HMDA RESEARCH
North Carolina mortgage activity
Annual public HMDA data. Reported activity does not establish current availability, approval likelihood or licensing.
| Year | Loan type | Purpose | Applications | Originations | Purchased | Reported volume | Average amount |
|---|---|---|---|---|---|---|---|
| 2025 | Conventional | Purchase | 165,500 | 106,371 | 24,013 | $41,109,805,000 | $386,476 |
| 2025 | Conventional | Improvement | 48,963 | 24,563 | 605 | $3,140,395,000 | $127,851 |
| 2025 | Conventional | Other | 52,135 | 24,101 | 1,095 | $3,763,755,000 | $156,166 |
| 2025 | Conventional | Not applicable | 60 | 10 | 211 | $147,900,000 | $14,790,000 |
| 2025 | Conventional | Refinance | 52,498 | 30,984 | 3,455 | $13,063,010,000 | $421,605 |
| 2025 | Conventional | Cash-out refinance | 45,552 | 24,025 | 6,247 | $5,779,915,000 | $240,579 |
| 2025 | FHA | Purchase | 32,567 | 22,805 | 11,406 | $6,859,725,000 | $300,799 |
| 2025 | FHA | Improvement | 350 | 125 | 55 | $15,795,000 | $126,360 |
| 2025 | FHA | Other | 1,476 | 509 | 49 | $111,405,000 | $218,870 |
| 2025 | FHA | Not applicable | 59 | 28 | 565 | $32,740,000 | $1,169,286 |
| 2025 | FHA | Refinance | 10,756 | 4,739 | 702 | $1,431,045,000 | $301,972 |
| 2025 | FHA | Cash-out refinance | 18,093 | 7,020 | 1,879 | $1,625,840,000 | $231,601 |
| 2025 | VA | Purchase | 26,168 | 19,428 | 9,183 | $6,963,650,000 | $358,434 |
| 2025 | VA | Improvement | 48 | 15 | 43 | $5,995,000 | $399,667 |
| 2025 | VA | Other | 156 | 32 | 2 | $7,520,000 | $235,000 |
| 2025 | VA | Not applicable | 3 | 2 | 103 | $1,850,000 | $925,000 |
| 2025 | VA | Refinance | 17,963 | 9,519 | 847 | $3,353,805,000 | $352,327 |
| 2025 | VA | Cash-out refinance | 15,222 | 5,601 | 1,430 | $1,844,575,000 | $329,330 |
| 2025 | USDA | Purchase | 1,820 | 1,246 | 829 | $315,290,000 | $253,042 |
| 2025 | USDA | Other | 4 | 0 | 0 | Not available | Not available |
| 2025 | USDA | Not applicable | 7 | 5 | 35 | $3,625,000 | $725,000 |
| 2025 | USDA | Refinance | 66 | 28 | 4 | $6,610,000 | $236,071 |
| 2025 | USDA | Cash-out refinance | 6 | 3 | 0 | $495,000 | $165,000 |
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