Uwharrie Bank
Uwharrie Bank received 846 applications in 2025 and made 684 mortgages, in 63 counties across 12 states. The median rate its borrowers got was 6.875% on a median loan of $235,000. Of 737 decisions, 46 were denials — 6.2%, most often for credit history.
| Legal Entity Identifier | 5493001LHLYJE6PHUL18 |
|---|---|
| Applications received | 846 |
| Mortgages made | 684 |
| Denied | 46 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 109 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.278 points |
| FDIC-insured bank | Yes: Uwharrie Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 427 | 6.750% | $285,000 | 1.6% |
| Refinancing | 83 | 7.500% | $155,000 | 15.2% |
| Cash-out refinancing | 18 | 6.938% | $370,000 | 5.3% |
| Other purposes | 156 | 7.500% | $105,000 | 12.6% |
Where Uwharrie Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Stanly County, NC | 164 | 7.500% | 10.7% |
| Mecklenburg County, NC | 157 | 6.875% | 2.5% |
| Cabarrus County, NC | 113 | 7.000% | 5.8% |
| Montgomery County, NC | 30 | 7.000% | 0.0% |
| Union County, NC | 30 | 7.000% | 3.2% |
| Rowan County, NC | 27 | 6.750% | 10.0% |
| Iredell County, NC | 25 | 6.875% | 3.9% |
| Anson County, NC | 20 | 6.938% | 0.0% |
| Gaston County, NC | 16 | 6.563% | 5.9% |
| York County, SC | 10 | 6.563% | 9.1% |
| Brunswick County, NC | 9 | Under 10 loans | 0.0% |
| Randolph County, NC | 9 | Under 10 loans | 0.0% |
| Davidson County, NC | 4 | Under 10 loans | 20.0% |
| Forsyth County, NC | 4 | Under 10 loans | 0.0% |
| Rutherford County, NC | 4 | Under 10 loans | 0.0% |
| Watauga County, NC | 4 | Under 10 loans | 0.0% |
| Lancaster County, SC | 4 | Under 10 loans | 0.0% |
| Catawba County, NC | 3 | Under 10 loans | 0.0% |
| Cleveland County, NC | 3 | Under 10 loans | 0.0% |
| Guilford County, NC | 3 | Under 10 loans | 0.0% |
| Lincoln County, NC | 3 | Under 10 loans | 25.0% |
| Wake County, NC | 3 | Under 10 loans | 0.0% |
| Horry County, SC | 3 | Under 10 loans | 0.0% |
| Davie County, NC | 2 | Under 10 loans | 0.0% |
| New Hanover County, NC | 2 | Under 10 loans | 0.0% |
| Lynchburg city, VA | 2 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| East Baton Rouge Parish, LA | 1 | Under 10 loans | 0.0% |
| Calhoun County, MI | 1 | Under 10 loans | 0.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
| Buncombe County, NC | 1 | Under 10 loans | 0.0% |
| Carteret County, NC | 1 | Under 10 loans | 0.0% |
| Cumberland County, NC | 1 | Under 10 loans | 50.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Durham County, NC | 1 | Under 10 loans | 0.0% |
| Haywood County, NC | 1 | Under 10 loans | 0.0% |
| Jackson County, NC | 1 | Under 10 loans | 0.0% |
| McDowell County, NC | 1 | Under 10 loans | 0.0% |
| Moore County, NC | 1 | Under 10 loans | 50.0% |
| Pasquotank County, NC | 1 | Under 10 loans | 0.0% |
| Stokes County, NC | 1 | Under 10 loans | 0.0% |
| Trumbull County, OH | 1 | Under 10 loans | 0.0% |
| Chesterfield County, SC | 1 | Under 10 loans | 0.0% |
| Georgetown County, SC | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| Lexington County, SC | 1 | Under 10 loans | 0.0% |
| Pickens County, SC | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.