Lender in North Carolina · HMDA 2025
Plains Commerce Bank mortgages in North Carolina
Plains Commerce Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Plains Commerce Bank originated 276 owner-occupied single-family loans in North Carolina from 289 completed applications.
Its median conventional purchase loan costs were $5,680 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
276
of 289 applications
Denial rate
4.3%
Purchase · NC 7.6%
Rate spread
+0.18 pts
Conv. · NC +0.04 pts
Loan amount
$415,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 259 | 248 | 4.3% | 6.625% | +0.18 pts | $5,680 | $415,000 |
| Refinance | 22 | 21 | 4.5% | — | — | — | $385,000 |
| Cash-out refinance | 8 | 7 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Plains Commerce Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Graham County | 13 | 1 | 1.7% |
- Plains Commerce Bank nationwide
- North Carolina mortgage market
- Plains Commerce Bank in Florida
- Plains Commerce Bank in South Dakota
- Plains Commerce Bank in Arizona
- Plains Commerce Bank in Texas
- Plains Commerce Bank in Utah
- Plains Commerce Bank in Colorado
- Plains Commerce Bank in Georgia
- Plains Commerce Bank in Minnesota
- Plains Commerce Bank in Nebraska
- Plains Commerce Bank in California
- Plains Commerce Bank in Iowa
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology