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 21.6% across 47,347 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.