Lender in North Carolina · HMDA 2025
Bank of America, N.A. mortgages in North Carolina
Bank of America, N.A.'s 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Bank of America, N.A. originated 1,356 owner-occupied single-family loans in North Carolina from 1,518 completed applications.
Its median conventional purchase loan costs were $4,080 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.125% (North Carolina: 6.50%).
Loans in NC
1,356
of 1,518 applications
Denial rate
10.3%
Purchase · NC 7.6%
Rate spread
−0.31 pts
Conv. · NC +0.04 pts
Loan amount
$345,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,264 | 1,133 | 10.3% | 6.125% | −0.31 pts | $4,080 | $345,000 |
| Refinance | 145 | 133 | 8.3% | 6.125% | −0.29 pts | $3,650 | $445,000 |
| Cash-out refinance | 109 | 90 | 17.4% | 6.500% | +0.03 pts | $4,050 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Bank of America, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mecklenburg County | 8 | 488 | 2.8% |
| Gaston County | 17 | 66 | 1.5% |
| Watauga County | 17 | 5 | 1.3% |
| Iredell County | 18 | 48 | 1.3% |
| Chatham County | 20 | 16 | 1.3% |
| Vance County | 21 | 4 | 1.3% |
| Union County | 22 | 60 | 1.2% |
| Lincoln County | 22 | 19 | 1.1% |
| Orange County | 22 | 14 | 0.9% |
| Anson County | 23 | 2 | 1.1% |
| Durham County | 25 | 46 | 1.0% |
| Cabarrus County | 25 | 45 | 1.0% |
| Burke County | 25 | 7 | 0.7% |
- Bank of America, N.A. nationwide
- North Carolina mortgage market
- Bank of America, N.A. in California
- Bank of America, N.A. in Texas
- Bank of America, N.A. in Florida
- Bank of America, N.A. in New York
- Bank of America, N.A. in Washington
- Bank of America, N.A. in Illinois
- Bank of America, N.A. in New Jersey
- Bank of America, N.A. in Georgia
- Bank of America, N.A. in Massachusetts
- Bank of America, N.A. in Pennsylvania
- Bank of America, N.A. in Virginia
- Bank of America, N.A. in Maryland
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology