Stockton Mortgage in North Carolina vs the state
18.9%Denial rate+0.84 pts vs state
32.9%Decision denial rate+10.06 pts vs state
37.8%Origination rate-20.01 pts vs state
6.69%Median rate+0.19 pts vs state
0.47Rate spread (pts)+0.39 pts vs state
$74kMedian applicant income
48Loans originated
24Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 50 | 21 | 8.0% | 7.00% | #368 |
| 2024 | 141 | 62 | 9.9% | 6.75% | #258 |
| 2025 | 127 | 48 | 18.9% | 6.69% | #289 |
What Stockton 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 Stockton Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 11 | 9 | 1 | 9.1% |
| Wayne County | 9 | 6 | 1 | 11.1% |
| Johnston County | 9 | 5 | 2 | 22.2% |
| Mecklenburg County | 9 | 4 | 1 | 11.1% |
| Forsyth County | 6 | 1 | 3 | 50.0% |
| Brunswick County | 5 | 1 | 2 | 40.0% |
| Guilford County | 5 | 0 | 1 | 20.0% |
| Union County | 4 | 1 | 2 | 50.0% |
| Pitt County | 4 | 3 | 0 | 0.0% |
| Gaston County | 4 | 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: 127 applications in 2025, of which 48 were originated and 24 denied.
18.9% of all applications, or 32.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Stockton Mortgage originated in North Carolina in 2025 was 6.69%, against a statewide median of 6.50%.
About this data. Figures are Stockton 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