Lender in North Carolina · HMDA 2025
Alcova Mortgage LLC mortgages in North Carolina
Alcova Mortgage LLC's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Alcova Mortgage LLC originated 1,302 owner-occupied single-family loans in North Carolina from 1,461 completed applications.
Its median conventional purchase loan costs were $4,340 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
1,302
of 1,461 applications
Denial rate
1.5%
Purchase · NC 7.6%
Rate spread
+0.19 pts
Conv. · NC +0.04 pts
Loan amount
$295,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,283 | 1,148 | 1.5% | 6.625% | +0.19 pts | $4,340 | $295,000 |
| Refinance | 178 | 154 | 4.5% | 6.750% | +0.31 pts | $5,570 | $285,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Alcova Mortgage LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Columbus County | 3 | 25 | 6.8% |
| Wilkes County | 4 | 20 | 3.5% |
| Bladen County | 4 | 12 | 6.5% |
| Pitt County | 6 | 103 | 4.6% |
| Robeson County | 6 | 25 | 3.9% |
| Alexander County | 6 | 12 | 3.3% |
| Beaufort County | 7 | 16 | 3.7% |
| Scotland County | 7 | 8 | 3.0% |
| Rockingham County | 8 | 45 | 3.4% |
| Cabarrus County | 10 | 75 | 1.7% |
| Martin County | 11 | 4 | 2.6% |
| Randolph County | 12 | 37 | 2.1% |
| Sampson County | 13 | 8 | 1.6% |
| Catawba County | 15 | 45 | 1.6% |
| Edgecombe County | 15 | 5 | 1.5% |
| Madison County | 15 | 4 | 2.1% |
| Rowan County | 16 | 34 | 1.4% |
| Buncombe County | 19 | 34 | 1.1% |
| Caldwell County | 19 | 9 | 0.9% |
| Stanly County | 20 | 13 | 1.1% |
| Burke County | 21 | 8 | 0.8% |
| Richmond County | 21 | 3 | 0.9% |
| Lenoir County | 22 | 6 | 1.2% |
| Lee County | 23 | 10 | 0.9% |
| Surry County | 23 | 6 | 0.8% |
| Moore County | 24 | 20 | 0.9% |
| Henderson County | 24 | 14 | 0.8% |
| Dare County | 25 | 4 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology