Applications / Mortgage Analytics / Lenders / North Carolina / Uwharrie Bank
Albemarle, NC · State member bank · FRS · $1.2 billion assets · 684 loans in 2025
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684
loans originated, 2025
846
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Uwharrie Bank is a North Carolina state member bank focused on home purchases, with more government-backed loans than similar lenders; its originations rose 6% to 684 in 2025.
Home purchases were 62.4% of its originations. FHA loans (insured by the Federal Housing Administration) were 9.5%, against 0.0% at similar lenders (state member banks making between half and twice as many loans), up from 2.5% five years before. VA loans (guaranteed by the Department of Veterans Affairs) were 2.6%, against 0.0%.
Originations rose 6%, against 7% at similar lenders and 10% for the whole market. It made 1,426 loans in 2020 and 645 in 2024. Its typical loan, $235,000, was larger than at about seven in ten peers, against $195,000.
Majority-minority areas took 17.1% of its loans, against 7.1% at peers, higher than about three-quarters of them, and up from 9.0% five years before. LMI (low- and moderate-income) borrowers took 28.3%, against 26.9%, up from 18.1%; LMI areas took 16.2%, near the middle.
Its largest market is Charlotte-Concord-Gastonia, where it ranked 49 of 775 with an unchanged 0.5% share, behind United Wholesale Mortgage and Rocket Mortgage. Its typical rate, 6.88%, was close to peers' 6.75%, and its higher-priced share (a rate well above the average for similar loans) was 1.1%, against 2.2%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Uwharrie Bank took 846 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.4% · Home improvement 14.8% · Refinance 14.8% · Other 8.0%
Conventional 87.3% · FHA 9.5% · VA 2.6% · USDA (RHS or FSA) 0.6% · of 684 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 646 | 94.4% |
| South Carolina | 23 | 3.4% |
| Texas | 4 | 0.6% |
| Michigan | 2 | 0.3% |
| Virginia | 2 | 0.3% |
| Alabama | 1 | 0.1% |
| California | 1 | 0.1% |
| Georgia | 1 | 0.1% |
| Illinois | 1 | 0.1% |
| Louisiana | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 405 |
| Greensboro-High Point | 12 |
| Wilmington | 11 |
| Winston-Salem | 11 |
| Hickory-Lenoir-Morganton | 3 |
| Myrtle Beach-Conway-North Myrtle Beach | 3 |
| Raleigh-Cary | 3 |
| Greenville-Anderson-Greer | 2 |
| Lynchburg | 2 |
| Asheville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001LHLYJE6PHUL18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 590220 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 324919 | 2003–2003 |
| Respondent ID (the HMDA filer code before 2018) | 2590220 | 2014–2017 |
Established 26 January 1984. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Uwharrie Bank's data.
Uwharrie Bank's data
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Uwharrie Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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