Lenders › Guaranteed Rate, Inc. › North Carolina
Guaranteed Rate, Inc. 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.
Guaranteed Rate, Inc.'s 2024 HMDA record for North Carolina covers 3,997 applications, 2,611 of them originated, worth $819m.
Its denial rate in the state was 7.6%, below the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 9.0%.
The median rate spread on its North Carolina originations was 0.2 percentage points (state median 0.2).
Applications in the state were down 11% on 2023.
Compared with the state and the lender's national record
| Measure | In North Carolina | North Carolina, all lenders | Guaranteed Rate, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 7.6% | 24.0% | 9.0% | 24.3% |
| Median rate spread, pp | 0.2 | 0.2 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.7% | 11.8% | 6.7% | 15.6% |
| Average originated loan | $314k | $299k | $392k | $329k |
| Home purchase share | 85.9% | 56.3% | 83.4% | 57.0% |
| FHA-insured share | 14.1% | 11.8% | 14.3% | 13.4% |
| VA-guaranteed share | 18.0% | 11.8% | 9.9% | 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 86% (2,242)Home improvement 2% (46)Refinancing 4% (113)Cash-out refinancing 5% (132)Other purpose 3% (78)
By type
Conventional 67% (1,742)FHA 14% (369)VA 18% (471)USDA 1% (29)
Denial reasons as coded
Share of 222 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 |
|---|---|---|---|---|
| New Hanover County | 406 | 262 | $107m | 4.3% |
| Cumberland County | 289 | 205 | $37m | 7.1% |
| Wake County | 309 | 201 | $91m | 7.2% |
| Guilford County | 242 | 173 | $43m | 6.3% |
| Craven County | 232 | 160 | $36m | 4.7% |
| Brunswick County | 223 | 144 | $51m | 4.6% |
| Onslow County | 211 | 140 | $42m | 3.4% |
| Pender County | 186 | 108 | $43m | 4.3% |
| Buncombe County | 126 | 83 | $31m | 4.3% |
| Forsyth County | 111 | 77 | $19m | 8.0% |
| Mecklenburg County | 178 | 71 | $30m | 28.6% |
| Nash County | 83 | 58 | $9.9m | 7.9% |
| Johnston County | 78 | 58 | $18m | 6.5% |
| Carteret County | 82 | 53 | $21m | 3.6% |
| Durham County | 67 | 51 | $18m | 6.9% |
| Dare County | 65 | 46 | $24m | 10.9% |
| Davidson County | 55 | 41 | $11m | 10.9% |
| Edgecombe County | 52 | 39 | $4.8m | 7.1% |
| Hoke County | 47 | 36 | $11m | 7.7% |
| Randolph County | 43 | 35 | $5.7m | 2.8% |
| Gaston County | 43 | 32 | $7.0m | 3.0% |
| Cleveland County | 38 | 29 | $7.2m | 9.4% |
| Harnett County | 38 | 28 | $7.8m | 3.3% |
| Alamance County | 31 | 27 | $7.1m | 0.0% |
| Iredell County | 41 | 23 | $9.9m | 10.7% |
| Pitt County | 35 | 21 | $4.8m | 27.6% |
| Rockingham County | 28 | 20 | $5.1m | — |
| Henderson County | 27 | 20 | $6.5m | — |
| Moore County | 25 | 17 | $7.1m | — |
| Union County | 38 | 16 | $6.7m | — |
| Pamlico County | 26 | 15 | $4.2m | — |
| Cabarrus County | 28 | 14 | $4.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Guaranteed Rate, Inc. originate in North Carolina in 2024?
2,611 loans totalling $819m, from 3,997 applications reported for properties in North Carolina.
What is Guaranteed Rate, Inc.'s denial rate in North Carolina?
7.6% of decided applications in North Carolina were denied, against 24.0% for all lenders in the state and 9.0% 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 Guaranteed Rate, Inc. lend in most?
By originations: New Hanover County (262), Cumberland County (205), Wake County (201), Guilford County (173), Craven County (160).
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 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.