Purchase Originations
362
Median Total Costs
$4,897
−26.7% vs national ($6,680)
↑ $124 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,671
Median Lender Credits
$117
Denial Rate
1.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 282 | 6.750% | $4,546 | $1,507 |
| fha | 63 | 6.250% | $9,043 | $1,952 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 335 | 6.625% | $4,882 | #73 |
| South Carolina | 14 | 6.465% | $5,044 | — |
| Texas | 3 | 6.125% | $14,368 | — |
| Michigan | 2 | 6.625% | $6,928 | — |
| Alabama | 1 | 6.250% | $3,095 | — |
| California | 1 | 6.490% | $6,013 | — |
| Georgia | 1 | 6.000% | $7,913 | — |
| Illinois | 1 | 6.490% | $5,771 | — |
| Louisiana | 1 | 5.750% | $14,914 | — |
| Ohio | 1 | 6.500% | $185 | — |
| Tennessee | 1 | 5.910% | $13,110 | — |
| Virginia | 1 | 7.125% | $4,813 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,152 | 6.500% | — | 2 | −$2,745 | |
| 2 | $2,473 | 6.490% | — | 3 | −$2,424 | |
| 3 | $3,008 | 6.625% | — | 3 | −$1,889 | |
| 4 | $3,692 | 6.750% | — | 15 | −$1,205 | |
| 5 | $3,893 | 6.562% | — | 4 | −$1,004 | |
| 6 | $4,051 | 6.625% | — | 10 | −$846 | |
| 7 | $4,057 | 6.688% | — | 42 | −$840 | |
| 8 | $4,070 | 6.875% | — | 15 | −$827 | |
| 9 | $4,174 | 6.500% | — | 3 | −$723 | |
| 10 | $4,660 | 6.310% | — | 2 | −$237 | |
| 11 | $4,795 | 6.625% | — | 99 | −$102 | |
| 12 | $4,967 | 6.875% | — | 59 | +$70 | |
| 13 | $5,195 | 6.375% | — | 3 | +$298 | |
| 14 | $5,430 | 6.812% | — | 18 | +$533 | |
| 15 | $5,456 | 6.750% | — | 2 | +$559 | |
| 16 | $5,623 | 6.750% | — | 21 | +$726 | |
| 17 | $6,061 | 6.188% | — | 6 | +$1,164 | |
| 18 | $6,245 | 6.438% | — | 8 | +$1,348 | |
| 19 | $7,764 | 6.500% | — | 15 | +$2,867 | |
| 20 | $8,954 | 6.250% | — | 3 | +$4,057 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Uwharrie Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $290,000 | $335,000 | −$45,000 (−13.4%) |
| Median total closing costs | $4,897 | $7,127 | −$2,230 (−31.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.