Residential Wholesale Mortgage in North Carolina vs the state
1.8%Denial rate-16.25 pts vs state
2.8%Decision denial rate-19.99 pts vs state
61.5%Origination rate+3.64 pts vs state
6.49%Median rate-0.01 pts vs state
0.13Rate spread (pts)+0.05 pts vs state
$120kMedian applicant income
102Loans originated
3Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 85 | 57 | 0.0% | 6.13% | #321 |
| 2025 | 166 | 102 | 1.8% | 6.49% | #254 |
What Residential Wholesale 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 Residential Wholesale Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onslow County | 29 | 17 | 1 | 3.4% |
| Mecklenburg County | 26 | 13 | 0 | 0.0% |
| Moore County | 17 | 9 | 0 | 0.0% |
| Gaston County | 16 | 9 | 1 | 6.3% |
| Union County | 11 | 6 | 0 | 0.0% |
| Cabarrus County | 8 | 5 | 0 | 0.0% |
| Cumberland County | 7 | 5 | 1 | 14.3% |
| Wake County | 6 | 5 | 0 | 0.0% |
| Pender County | 5 | 3 | 0 | 0.0% |
| Johnston County | 4 | 3 | 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: 166 applications in 2025, of which 102 were originated and 3 denied.
1.8% of all applications, or 2.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Residential Wholesale Mortgage originated in North Carolina in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Residential Wholesale 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