Nations Direct Mortgage in North Carolina vs the state
14.9%Denial rate-3.13 pts vs state
20.4%Decision denial rate-2.41 pts vs state
58.2%Origination rate+0.40 pts vs state
7.12%Median rate+0.62 pts vs state
1.19Rate spread (pts)+1.10 pts vs state
$105kMedian applicant income
39Loans originated
10Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 39 | 15.8% | 6.75% | #318 |
| 2024 | 51 | 32 | 13.7% | 7.13% | #382 |
| 2025 | 67 | 39 | 14.9% | 7.12% | #361 |
What Nations Direct 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 Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gaston County | 7 | 2 | 1 | 14.3% |
| New Hanover County | 6 | 4 | 0 | 0.0% |
| Guilford County | 6 | 2 | 0 | 0.0% |
| Duplin County | 5 | 4 | 0 | 0.0% |
| Johnston County | 4 | 3 | 1 | 25.0% |
| Cabarrus County | 4 | 3 | 0 | 0.0% |
| Mecklenburg County | 4 | 3 | 0 | 0.0% |
| Moore County | 3 | 2 | 0 | 0.0% |
| Harnett County | 3 | 1 | 2 | 66.7% |
| Onslow County | 3 | 0 | 3 | 100.0% |
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: 67 applications in 2025, of which 39 were originated and 10 denied.
14.9% of all applications, or 20.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Nations Direct Mortgage originated in North Carolina in 2025 was 7.12%, against a statewide median of 6.50%.
About this data. Figures are Nations Direct 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