Applications / Mortgage Analytics / Lenders / North Carolina / Uwharrie Bank / Competition
Uwharrie Bank
Albemarle, NC · State member bank · FRS · $1.2 billion assets · 684 loans in 2025
Uwharrie Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
684
loans originated, 2025
846
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Who Uwharrie Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — CHARLOTTE-CONCORD-GASTONIA, NC-SC, 2025
Uwharrie Bank ranks 49th of 775 lenders in Charlotte-Concord-Gastonia, NC-SC, with $131.3M lent: 0.5% of a $28.47B market.
Charlotte-Concord-Gastonia, NC-SC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Uwharrie Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO NORTH CAROLINA, 2025
Uwharrie Bank ranks 57th of 762 lenders in non-metro North Carolina, with $45.7M lent: 0.4% of a $12.96B market.
non-metro North Carolina is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Uwharrie Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — WILMINGTON, NC, 2025
Uwharrie Bank ranks 170th of 538 lenders in Wilmington, NC, with $4.3M lent: 0.1% of a $6.21B market.
Wilmington, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Uwharrie Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — HICKORY-LENOIR-MORGANTON, NC, 2025
Uwharrie Bank ranks 81st of 374 lenders in Hickory-Lenoir-Morganton, NC, with $4.3M lent: 0.2% of a $2.28B market.
Hickory-Lenoir-Morganton, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Uwharrie Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — WINSTON-SALEM, NC, 2025
Uwharrie Bank ranks 142nd of 465 lenders in Winston-Salem, NC, with $3.4M lent: 0.1% of a $3.99B market.
Winston-Salem, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Uwharrie Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — CHICAGO-NAPERVILLE-ELGIN, IL-IN, 2025
Uwharrie Bank ranks 673rd of 902 lenders in Chicago-Naperville-Elgin, IL-IN, with $805K lent: 0.0% of a $59.50B market.
Chicago-Naperville-Elgin, IL-IN is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Uwharrie Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — HOUSTON-PASADENA-THE WOODLANDS, TX, 2025
Uwharrie Bank ranks 735th of 929 lenders in Houston-Pasadena-The Woodlands, TX, with $635K lent: 0.0% of a $43.85B market.
Houston-Pasadena-The Woodlands, TX is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Uwharrie Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — BATON ROUGE, LA, 2025
Uwharrie Bank ranks 273rd of 369 lenders in Baton Rouge, LA, with $355K lent: 0.0% of a $3.67B market.
Baton Rouge, LA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Uwharrie Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
Uwharrie Bank's data
$215
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.
Buy Uwharrie Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]