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DHI Mortgage Company, LTD. in North Carolina

HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina overview

LEI 5493001SXWZ4OFP8Z903
Reporting agency Department of Housing and Urban Development
State North Carolina

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

In North Carolina, DHI Mortgage Company, LTD. reported 6,493 applications and 4,830 originations for 2024, $1.5bn in all.

Its denial rate in the state was 13.0%, below the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 12.2%.

The median rate spread on its North Carolina originations was -1.0 percentage points (state median 0.2).

Applications in the state were up 35% on 2023.

6,493applications in NC, 20246.8% of the lender's total
4,830loans originated$1.5bn
13.0%denial rateNC all lenders 24.0%
-1.0 ppmedian rate spreadNC 0.2 pp

Compared with the state and the lender's national record

MeasureIn North CarolinaNorth Carolina, all lendersDHI Mortgage Company, LTD., all statesUnited States
Denial rate13.0%24.0%12.2%24.3%
Median rate spread, pp-1.00.2-1.00.3
Originations with spread of 1.5 pp or more0.2%11.8%0.2%15.6%
Average originated loan$315k$299k$340k$329k
Home purchase share100.0%56.3%100.0%57.0%
FHA-insured share31.5%11.8%42.6%13.4%
VA-guaranteed share16.3%11.8%16.5%7.9%

Trend by year

ApplicationsOriginations

03246.56,4932022: 3,531 Applications2023: 4,804 Applications2024: 6,493 Applications2022: 2,580 Originations2023: 3,724 Originations2024: 4,830 Originations202220232024
DHI Mortgage Company, LTD. in North Carolina: applications and originations, 2022–2024

This lender in stateNorth Carolina, all lenders

0%12.3%24.6%2022: 9.9% This lender in state2023: 9.5% This lender in state2024: 13% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in North Carolina

By purpose

Home purchase 100% (4,830)

By type

Conventional 51% (2,483)FHA 32% (1,523)VA 16% (785)USDA 1% (39)

Denial reasons as coded

Debt-to-income ratio59.1%
Credit history15.6%
Unverifiable information10.6%
Insufficient cash (downpayment, closing costs)8.8%
Other3.4%
Employment history2.2%
Collateral0.3%
Credit application incomplete0%
Mortgage insurance denied0%

Share of 729 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in North Carolina

CountyApplicationsOriginationsAmountDenial rate
Brunswick County784527$133m18.8%
Alamance County410329$104m11.6%
Wake County376280$99m17.8%
Gaston County329272$98m9.3%
Iredell County326252$84m9.3%
Davidson County289217$62m9.2%
Guilford County294209$75m14.9%
Mecklenburg County246195$69m8.8%
Lee County234181$54m14.6%
Pitt County266178$45m23.5%
Pender County250164$51m13.9%
Henderson County213154$55m3.7%
Catawba County203154$46m7.7%
Harnett County182149$49m13.4%
Craven County187143$42m13.3%
Cabarrus County148121$51m3.9%
Moore County133115$37m5.7%
Rockingham County13196$29m15.8%
Forsyth County13995$22m19.8%
Buncombe County12192$30m2.1%
Randolph County11991$22m11.3%
Union County11182$27m12.8%
Durham County7866$24m7.0%
Stanly County7359$22m4.7%
Cumberland County7357$20m6.5%
Lincoln County6651$22m3.7%
Onslow County6944$15m8.2%
Johnston County5942$14m18.9%
Carteret County5640$12m2.4%
Franklin County5139$14m13.0%
Haywood County6038$12m7.1%
Nash County5134$9.4m20.5%
Orange County3633$11m0.0%
Wilson County4732$9.0m25.0%
Wayne County4632$8.7m28.9%
New Hanover County4231$9.2m13.9%
Lenoir County4828$6.4m31.7%
Davie County3425$6.2m21.9%
Columbus County3022$4.2m20.7%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did DHI Mortgage Company, LTD. originate in North Carolina in 2024?

4,830 loans totalling $1.5bn, from 6,493 applications reported for properties in North Carolina.

What is DHI Mortgage Company, LTD.'s denial rate in North Carolina?

13.0% of decided applications in North Carolina were denied, against 24.0% for all lenders in the state and 12.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which North Carolina counties does DHI Mortgage Company, LTD. lend in most?

By originations: Brunswick County (527), Alamance County (329), Wake County (280), Gaston County (272), Iredell County (252).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in North Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.