North State Bank mortgage approval rate & lending review
North State Bank decided 1,416 mortgage applications and funded 1,328 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions North State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
North State Bank at a glance
Approval is 10.6 points above the 85.8% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where North State Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wake County, NC | Mortgage lenders | 96% | 474 | 443 |
| Johnston County, NC | Mortgage lenders | 95% | 186 | 172 |
| New Hanover County, NC | Mortgage lenders | 100% | 165 | 161 |
| Brunswick County, NC | Mortgage lenders | 100% | 62 | 61 |
| Wake County, NC | Investment property purchase | 95% | 57 | 53 |
| Durham County, NC | Mortgage lenders | 95% | 43 | 39 |
| New Hanover County, NC | Investment property purchase | 98% | 40 | 39 |
| Wake County, NC | Refinance | 97% | 36 | 34 |
| Brunswick County, NC | Investment property purchase | 96% | 24 | 23 |
| Durham County, NC | Investment property purchase | 95% | 21 | 20 |
| Onslow County, NC | Mortgage lenders | 100% | 21 | 18 |
| Wake County, NC | Cash-out refinance | 90% | 21 | 18 |
The county markets where North State Bank made the most loans. Each link opens that market with every lender ranked.
Questions about North State Bank
What is North State Bank's mortgage approval rate?
North State Bank approved 96.5% of the 1,416 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.6 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan North State Bank offers?
Borrowers accepted 97% of the loans North State Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does North State Bank make?
The typical home purchase mortgage loan North State Bank made was $345K; across all loan types its typical loan ran from $225K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does North State Bank lend?
North State Bank decided applications in 3 of the states Fat Boy Data covers, most of them in North Carolina, South Carolina and Virginia.
Can I apply to North State Bank directly?
Yes. North State Bank is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show North State Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how North State Bank treats applications, then get a rate quote from the lender.