Uwharrie Bank closing costs and rates (2024)
In 2024, Uwharrie Bank originated 303 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $4,773. That is $1,968 below the national median of $6,741. Uwharrie Bank is most active in North Carolina with 278 originations there.
Purchase Originations
303
Median Total Costs
$4,773
−29.2% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,789
Median Lender Credits
$301
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 259 | 6.875% | $4,539 | $1,378 |
| fha | 31 | 6.500% | $10,433 | $3,151 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 278 | 6.750% | $4,759 | #84 |
| South Carolina | 15 | 6.500% | $6,093 | — |
| Florida | 2 | 6.250% | $8,214 | — |
| Virginia | 2 | 6.812% | $6,059 | — |
| Arkansas | 1 | 7.375% | $1,997 | — |
| Georgia | 1 | 5.625% | $8,408 | — |
| Pennsylvania | 1 | 7.375% | $3,021 | — |
| Tennessee | 1 | 6.500% | $4,851 | — |
| Texas | 1 | 7.375% | $5,585 | — |
| Wisconsin | 1 | 6.000% | $2,295 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,312 | 6.875% | — | 8 | −$2,461 | |
| 2 | $3,635 | 7.000% | — | 49 | −$1,138 | |
| 3 | $3,793 | 7.062% | — | 4 | −$980 | |
| 4 | $3,924 | 6.562% | — | 4 | −$849 | |
| 5 | $4,158 | 6.750% | — | 10 | −$615 | |
| 6 | $4,519 | 7.250% | — | 2 | −$254 | |
| 7 | $4,864 | 6.625% | — | 80 | +$91 | |
| 8 | $4,875 | 6.875% | — | 11 | +$102 | |
| 9 | $4,890 | 7.000% | — | 5 | +$117 | |
| 10 | $5,224 | 6.938% | — | 8 | +$451 | |
| 11 | $5,224 | 6.375% | — | 2 | +$451 | |
| 12 | $5,245 | 6.527% | — | 2 | +$472 | |
| 13 | $5,379 | 6.875% | — | 43 | +$606 | |
| 14 | $5,969 | 6.658% | — | 2 | +$1,196 | |
| 15 | $5,992 | 6.750% | — | 4 | +$1,219 | |
| 16 | $6,170 | 6.750% | — | 21 | +$1,397 | |
| 17 | $6,514 | 6.625% | — | 5 | +$1,741 | |
| 18 | $6,539 | 6.312% | — | 14 | +$1,766 | |
| 19 | $6,871 | 6.040% | — | 2 | +$2,098 | |
| 20 | $9,340 | 6.875% | — | 3 | +$4,567 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.