Mld Mortgage in North Carolina vs the state
3.0%Denial rate-15.03 pts vs state
3.5%Decision denial rate-19.37 pts vs state
81.8%Origination rate+24.01 pts vs state
6.19%Median rate-0.31 pts vs state
0.05Rate spread (pts)-0.04 pts vs state
$108kMedian applicant income
54Loans originated
2Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 29 | 5.3% | 6.13% | #410 |
| 2024 | 28 | 20 | 0.0% | 6.50% | #463 |
| 2025 | 66 | 54 | 3.0% | 6.19% | #362 |
What Mld 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 Mld Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 14 | 12 | 0 | 0.0% |
| Randolph County | 10 | 6 | 0 | 0.0% |
| Wake County | 9 | 7 | 0 | 0.0% |
| Forsyth County | 6 | 6 | 0 | 0.0% |
| Guilford County | 5 | 4 | 1 | 20.0% |
| Craven County | 5 | 5 | 0 | 0.0% |
| Davidson County | 2 | 0 | 1 | 50.0% |
| Moore County | 2 | 2 | 0 | 0.0% |
| Brunswick County | 2 | 2 | 0 | 0.0% |
| Yadkin County | 2 | 2 | 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: 66 applications in 2025, of which 54 were originated and 2 denied.
3.0% of all applications, or 3.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Mld Mortgage originated in North Carolina in 2025 was 6.19%, against a statewide median of 6.50%.
About this data. Figures are Mld 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