Movement Mortgage in North Carolina vs the state
2.6%Denial rate-15.49 pts vs state
3.0%Decision denial rate-19.85 pts vs state
73.4%Origination rate+15.56 pts vs state
6.63%Median rate+0.13 pts vs state
0.28Rate spread (pts)+0.19 pts vs state
$108kMedian applicant income
8,138Loans originated
285Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11,549 | 8,512 | 2.4% | 6.75% | #6 |
| 2024 | 11,220 | 8,310 | 2.2% | 6.75% | #7 |
| 2025 | 11,091 | 8,138 | 2.6% | 6.63% | #6 |
What Movement 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 Movement Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 1,279 | 924 | 31 | 2.4% |
| Wake County | 861 | 609 | 13 | 1.5% |
| Buncombe County | 571 | 403 | 19 | 3.3% |
| Guilford County | 513 | 387 | 18 | 3.5% |
| Union County | 488 | 374 | 10 | 2.0% |
| Iredell County | 454 | 341 | 6 | 1.3% |
| Onslow County | 452 | 351 | 9 | 2.0% |
| Forsyth County | 371 | 289 | 8 | 2.2% |
| Gaston County | 359 | 262 | 12 | 3.3% |
| Cumberland County | 343 | 247 | 9 | 2.6% |
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% |
| 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% |
| Freedom Mortgage | B | 9,632 | 7.1% | 6.13% |
Frequently asked questions
North Carolina: 11,091 applications in 2025, of which 8,138 were originated and 285 denied.
2.6% of all applications, or 3.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Movement Mortgage originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Movement 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