Lender in North Carolina · HMDA 2025
State Employees' mortgages in North Carolina
State Employees''s 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
State Employees' originated 11,163 owner-occupied single-family loans in North Carolina from 14,549 completed applications, making it the state's #3 lender by volume.
Its median conventional purchase loan costs were $4,720 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.50% (North Carolina: 6.50%).
Loans in NC
11,163
of 14,549 applications
Denial rate
13.6%
Purchase · NC 7.6%
Rate spread
−0.46 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 | 9,485 | 8,038 | 13.6% | 6.500% | −0.46 pts | $4,720 | $285,000 |
| Refinance | 1,232 | 677 | 44.2% | 6.000% | −0.70 pts | $3,690 | $305,000 |
| Cash-out refinance | 3,832 | 2,448 | 35.4% | 6.500% | −0.84 pts | $3,150 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where State Employees' ranks in the top 25
Showing the 30 counties where it ranks highest, of 100.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Johnston County | 1 | 408 | 7.9% |
| Durham County | 1 | 352 | 7.6% |
| Alamance County | 1 | 329 | 11.3% |
| Catawba County | 1 | 270 | 9.5% |
| Pitt County | 1 | 251 | 11.2% |
| Orange County | 1 | 237 | 15.8% |
| Randolph County | 1 | 211 | 11.7% |
| Burke County | 1 | 209 | 21.1% |
| Stanly County | 1 | 189 | 16.6% |
| Caldwell County | 1 | 171 | 16.4% |
| Wilson County | 1 | 148 | 15.4% |
| Cleveland County | 1 | 145 | 11.8% |
| Wilkes County | 1 | 135 | 23.8% |
| Franklin County | 1 | 118 | 7.5% |
| Carteret County | 1 | 116 | 10.7% |
| Chatham County | 1 | 113 | 8.8% |
| Surry County | 1 | 108 | 15.1% |
| Nash County | 1 | 101 | 7.3% |
| Granville County | 1 | 89 | 10.6% |
| Rutherford County | 1 | 89 | 12.8% |
| McDowell County | 1 | 82 | 17.9% |
| Davie County | 1 | 70 | 9.7% |
| Yadkin County | 1 | 66 | 17.1% |
| Person County | 1 | 63 | 13.8% |
| Richmond County | 1 | 63 | 19.4% |
| Watauga County | 1 | 62 | 16.3% |
| Dare County | 1 | 59 | 11.2% |
| Lenoir County | 1 | 58 | 11.5% |
| Beaufort County | 1 | 57 | 13.2% |
| Montgomery County | 1 | 57 | 21.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology