Uwharrie Bank mortgage approval rate & lending review
Uwharrie Bank decided 1,161 mortgage applications and funded 1,098 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Uwharrie Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Uwharrie Bank at a glance
Approval is 13.2 points above the 82.2% 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 | 98% | 741 / 757 | 100% | $335K | 738 |
| Home improvement loans | 88% | 151 / 171 | 99% | $105K | 149 |
| Refinance | 84% | 93 / 111 | 99% | $195K | 92 |
| Investment property purchase | 100% | 85 / 85 | 96% | $265K | 82 |
Uwharrie Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 96% | $335K | 1,052 | 1,000 |
| South Carolina | 90% | $425K | 77 | 68 |
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 Uwharrie Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Mecklenburg County, NC | Mortgage lenders | 98% | 267 | 260 |
| Cabarrus County, NC | Mortgage lenders | 99% | 147 | 146 |
| Rowan County, NC | Mortgage lenders | 98% | 58 | 57 |
| Union County, NC | Mortgage lenders | 98% | 57 | 56 |
| Cabarrus County, NC | Home improvement loans | 87% | 63 | 54 |
| Mecklenburg County, NC | Home improvement loans | 93% | 57 | 52 |
| Cabarrus County, NC | Refinance | 85% | 47 | 39 |
| Iredell County, NC | Mortgage lenders | 94% | 35 | 33 |
| Mecklenburg County, NC | Investment property purchase | 100% | 32 | 32 |
The county markets where Uwharrie Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Uwharrie Bank
What is Uwharrie Bank's mortgage approval rate?
Uwharrie Bank approved 95.3% of the 1,161 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.2 points above the 82.2% national rate for the same mix of loan types.
How often do borrowers take the loan Uwharrie Bank offers?
Borrowers accepted 99% of the loans Uwharrie 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 Uwharrie Bank make?
The typical home purchase mortgage loan Uwharrie Bank made was $335K; across all loan types its typical loan ran from $105K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Uwharrie Bank lend?
Uwharrie Bank decided applications in 21 of the states Fat Boy Data covers, most of them in North Carolina, South Carolina and Florida.
Can I apply to Uwharrie Bank directly?
Yes. Uwharrie Bank is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Uwharrie 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 Uwharrie Bank treats applications, then get a rate quote from the lender.