North State Bank
North State Bank received 607 applications in 2025 and made 501 mortgages, in 52 counties across 3 states. The median rate its borrowers got was 6.625% on a median loan of $345,000. Of 519 decisions, 13 were denials — 2.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300EDXX36BJ0X7583 |
|---|---|
| Applications received | 607 |
| Mortgages made | 501 |
| Denied | 13 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 88 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.004 points |
| FDIC-insured bank | Yes: North State Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 418 | 6.625% | $335,000 | 1.6% |
| Refinancing | 53 | 6.375% | $425,000 | 1.8% |
| Cash-out refinancing | 22 | 6.625% | $330,000 | 15.4% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 11.1% |
Where North State 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 |
|---|---|---|---|
| Wake County, NC | 184 | 6.563% | 3.1% |
| New Hanover County, NC | 69 | 6.625% | 2.8% |
| Franklin County, NC | 41 | 6.250% | 2.4% |
| Brunswick County, NC | 32 | 6.500% | 0.0% |
| Johnston County, NC | 26 | 6.495% | 3.6% |
| Durham County, NC | 24 | 6.625% | 4.0% |
| Granville County, NC | 15 | 6.500% | 0.0% |
| Harnett County, NC | 13 | 6.500% | 0.0% |
| Carteret County, NC | 7 | Under 10 loans | 0.0% |
| Onslow County, NC | 7 | Under 10 loans | 0.0% |
| Pender County, NC | 7 | Under 10 loans | 0.0% |
| Wilson County, NC | 7 | Under 10 loans | 0.0% |
| Nash County, NC | 6 | Under 10 loans | 0.0% |
| Chatham County, NC | 4 | Under 10 loans | 0.0% |
| Forsyth County, NC | 4 | Under 10 loans | 0.0% |
| Alamance County, NC | 3 | Under 10 loans | 0.0% |
| Cumberland County, NC | 3 | Under 10 loans | 0.0% |
| Orange County, NC | 3 | Under 10 loans | 25.0% |
| Pitt County, NC | 3 | Under 10 loans | 0.0% |
| Wayne County, NC | 3 | Under 10 loans | 0.0% |
| Ashe County, NC | 2 | Under 10 loans | 0.0% |
| Columbus County, NC | 2 | Under 10 loans | 0.0% |
| Davidson County, NC | 2 | Under 10 loans | 0.0% |
| Edgecombe County, NC | 2 | Under 10 loans | 33.3% |
| Mecklenburg County, NC | 2 | Under 10 loans | 0.0% |
| Northampton County, NC | 2 | Under 10 loans | 0.0% |
| Person County, NC | 2 | Under 10 loans | 0.0% |
| Vance County, NC | 2 | Under 10 loans | 0.0% |
| Watauga County, NC | 2 | Under 10 loans | 0.0% |
| Horry County, SC | 2 | Under 10 loans | 0.0% |
| Beaufort County, NC | 1 | Under 10 loans | 0.0% |
| Craven County, NC | 1 | Under 10 loans | 0.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Duplin County, NC | 1 | Under 10 loans | 0.0% |
| Greene County, NC | 1 | Under 10 loans | 0.0% |
| Guilford County, NC | 1 | Under 10 loans | 0.0% |
| Halifax County, NC | 1 | Under 10 loans | 0.0% |
| Lee County, NC | 1 | Under 10 loans | 0.0% |
| Moore County, NC | 1 | Under 10 loans | 0.0% |
| Pamlico County, NC | 1 | Under 10 loans | 0.0% |
| Rutherford County, NC | 1 | Under 10 loans | 0.0% |
| Sampson County, NC | 1 | Under 10 loans | 0.0% |
| Transylvania County, NC | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| York County, SC | 1 | Under 10 loans | 0.0% |
| Bedford County, VA | 1 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 1 | Under 10 loans | 0.0% |
| Franklin County, VA | 1 | Under 10 loans | 0.0% |
| Newport News city, VA | 1 | Under 10 loans | 0.0% |
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When North State Bank’s figures are published for the next year, or restated.
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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.