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21st Mortgage in North Carolina

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

LEI 549300XQVJ1XBNFA5536
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, 21st Mortgage reported 5,658 applications and 912 originations for 2024, $105m in all.

Its denial rate in the state was 74.2%, above the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 70.3%.

The median rate spread on its North Carolina originations was 4.1 percentage points (state median 0.2).

Applications in the state were up 7% on 2023.

5,658applications in NC, 20243.4% of the lender's total
912loans originated$105m
74.2%denial rateNC all lenders 24.0%
4.1 ppmedian rate spreadNC 0.2 pp

Compared with the state and the lender's national record

MeasureIn North CarolinaNorth Carolina, all lenders21st Mortgage, all statesUnited States
Denial rate74.2%24.0%70.3%24.3%
Median rate spread, pp4.10.24.20.3
Originations with spread of 1.5 pp or more99.3%11.8%99.0%15.6%
Average originated loan$116k$299k$114k$329k
Home purchase share98.5%56.3%98.4%57.0%
FHA-insured share0.0%11.8%0.0%13.4%
VA-guaranteed share0.0%11.8%0.0%7.9%

Trend by year

ApplicationsOriginations

02,8295,6582022: 5,079 Applications2023: 5,279 Applications2024: 5,658 Applications2022: 780 Originations2023: 813 Originations2024: 912 Originations202220232024
21st Mortgage in North Carolina: applications and originations, 2022–2024

This lender in stateNorth Carolina, all lenders

0%38.4%76.8%2022: 76.8% This lender in state2023: 76% This lender in state2024: 74.2% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in North Carolina

By purpose

Home purchase 98% (898)Home improvement 0% (1)Refinancing 1% (10)Cash-out refinancing 0% (2)Other purpose 0% (1)

By type

Conventional 100% (912)

Denial reasons as coded

Credit history41.2%
Debt-to-income ratio35.9%
Insufficient cash (downpayment, closing costs)12.8%
Credit application incomplete5.4%
Collateral1.6%
Other1.5%
Unverifiable information1.4%
Employment history0.1%
Mortgage insurance denied0%

Share of 2,889 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in North Carolina

CountyApplicationsOriginationsAmountDenial rate
Guilford County446109$6.4m66.7%
Robeson County55173$10m75.9%
Duplin County24539$5.1m70.7%
Onslow County19839$3.2m68.5%
Brunswick County20737$5.3m68.5%
Columbus County16236$4.5m58.9%
Wake County23735$2.6m79.0%
Wayne County17130$2.9m73.4%
Cumberland County14030$2.7m70.6%
Bladen County13624$3.0m65.9%
Sampson County12223$2.9m65.4%
Pitt County8621$1.9m69.9%
Hoke County7921$3.2m65.0%
Richmond County13419$2.2m72.8%
Cabarrus County10419$1.6m73.3%
Scotland County10417$2.0m77.0%
Johnston County8517$1.8m69.5%
Craven County13315$1.7m86.5%
Union County11815$2.4m81.2%
Harnett County9614$1.9m75.4%
Nash County7414$1.2m73.7%
Moore County4613$1.9m57.1%
Cleveland County3112$1.6m58.6%
Lenoir County11911$1.5m86.1%
Anson County7111$1.5m75.0%
Jones County4210$1.4m64.5%
Buncombe County1349$1.0m88.5%
Pender County749$1.1m75.6%
Davidson County669$775k79.5%
Carteret County399$1.0m61.5%
Randolph County708$690k76.7%
Alamance County468$960k72.7%
Edgecombe County338$3.4m68.0%
Chatham County337$835k—
Henderson County706$590k85.1%
Gaston County435$515k81.3%
Rowan County325$595k—
Rutherford County295$795k—
Northampton County494$540k84.2%
Beaufort County404$460k75.9%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did 21st Mortgage originate in North Carolina in 2024?

912 loans totalling $105m, from 5,658 applications reported for properties in North Carolina.

What is 21st Mortgage's denial rate in North Carolina?

74.2% of decided applications in North Carolina were denied, against 24.0% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?

By originations: Guilford County (109), Robeson County (73), Duplin County (39), Onslow County (39), Brunswick County (37).

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.