Lender in North Carolina · HMDA 2025
Rate mortgages in North Carolina
Rate's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Rate originated 1,812 owner-occupied single-family loans in North Carolina from 1,956 completed applications, making it the state's #20 lender by volume.
Its median conventional purchase loan costs were $4,960 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
1,812
of 1,956 applications
Denial rate
3.2%
Purchase · NC 7.6%
Rate spread
+0.23 pts
Conv. · NC +0.04 pts
Loan amount
$305,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,548 | 1,486 | 3.2% | 6.625% | +0.23 pts | $4,960 | $305,000 |
| Refinance | 211 | 186 | 9.5% | 6.275% | −0.04 pts | $4,450 | $365,000 |
| Cash-out refinance | 197 | 140 | 27.9% | 6.750% | +0.25 pts | $4,520 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Rate ranks in the top 25
Showing the 30 counties where it ranks highest, of 39.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Pamlico County | 2 | 15 | 8.9% |
| Craven County | 4 | 134 | 6.8% |
| Cleveland County | 4 | 55 | 4.5% |
| New Hanover County | 7 | 108 | 3.2% |
| Jones County | 7 | 6 | 5.1% |
| Guilford County | 8 | 166 | 2.5% |
| Buncombe County | 8 | 68 | 2.3% |
| Pender County | 9 | 38 | 2.7% |
| Dare County | 9 | 23 | 4.3% |
| McDowell County | 9 | 8 | 1.8% |
| Brunswick County | 10 | 89 | 2.1% |
| Halifax County | 10 | 5 | 2.1% |
| Avery County | 10 | 3 | 2.0% |
| Cumberland County | 11 | 130 | 2.2% |
| Hoke County | 11 | 35 | 2.0% |
| Carteret County | 11 | 29 | 2.7% |
| Robeson County | 12 | 11 | 1.7% |
| Madison County | 12 | 5 | 2.6% |
| Burke County | 14 | 13 | 1.3% |
| Onslow County | 16 | 75 | 1.4% |
| Henderson County | 16 | 21 | 1.2% |
| Rockingham County | 16 | 18 | 1.4% |
| Alleghany County | 16 | 2 | 1.6% |
| Stokes County | 17 | 8 | 1.3% |
| Rutherford County | 18 | 7 | 1.0% |
| Duplin County | 18 | 5 | 1.4% |
| Perquimans County | 18 | 4 | 2.0% |
| Forsyth County | 19 | 75 | 1.3% |
| Moore County | 19 | 29 | 1.3% |
| Haywood County | 20 | 10 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology