South River Mortgage in North Carolina vs the state
0.8%Denial rate-17.30 pts vs state
1.7%Decision denial rate-21.15 pts vs state
44.9%Origination rate-12.94 pts vs state
8.99%Median rate+2.49 pts vs state
—Rate spread (pts)
$24kMedian applicant income
118Loans originated
2Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 20 | 20 | 0.0% | 6.34% | #508 |
| 2025 | 263 | 118 | 0.8% | 8.99% | #209 |
What South River 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 South River Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 32 | 11 | 0 | 0.0% |
| Wake County | 19 | 9 | 0 | 0.0% |
| New Hanover County | 10 | 3 | 1 | 10.0% |
| Union County | 10 | 4 | 0 | 0.0% |
| Forsyth County | 9 | 3 | 0 | 0.0% |
| Cumberland County | 8 | 3 | 0 | 0.0% |
| Guilford County | 8 | 6 | 0 | 0.0% |
| Durham County | 7 | 4 | 0 | 0.0% |
| Catawba County | 7 | 2 | 0 | 0.0% |
| Buncombe County | 7 | 4 | 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: 263 applications in 2025, of which 118 were originated and 2 denied.
0.8% of all applications, or 1.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans South River Mortgage originated in North Carolina in 2025 was 8.99%, against a statewide median of 6.50%.
About this data. Figures are South River 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