Lender in North Carolina · HMDA 2025
Ixonia Bank mortgages in North Carolina
Ixonia Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Ixonia Bank originated 656 owner-occupied single-family loans in North Carolina from 673 completed applications.
Its median conventional purchase loan costs were $5,250 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.875% (North Carolina: 6.50%).
Loans in NC
656
of 673 applications
Denial rate
1.8%
Purchase · NC 7.6%
Rate spread
+0.41 pts
Conv. · NC +0.04 pts
Loan amount
$305,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 605 | 592 | 1.8% | 6.875% | +0.41 pts | $5,250 | $305,000 |
| Refinance | 37 | 35 | 5.4% | 6.375% | +0.13 pts | $4,450 | $355,000 |
| Cash-out refinance | 31 | 29 | 3.2% | — | — | — | $345,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Ixonia Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Rowan County | 5 | 115 | 4.9% |
| Cabarrus County | 8 | 86 | 1.9% |
| Stanly County | 10 | 22 | 1.9% |
| Davidson County | 14 | 50 | 1.8% |
| Anson County | 19 | 3 | 1.7% |
| Cleveland County | 24 | 11 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology