Applications / Mortgage Analytics / Lenders / North Carolina / BlueHarbor Bank
Mooresville, NC · State non-member bank · FDIC · $607 million assets · 85 loans in 2025
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85
loans originated, 2025
98
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BlueHarbor Bank, a North Carolina bank, makes big loans to home buyers, and it made 23% more of them in 2025 while similar banks grew 9%.
Its typical loan was $395,000, higher than more than nine in ten similar lenders (state non-member banks making between half and twice as many loans). Theirs was $175,000. Jumbo loans, those larger than the conforming limit, made up 10.0% of its lending, against 1.6% at its peers. Most of its loans financed purchases.
It made 85 loans, up from 69 in 2024, while the whole market grew by 10%. In 2025 it first lent in Blacksburg-Christiansburg-Radford and in non-metro Tennessee. It filed no HMDA report for 2020 to 2022; those are gaps in the record, not years without lending.
Higher-priced loans, those with a rate well above the average for similar loans, made up 3.0% of its lending. That was down from 5.4% in 2024 and below the 5.3% at similar lenders. On 85 loans the difference amounts to only a few loans.
Low- and moderate-income (LMI) borrowers took 18.8% of its loans, up from 6.5% in 2024 but below its peers' 27.7%. Its larger loans may be one reason for the gap. In LMI neighborhoods it looks like its peers, at 17.6% against 18.5%. In Charlotte-Concord-Gastonia, its largest market, it ranks 133 of 775 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. BlueHarbor Bank took 98 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.1% · Refinance 23.5% · Home improvement 2.4%
Conventional 100.0% · of 85 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 | 79 | 92.9% |
| Virginia | 4 | 4.7% |
| South Carolina | 1 | 1.2% |
| Tennessee | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 52 |
| Hickory-Lenoir-Morganton | 6 |
| Winston-Salem | 3 |
| Raleigh-Cary | 2 |
| Richmond | 2 |
| Blacksburg-Christiansburg-Radford | 1 |
| Greensboro-High Point | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MW4XR7DUGZXU81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3636914 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358691 | 2009–2017 |
Established 8 January 2008. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: BlueHarbor Bank's data.
BlueHarbor Bank's data
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BlueHarbor 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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