Sun West Mortgage Company in North Carolina vs the state
13.3%Denial rate-4.74 pts vs state
16.1%Decision denial rate-6.71 pts vs state
48.9%Origination rate-8.90 pts vs state
5.98%Median rate-0.52 pts vs state
0.01Rate spread (pts)-0.08 pts vs state
$95kMedian applicant income
246Loans originated
67Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 284 | 118 | 26.1% | 6.50% | #161 |
| 2024 | 414 | 203 | 18.1% | 6.00% | #143 |
| 2025 | 503 | 246 | 13.3% | 5.98% | #136 |
What Sun West 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 Sun West Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 59 | 32 | 10 | 16.9% |
| Wake County | 41 | 26 | 6 | 14.6% |
| Cumberland County | 33 | 16 | 4 | 12.1% |
| Forsyth County | 19 | 13 | 3 | 15.8% |
| Cabarrus County | 18 | 6 | 3 | 16.7% |
| Johnston County | 18 | 6 | 3 | 16.7% |
| Guilford County | 17 | 7 | 4 | 23.5% |
| Onslow County | 17 | 5 | 3 | 17.6% |
| Union County | 17 | 11 | 3 | 17.6% |
| Iredell County | 15 | 12 | 1 | 6.7% |
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: 503 applications in 2025, of which 246 were originated and 67 denied.
13.3% of all applications, or 16.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Sun West Mortgage Company originated in North Carolina in 2025 was 5.98%, against a statewide median of 6.50%.
About this data. Figures are Sun West 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