Lender in North Carolina · HMDA 2025
Wells Fargo Bank, N.A. mortgages in North Carolina
Wells Fargo Bank, N.A.'s 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Wells Fargo Bank, N.A. originated 1,878 owner-occupied single-family loans in North Carolina from 2,247 completed applications, making it the state's #19 lender by volume.
Its median conventional purchase loan costs were $4,560 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.375% (North Carolina: 6.50%).
Loans in NC
1,878
of 2,247 applications
Denial rate
13.4%
Purchase · NC 7.6%
Rate spread
−0.07 pts
Conv. · NC +0.04 pts
Loan amount
$335,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,571 | 1,355 | 13.4% | 6.375% | −0.07 pts | $4,560 | $335,000 |
| Refinance | 133 | 109 | 18.1% | 6.250% | −0.18 pts | $4,110 | $305,000 |
| Cash-out refinance | 543 | 414 | 23.6% | 6.750% | +0.31 pts | $4,280 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Wells Fargo Bank, N.A. ranks in the top 25
Showing the 30 counties where it ranks highest, of 53.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wilkes County | 5 | 20 | 3.5% |
| Transylvania County | 8 | 9 | 3.0% |
| Martin County | 8 | 6 | 3.9% |
| Mecklenburg County | 9 | 422 | 2.4% |
| Tyrrell County | 9 | 1 | 4.5% |
| Orange County | 11 | 28 | 1.9% |
| Watauga County | 12 | 7 | 1.8% |
| Bertie County | 12 | 2 | 2.5% |
| Scotland County | 13 | 5 | 1.8% |
| Anson County | 13 | 4 | 2.3% |
| Yancey County | 13 | 3 | 1.8% |
| Rowan County | 14 | 39 | 1.6% |
| Macon County | 14 | 7 | 1.6% |
| Iredell County | 15 | 55 | 1.4% |
| Burke County | 15 | 11 | 1.1% |
| Yadkin County | 15 | 6 | 1.6% |
| Chatham County | 17 | 21 | 1.6% |
| Stanly County | 17 | 16 | 1.4% |
| Bladen County | 17 | 3 | 1.6% |
| Chowan County | 17 | 3 | 1.7% |
| Franklin County | 18 | 22 | 1.4% |
| Davie County | 18 | 10 | 1.4% |
| Greene County | 18 | 2 | 1.9% |
| Swain County | 18 | 2 | 1.8% |
| Henderson County | 19 | 19 | 1.1% |
| Granville County | 19 | 10 | 1.2% |
| Alleghany County | 19 | 2 | 1.6% |
| Forsyth County | 20 | 72 | 1.3% |
| Durham County | 20 | 62 | 1.3% |
| Gaston County | 20 | 58 | 1.3% |
- Wells Fargo Bank, N.A. nationwide
- North Carolina mortgage market
- Wells Fargo Bank, N.A. in California
- Wells Fargo Bank, N.A. in New York
- Wells Fargo Bank, N.A. in Texas
- Wells Fargo Bank, N.A. in Florida
- Wells Fargo Bank, N.A. in New Jersey
- Wells Fargo Bank, N.A. in Pennsylvania
- Wells Fargo Bank, N.A. in Washington
- Wells Fargo Bank, N.A. in Minnesota
- Wells Fargo Bank, N.A. in Georgia
- Wells Fargo Bank, N.A. in Virginia
- Wells Fargo Bank, N.A. in Arizona
- Wells Fargo Bank, N.A. in South Carolina
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology