Lenders › Nationstar Mortgage › North Carolina
Nationstar Mortgage in North Carolina
HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina overview
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, Nationstar Mortgage reported 2,393 applications and 1,591 originations for 2024, $307m in all.
Its denial rate in the state was 16.6%, below the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 19.1%.
The median rate spread on its North Carolina originations was 1.1 percentage points (state median 0.2).
Applications in the state were up 22% on 2023.
Compared with the state and the lender's national record
| Measure | In North Carolina | North Carolina, all lenders | Nationstar Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.6% | 24.0% | 19.1% | 24.3% |
| Median rate spread, pp | 1.1 | 0.2 | 1.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 41.8% | 11.8% | 44.9% | 15.6% |
| Average originated loan | $193k | $299k | $199k | $329k |
| Home purchase share | 16.5% | 56.3% | 13.9% | 57.0% |
| FHA-insured share | 15.1% | 11.8% | 13.2% | 13.4% |
| VA-guaranteed share | 11.0% | 11.8% | 8.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNorth Carolina, all lenders
Loan purpose and loan type in North Carolina
By purpose
Home purchase 16% (262)Home improvement 6% (103)Refinancing 10% (160)Cash-out refinancing 35% (553)Other purpose 32% (513)
By type
Conventional 74% (1,176)FHA 15% (240)VA 11% (175)
Denial reasons as coded
Share of 323 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).
Counties in North Carolina
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 272 | 190 | $42m | 13.6% |
| Wake County | 268 | 186 | $39m | 11.6% |
| Guilford County | 127 | 85 | $13m | 13.6% |
| Cumberland County | 129 | 82 | $15m | 20.2% |
| Forsyth County | 93 | 60 | $10m | 18.7% |
| Union County | 84 | 57 | $12m | 13.2% |
| Brunswick County | 75 | 49 | $10m | 12.3% |
| Gaston County | 73 | 44 | $6.8m | 13.5% |
| Johnston County | 59 | 44 | $9.5m | 10.0% |
| Cabarrus County | 63 | 42 | $8.0m | 21.8% |
| New Hanover County | 56 | 40 | $6.8m | 14.6% |
| Onslow County | 56 | 37 | $7.1m | 27.5% |
| Durham County | 65 | 36 | $7.5m | 28.0% |
| Harnett County | 50 | 33 | $8.8m | 15.4% |
| Iredell County | 46 | 33 | $6.6m | 8.3% |
| Davidson County | 42 | 30 | $5.1m | 16.7% |
| Moore County | 38 | 29 | $5.6m | 6.1% |
| Buncombe County | 41 | 26 | $5.4m | 27.8% |
| Alamance County | 41 | 26 | $3.7m | 20.6% |
| Catawba County | 34 | 25 | $3.8m | 16.7% |
| Craven County | 34 | 23 | $4.2m | 17.2% |
| Franklin County | 26 | 22 | $2.7m | — |
| Rowan County | 35 | 21 | $4.2m | 24.1% |
| Lincoln County | 30 | 21 | $4.7m | 12.0% |
| Hoke County | 29 | 17 | $3.9m | — |
| Pitt County | 27 | 16 | $2.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Nationstar Mortgage originate in North Carolina in 2024?
1,591 loans totalling $307m, from 2,393 applications reported for properties in North Carolina.
What is Nationstar Mortgage's denial rate in North Carolina?
16.6% of decided applications in North Carolina were denied, against 24.0% for all lenders in the state and 19.1% 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 Nationstar Mortgage lend in most?
By originations: Mecklenburg County (190), Wake County (186), Guilford County (85), Cumberland County (82), Forsyth County (60).
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.