Figures on this page were re-read from the data files on 2026-10-01; an earlier version carried values from before the 26 July 2026 universe correction (reverse mortgages removed). Corrections log.
In North Carolina, the highest FHA denial rates among major lenders in 2025 belonged to Amerisave Mortgage Company (77.6%), Carrington Mortgage Services LLC (54.1%), Newrez LLC (47.4%).North Carolina’s FHA denial rate in 2025 was 21.8% across 46,286 decisioned applications — ranking #28 of 52 states. Among high-volume lenders, the lowest observed denial rate was Atlantic Bay Mortgage Group at 2.4%; the highest was Amerisave Mortgage Company at 77.6%. The institutional spread inside North Carolina is 32.3×: the same FHA application faces a 2.4% observed denial rate at one high-volume door and 77.6% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | North Carolina FHA apps | Denial rate |
|---|---|---|
| Atlantic Bay Mortgage Group | 1,443 | 2.4% |
| Movement Mortgage, LLC | 1,855 | 4.0% |
| Crosscountry Mortgage, LLC | 1,410 | 5.0% |
| Freedom Mortgage Corporation | 1,998 | 17.4% |
| Pennymac Loan Services LLC | 1,221 | 20.4% |
| United Wholesale Mortgage | 3,243 | 23.2% |
| Dhi Mortgage Company, Ltd. | 2,422 | 24.1% |
| Mutual Of Omaha Mortgage | 724 | 26.5% |
| Rocket Mortgage | 4,415 | 26.6% |
| New American Funding, LLC. | 942 | 29.3% |
| Nvr Mortgage Finance, Inc. | 872 | 30.2% |
| Loandepot.Com LLC | 2,134 | 36.6% |
| Newrez LLC | 862 | 47.4% |
| Carrington Mortgage Services LLC | 708 | 54.1% |
| Amerisave Mortgage Company | 1,382 | 77.6% |
Applications under $150K were denied 38.8% of the time versus 17.5% for loans of $250K+ — a 2.2× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
Nobody. No lender pays to appear or improve its position; no ads, no referral fees, no lead sales. FinanceRateCalc is not a lender and does not compete with the institutions it measures. Rates reflect applicant mix and channel as well as underwriting appetite — a high rate is not an accusation, and a low one is not advice. Compare nationally: the top-100 table · the 15-market door map · all 52 states ranked · why each lender says no.
Reading note: lender-level denial rates describe tendencies in the observed record, not rules — individual outcomes vary with each file. Rankings can also shift with denominator choices (which application outcomes are counted); FRC's rule is published in full in the methodology, so every figure here is reproducible from the raw federal file.