Rocket Mortgage in North Carolina vs the state
16.0%Denial rate-2.04 pts vs state
17.4%Decision denial rate-5.47 pts vs state
73.5%Origination rate+15.72 pts vs state
6.63%Median rate+0.13 pts vs state
0.48Rate spread (pts)+0.40 pts vs state
$94kMedian applicant income
18,462Loans originated
4,023Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17,139 | 12,647 | 15.2% | 6.63% | #2 |
| 2024 | 21,324 | 16,145 | 14.6% | 6.63% | #2 |
| 2025 | 25,109 | 18,462 | 16.0% | 6.63% | #2 |
What Rocket 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 Rocket Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 2,737 | 2,065 | 408 | 14.9% |
| Wake County | 2,195 | 1,652 | 269 | 12.3% |
| Guilford County | 1,046 | 798 | 165 | 15.8% |
| Forsyth County | 878 | 643 | 147 | 16.7% |
| Union County | 812 | 635 | 106 | 13.1% |
| Gaston County | 775 | 574 | 116 | 15.0% |
| Cumberland County | 748 | 542 | 114 | 15.2% |
| Cabarrus County | 737 | 548 | 110 | 14.9% |
| Brunswick County | 680 | 505 | 84 | 12.4% |
| Johnston County | 637 | 476 | 97 | 15.2% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| 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% |
| Freedom Mortgage | B | 9,632 | 7.1% | 6.13% |
Frequently asked questions
North Carolina: 25,109 applications in 2025, of which 18,462 were originated and 4,023 denied.
16.0% of all applications, or 17.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Rocket Mortgage originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Rocket 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