Lender in North Carolina · HMDA 2025
Towne Bank mortgages in North Carolina
Towne Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Towne Bank originated 1,043 owner-occupied single-family loans in North Carolina from 1,100 completed applications.
Its median conventional purchase loan costs were $5,050 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
1,043
of 1,100 applications
Denial rate
3.2%
Purchase · NC 7.6%
Rate spread
+0.22 pts
Conv. · NC +0.04 pts
Loan amount
$355,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,001 | 961 | 3.2% | 6.625% | +0.22 pts | $5,050 | $355,000 |
| Refinance | 55 | 47 | 14.5% | 6.500% | +0.16 pts | $5,650 | $435,000 |
| Cash-out refinance | 44 | 35 | 20.4% | 6.625% | +0.24 pts | $5,370 | $435,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Towne Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Dare County | 2 | 39 | 7.4% |
| Hyde County | 5 | 1 | 5.0% |
| Pitt County | 7 | 78 | 3.5% |
| Currituck County | 8 | 24 | 3.2% |
| Beaufort County | 10 | 13 | 3.0% |
| New Hanover County | 11 | 64 | 1.9% |
| Washington County | 12 | 1 | 1.6% |
| Martin County | 13 | 3 | 1.9% |
| Harnett County | 14 | 80 | 2.0% |
| Person County | 15 | 5 | 1.1% |
| Warren County | 15 | 2 | 1.5% |
| Johnston County | 17 | 72 | 1.4% |
| Granville County | 18 | 10 | 1.2% |
| Camden County | 19 | 3 | 1.1% |
| Pender County | 20 | 17 | 1.2% |
| Franklin County | 23 | 19 | 1.2% |
| Orange County | 23 | 12 | 0.8% |
| Wake County | 25 | 210 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology