Pulte Mortgage in North Carolina vs the state
7.6%Denial rate-10.49 pts vs state
8.8%Decision denial rate-14.04 pts vs state
78.5%Origination rate+20.69 pts vs state
5.75%Median rate-0.75 pts vs state
-0.36Rate spread (pts)-0.44 pts vs state
$142kMedian applicant income
1,555Loans originated
150Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,759 | 1,414 | 6.2% | 6.13% | #50 |
| 2024 | 1,633 | 1,314 | 5.6% | 6.50% | #53 |
| 2025 | 1,981 | 1,555 | 7.6% | 5.75% | #54 |
What Pulte 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 Pulte Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 650 | 542 | 36 | 5.5% |
| Mecklenburg County | 349 | 279 | 29 | 8.3% |
| Durham County | 291 | 237 | 29 | 10.0% |
| Brunswick County | 163 | 116 | 14 | 8.6% |
| Union County | 121 | 87 | 12 | 9.9% |
| Gaston County | 118 | 84 | 1 | 0.8% |
| Johnston County | 94 | 67 | 5 | 5.3% |
| New Hanover County | 70 | 55 | 4 | 5.7% |
| Cabarrus County | 62 | 47 | 8 | 12.9% |
| Chatham County | 32 | 23 | 0 | 0.0% |
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: 1,981 applications in 2025, of which 1,555 were originated and 150 denied.
7.6% of all applications, or 8.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Pulte Mortgage originated in North Carolina in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Pulte 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