Stg Mortgage in North Carolina vs the state
11.9%Denial rate-6.16 pts vs state
23.3%Decision denial rate+0.44 pts vs state
36.9%Origination rate-20.91 pts vs state
6.63%Median rate+0.13 pts vs state
-0.01Rate spread (pts)-0.09 pts vs state
$136kMedian applicant income
31Loans originated
10Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 14 | 4.2% | 7.31% | #476 |
| 2024 | 33 | 20 | 6.1% | 6.63% | #440 |
| 2025 | 84 | 31 | 11.9% | 6.63% | #343 |
What Stg 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 Stg Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 14 | 3 | 1 | 7.1% |
| Wake County | 11 | 6 | 0 | 0.0% |
| Durham County | 7 | 2 | 3 | 42.9% |
| Cabarrus County | 5 | 0 | 2 | 40.0% |
| Catawba County | 4 | 2 | 1 | 25.0% |
| Johnston County | 4 | 0 | 0 | 0.0% |
| Alamance County | 4 | 2 | 1 | 25.0% |
| Currituck County | 4 | 2 | 0 | 0.0% |
| Forsyth County | 3 | 1 | 0 | 0.0% |
| Dare County | 2 | 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: 84 applications in 2025, of which 31 were originated and 10 denied.
11.9% of all applications, or 23.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Stg Mortgage originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Stg 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