Lenders › Carrington Mortgage Services L › North Carolina
Carrington Mortgage Services L 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, Carrington Mortgage Services L reported 1,975 applications and 618 originations for 2024, $124m in all.
Its denial rate in the state was 51.4%, above the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 52.4%.
The median rate spread on its North Carolina originations was 0.5 percentage points (state median 0.2).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In North Carolina | North Carolina, all lenders | Carrington Mortgage Services L, all states | United States |
|---|---|---|---|---|
| Denial rate | 51.4% | 24.0% | 52.4% | 24.3% |
| Median rate spread, pp | 0.5 | 0.2 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 23.8% | 11.8% | 28.0% | 15.6% |
| Average originated loan | $201k | $299k | $237k | $329k |
| Home purchase share | 9.9% | 56.3% | 19.3% | 57.0% |
| FHA-insured share | 39.0% | 11.8% | 39.6% | 13.4% |
| VA-guaranteed share | 25.7% | 11.8% | 18.0% | 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 10% (61)Refinancing 8% (51)Cash-out refinancing 78% (483)Other purpose 4% (23)
By type
Conventional 35% (218)FHA 39% (241)VA 26% (159)
Denial reasons as coded
Share of 825 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 | 196 | 57 | $13m | 52.5% |
| Cumberland County | 164 | 53 | $8.5m | 55.7% |
| Wake County | 113 | 36 | $8.3m | 53.4% |
| Guilford County | 87 | 26 | $5.0m | 49.3% |
| Onslow County | 80 | 24 | $5.5m | 53.8% |
| Forsyth County | 73 | 22 | $4.3m | 50.0% |
| Johnston County | 57 | 21 | $4.1m | 40.5% |
| Harnett County | 53 | 18 | $5.2m | 46.8% |
| Union County | 51 | 18 | $4.2m | 54.8% |
| New Hanover County | 47 | 17 | $3.8m | 50.0% |
| Durham County | 52 | 15 | $3.4m | 52.4% |
| Gaston County | 46 | 12 | $2.7m | 50.0% |
| Hoke County | 35 | 12 | $1.8m | 48.1% |
| Davidson County | 31 | 12 | $2.1m | — |
| Brunswick County | 37 | 11 | $2.1m | 48.1% |
| Alamance County | 32 | 11 | $1.7m | 45.2% |
| Pender County | 27 | 10 | $1.8m | — |
| Cabarrus County | 45 | 9 | $2.2m | 50.0% |
| Wayne County | 38 | 9 | $1.8m | 57.6% |
| Randolph County | 29 | 8 | $1.3m | — |
| Rowan County | 28 | 8 | $1.2m | — |
| Catawba County | 31 | 7 | $965k | — |
| Cleveland County | 27 | 7 | $955k | — |
| Pitt County | 27 | 4 | $690k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Carrington Mortgage Services L originate in North Carolina in 2024?
618 loans totalling $124m, from 1,975 applications reported for properties in North Carolina.
What is Carrington Mortgage Services L's denial rate in North Carolina?
51.4% of decided applications in North Carolina were denied, against 24.0% for all lenders in the state and 52.4% 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 Carrington Mortgage Services L lend in most?
By originations: Mecklenburg County (57), Cumberland County (53), Wake County (36), Guilford County (26), Onslow County (24).
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.