Lender in North Carolina · HMDA 2025
Uwharrie Bank mortgages in North Carolina
Uwharrie Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Uwharrie Bank originated 368 owner-occupied single-family loans in North Carolina from 376 completed applications.
Its median conventional purchase loan costs were $4,540 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.75% (North Carolina: 6.50%).
Loans in NC
368
of 376 applications
Denial rate
1.2%
Purchase · NC 7.6%
Rate spread
+0.28 pts
Conv. · NC +0.04 pts
Loan amount
$285,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 335 | 330 | 1.2% | 6.750% | +0.28 pts | $4,540 | $285,000 |
| Refinance | 25 | 22 | 8.0% | — | +0.50 pts | $2,420 | $245,000 |
| Cash-out refinance | 16 | 16 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Uwharrie Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Montgomery County | 4 | 16 | 5.9% |
| Anson County | 4 | 10 | 5.8% |
| Stanly County | 5 | 53 | 4.7% |
| Cabarrus County | 13 | 70 | 1.6% |
| Rowan County | 23 | 21 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology