Nationstar Mortgage in North Carolina vs the state
13.0%Denial rate-5.03 pts vs state
15.5%Decision denial rate-7.28 pts vs state
69.0%Origination rate+11.21 pts vs state
7.25%Median rate+0.75 pts vs state
1.29Rate spread (pts)+1.20 pts vs state
$97kMedian applicant income
1,949Loans originated
368Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,964 | 1,324 | 13.1% | 6.38% | #45 |
| 2024 | 2,393 | 1,591 | 13.5% | 7.13% | #40 |
| 2025 | 2,824 | 1,949 | 13.0% | 7.25% | #35 |
What Nationstar 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 Nationstar Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 282 | 197 | 33 | 11.7% |
| Wake County | 268 | 187 | 30 | 11.2% |
| Cumberland County | 160 | 110 | 19 | 11.9% |
| Guilford County | 158 | 101 | 29 | 18.4% |
| Forsyth County | 111 | 82 | 10 | 9.0% |
| Union County | 105 | 70 | 11 | 10.5% |
| Durham County | 85 | 60 | 8 | 9.4% |
| Brunswick County | 81 | 62 | 3 | 3.7% |
| Johnston County | 77 | 52 | 12 | 15.6% |
| Onslow County | 70 | 49 | 5 | 7.1% |
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: 2,824 applications in 2025, of which 1,949 were originated and 368 denied.
13.0% of all applications, or 15.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Nationstar Mortgage originated in North Carolina in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Nationstar 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