Royal United Mortgage in North Carolina vs the state
20.0%Denial rate+1.94 pts vs state
24.1%Decision denial rate+1.32 pts vs state
60.7%Origination rate+2.90 pts vs state
7.00%Median rate+0.50 pts vs state
1.21Rate spread (pts)+1.12 pts vs state
$44kMedian applicant income
170Loans originated
56Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 342 | 205 | 24.3% | 7.13% | #144 |
| 2024 | 281 | 183 | 20.6% | 7.00% | #184 |
| 2025 | 280 | 170 | 20.0% | 7.00% | #202 |
What Royal United 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 Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Guilford County | 18 | 13 | 0 | 0.0% |
| Cumberland County | 17 | 8 | 5 | 29.4% |
| Gaston County | 14 | 7 | 5 | 35.7% |
| Mecklenburg County | 11 | 7 | 2 | 18.2% |
| Forsyth County | 10 | 7 | 2 | 20.0% |
| Cabarrus County | 10 | 7 | 0 | 0.0% |
| Wake County | 9 | 6 | 2 | 22.2% |
| Catawba County | 8 | 4 | 2 | 25.0% |
| Davidson County | 7 | 6 | 0 | 0.0% |
| Rockingham County | 7 | 6 | 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: 280 applications in 2025, of which 170 were originated and 56 denied.
20.0% of all applications, or 24.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Royal United Mortgage originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Royal United 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