 |
| 2025 | 658 | 576 | 6.8% | 5.50% | #117 |
What Mattamy Home Funding lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Mattamy Home Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 235 | 193 | 23 | 9.8% |
| Mecklenburg County | 177 | 165 | 8 | 4.5% |
| Union County | 91 | 81 | 5 | 5.5% |
| Harnett County | 69 | 64 | 3 | 4.3% |
| Johnston County | 53 | 44 | 4 | 7.5% |
| Cabarrus County | 32 | 28 | 2 | 6.3% |
| Gaston 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: 658 applications in 2025, of which 576 were originated and 45 denied.
6.8% of all applications, or 7.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Mattamy Home Funding originated in North Carolina in 2025 was 5.50%, against a statewide median of 6.50%.
About this data. Figures are Mattamy Home Funding'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