Plaza Home Mortgage in North Carolina vs the state
23.6%Denial rate+5.55 pts vs state
26.4%Decision denial rate+3.60 pts vs state
63.7%Origination rate+5.85 pts vs state
6.49%Median rate-0.01 pts vs state
0.10Rate spread (pts)+0.01 pts vs state
$91kMedian applicant income
515Loans originated
191Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 451 | 294 | 10.2% | 6.63% | #124 |
| 2024 | 759 | 460 | 22.0% | 6.63% | #93 |
| 2025 | 809 | 515 | 23.6% | 6.49% | #98 |
What Plaza Home 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 Plaza Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onslow County | 106 | 95 | 8 | 7.5% |
| Mecklenburg County | 76 | 40 | 20 | 26.3% |
| Cumberland County | 48 | 32 | 11 | 22.9% |
| Guilford County | 48 | 26 | 12 | 25.0% |
| Wake County | 43 | 23 | 13 | 30.2% |
| Forsyth County | 34 | 27 | 5 | 14.7% |
| Cabarrus County | 25 | 15 | 8 | 32.0% |
| Union County | 25 | 16 | 6 | 24.0% |
| Gaston County | 20 | 10 | 6 | 30.0% |
| Macon County | 20 | 14 | 3 | 15.0% |
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: 809 applications in 2025, of which 515 were originated and 191 denied.
23.6% of all applications, or 26.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Plaza Home Mortgage originated in North Carolina in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Plaza Home 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