Sente Mortgage in North Carolina vs the state
10.0%Denial rate-8.06 pts vs state
25.0%Decision denial rate+2.18 pts vs state
30.0%Origination rate-27.81 pts vs state
6.81%Median rate+0.31 pts vs state
1.12Rate spread (pts)+1.03 pts vs state
$90kMedian applicant income
12Loans originated
4Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 12 | 6 | 8.3% | 6.75% | #588 |
| 2025 | 40 | 12 | 10.0% | 6.81% | #427 |
What Sente 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 Sente Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 8 | 1 | 0 | 0.0% |
| Guilford County | 6 | 0 | 0 | 0.0% |
| Wake County | 2 | 1 | 0 | 0.0% |
| Cumberland County | 2 | 1 | 0 | 0.0% |
| Brunswick County | 2 | 1 | 0 | 0.0% |
| Catawba County | 1 | 0 | 1 | 100.0% |
| Rockingham County | 1 | 0 | 0 | 0.0% |
| New Hanover County | 1 | 1 | 0 | 0.0% |
| Northampton County | 1 | 1 | 0 | 0.0% |
| Person County | 1 | 0 | 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: 40 applications in 2025, of which 12 were originated and 4 denied.
10.0% of all applications, or 25.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Sente Mortgage originated in North Carolina in 2025 was 6.81%, against a statewide median of 6.50%.
About this data. Figures are Sente 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