Uwharrie Bank in North Carolina vs the state
5.2%Denial rate-12.90 pts vs state
5.9%Decision denial rate-16.90 pts vs state
81.3%Origination rate+23.45 pts vs state
7.00%Median rate+0.50 pts vs state
0.28Rate spread (pts)+0.19 pts vs state
$106kMedian applicant income
646Loans originated
41Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 729 | 594 | 6.5% | 7.50% | #94 |
| 2024 | 747 | 603 | 6.4% | 7.38% | #97 |
| 2025 | 795 | 646 | 5.2% | 7.00% | #101 |
What Uwharrie Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Uwharrie Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stanly County | 202 | 164 | 20 | 9.9% |
| Mecklenburg County | 188 | 157 | 4 | 2.1% |
| Cabarrus County | 138 | 113 | 7 | 5.1% |
| Rowan County | 38 | 27 | 3 | 7.9% |
| Montgomery County | 34 | 30 | 0 | 0.0% |
| Union County | 33 | 30 | 1 | 3.0% |
| Iredell County | 30 | 25 | 1 | 3.3% |
| Gaston County | 24 | 16 | 1 | 4.2% |
| Anson County | 24 | 20 | 0 | 0.0% |
| Brunswick County | 9 | 9 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 795 applications in 2025, of which 646 were originated and 41 denied.
5.2% of all applications, or 5.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Uwharrie Bank originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Uwharrie Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology