Union Home Mortgage in North Carolina vs the state
3.8%Denial rate-14.26 pts vs state
4.6%Decision denial rate-18.23 pts vs state
76.9%Origination rate+19.09 pts vs state
6.56%Median rate+0.06 pts vs state
0.28Rate spread (pts)+0.19 pts vs state
$100kMedian applicant income
2,127Loans originated
105Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,024 | 1,607 | 2.1% | 6.88% | #42 |
| 2024 | 2,784 | 2,129 | 3.5% | 6.75% | #36 |
| 2025 | 2,766 | 2,127 | 3.8% | 6.56% | #36 |
What Union Home 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 Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 236 | 178 | 9 | 3.8% |
| Guilford County | 178 | 149 | 2 | 1.1% |
| Alamance County | 173 | 136 | 4 | 2.3% |
| Macon County | 153 | 124 | 3 | 2.0% |
| Wake County | 124 | 94 | 4 | 3.2% |
| Cherokee County | 122 | 93 | 5 | 4.1% |
| Mecklenburg County | 96 | 69 | 6 | 6.3% |
| Gaston County | 81 | 61 | 2 | 2.5% |
| Durham County | 78 | 56 | 6 | 7.7% |
| Forsyth County | 76 | 63 | 2 | 2.6% |
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: 2,766 applications in 2025, of which 2,127 were originated and 105 denied.
3.8% of all applications, or 4.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Union Home Mortgage originated in North Carolina in 2025 was 6.56%, against a statewide median of 6.50%.
About this data. Figures are Union Home 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