Sierra Pacific Mortgage Company in North Carolina vs the state
5.5%Denial rate-12.61 pts vs state
7.2%Decision denial rate-15.59 pts vs state
65.5%Origination rate+7.64 pts vs state
6.63%Median rate+0.13 pts vs state
0.22Rate spread (pts)+0.13 pts vs state
$120kMedian applicant income
72Loans originated
6Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 115 | 89 | 13.0% | 6.75% | #270 |
| 2024 | 59 | 39 | 20.3% | 6.63% | #364 |
| 2025 | 110 | 72 | 5.5% | 6.63% | #311 |
What Sierra Pacific Mortgage Company lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Craven County | 15 | 9 | 0 | 0.0% |
| Mecklenburg County | 13 | 6 | 0 | 0.0% |
| Wake County | 10 | 10 | 0 | 0.0% |
| Cleveland County | 8 | 5 | 0 | 0.0% |
| Gaston County | 7 | 6 | 0 | 0.0% |
| Union County | 6 | 6 | 0 | 0.0% |
| Guilford County | 4 | 3 | 0 | 0.0% |
| Brunswick County | 4 | 1 | 0 | 0.0% |
| Iredell County | 3 | 1 | 0 | 0.0% |
| Buncombe County | 3 | 2 | 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: 110 applications in 2025, of which 72 were originated and 6 denied.
5.5% of all applications, or 7.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Sierra Pacific Mortgage Company originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Sierra Pacific Mortgage Company'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