NVR Mortgage Finance in North Carolina vs the state
17.2%Denial rate-0.87 pts vs state
19.6%Decision denial rate-3.22 pts vs state
70.5%Origination rate+12.67 pts vs state
6.13%Median rate-0.38 pts vs state
0.00Rate spread (pts)-0.08 pts vs state
$98kMedian applicant income
1,829Loans originated
446Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,105 | 1,620 | 15.2% | 5.99% | #39 |
| 2024 | 2,727 | 2,060 | 16.0% | 6.25% | #37 |
| 2025 | 2,595 | 1,829 | 17.2% | 6.13% | #38 |
What NVR Mortgage Finance lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most NVR Mortgage Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 494 | 372 | 72 | 14.6% |
| Mecklenburg County | 420 | 281 | 90 | 21.4% |
| Brunswick County | 387 | 263 | 52 | 13.4% |
| Pasquotank County | 191 | 114 | 52 | 27.2% |
| Cabarrus County | 179 | 121 | 44 | 24.6% |
| Union County | 168 | 138 | 19 | 11.3% |
| Currituck County | 141 | 95 | 14 | 9.9% |
| Harnett County | 93 | 69 | 15 | 16.1% |
| Durham County | 76 | 65 | 5 | 6.6% |
| Lee County | 68 | 53 | 9 | 13.2% |
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: 2,595 applications in 2025, of which 1,829 were originated and 446 denied.
17.2% of all applications, or 19.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans NVR Mortgage Finance originated in North Carolina in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are NVR Mortgage Finance'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