Lender in North Carolina · HMDA 2025
North State Bank mortgages in North Carolina
North State Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
North State Bank originated 391 owner-occupied single-family loans in North Carolina from 404 completed applications.
Its median conventional purchase loan costs were $4,030 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
391
of 404 applications
Denial rate
2.0%
Purchase · NC 7.6%
Rate spread
−0.01 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 | 352 | 343 | 2.0% | 6.625% | −0.01 pts | $4,030 | $345,000 |
| Refinance | 37 | 35 | 0.0% | 6.375% | −0.08 pts | $3,240 | $465,000 |
| Cash-out refinance | 15 | 13 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where North State Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Franklin County | 6 | 41 | 2.6% |
| Northampton County | 9 | 2 | 2.3% |
| Granville County | 14 | 13 | 1.6% |
| New Hanover County | 16 | 56 | 1.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology