United Mortgage in North Carolina vs the state
2.9%Denial rate-15.20 pts vs state
3.6%Decision denial rate-19.25 pts vs state
45.7%Origination rate-12.10 pts vs state
6.50%Median rate0.00 pts vs state
0.81Rate spread (pts)+0.72 pts vs state
$102kMedian applicant income
16Loans originated
1Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 15 | 7.1% | 7.13% | #452 |
| 2024 | 34 | 21 | 5.9% | 6.75% | #434 |
| 2025 | 35 | 16 | 2.9% | 6.50% | #448 |
What United 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 United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 5 | 1 | 1 | 20.0% |
| Davidson County | 3 | 2 | 0 | 0.0% |
| Cumberland County | 2 | 0 | 0 | 0.0% |
| Franklin County | 2 | 1 | 0 | 0.0% |
| Moore County | 2 | 0 | 0 | 0.0% |
| Guilford County | 2 | 1 | 0 | 0.0% |
| Durham County | 1 | 1 | 0 | 0.0% |
| Bladen County | 1 | 0 | 0 | 0.0% |
| Dare County | 1 | 1 | 0 | 0.0% |
| Henderson County | 1 | 1 | 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: 35 applications in 2025, of which 16 were originated and 1 denied.
2.9% of all applications, or 3.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans United Mortgage originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are United 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