Lender in North Carolina · HMDA 2025
NBKC Bank mortgages in North Carolina
NBKC Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
NBKC Bank originated 338 owner-occupied single-family loans in North Carolina from 393 completed applications.
Its median conventional purchase loan costs were $3,530 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.50% (North Carolina: 6.50%).
Loans in NC
338
of 393 applications
Denial rate
7.8%
Purchase · NC 7.6%
Rate spread
−0.07 pts
Conv. · NC +0.04 pts
Loan amount
$375,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 269 | 247 | 7.8% | 6.500% | −0.07 pts | $3,530 | $375,000 |
| Refinance | 101 | 76 | 22.8% | 6.125% | −0.24 pts | $2,310 | $415,000 |
| Cash-out refinance | 23 | 15 | 34.8% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where NBKC Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Ashe County | 10 | 4 | 1.6% |
| Burke County | 17 | 9 | 0.9% |
| Swain County | 21 | 1 | 0.9% |
| McDowell County | 24 | 3 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology