Lender profile · HMDA 2023–2025
North State Bank mortgage approval rates & lending data
North State Bank decided 1,416 mortgage applications and funded 1,328 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 1,038 / 1,070 | 97% | $345K | 1,008 |
| Cash-out refinance | 86% | 30 / 35 | 97% | $335K | 29 |
| Refinance | 98% | 57 / 58 | 93% | $425K | 53 |
| Investment property purchase | 97% | 176 / 182 | 98% | $265K | 173 |
| Investment cash-out refinance | 94% | 34 / 36 | 100% | $225K | 34 |
North State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 96% | $345K | 1,400 | 1,312 |
| South Carolina | 100% | $355K | 13 | 13 |
| Virginia | 100% | $395K | 3 | 3 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.