# Uwharrie Bank

> **Canonical URL:** https://saferate.com/lenders/uwharrie-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Uwharrie Bank is a bank, headquartered in Albemarle, NC, serving borrowers across 11 states, with 362 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 46% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493001LHLYJE6PHUL18
- **Headquarters:** Albemarle, NC
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AR, FL, GA, MA, NC, PA, SC, TN, TX, VA, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.245%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,528
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 362
- **Dollar Volume:** $134 million
- **Applications Received:** 456
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $370,193
- **Average Borrower Income:** $159,061
- **Average Property Value:** $503,398

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 309 | +0.259% | $1,448 | Sound ☺️ |
| FHA | 56/100 | 32 | +0.349% | $2,171 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 288 loans, Score: 52/100 (Sound)
- Refinance: 21 loans, Score: 33/100 (Acceptable)

**FHA:**
- Purchase: 30 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 337 | $127M | +0.260% | Sound ☺️ |
| Refinance | 32/100 | 25 | $7M | +0.094% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 330 | 0.22% | 76/100 |
| SC | 18 | 0.02% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Charlotte | NC-SC | 229 | 83/100 |
| Non |  | 83 | 53/100 |

## Where This Lender Ranks

Uwharrie Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in North Carolina for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#12** in Charlotte Banks
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/banks)
- 🏆 **#17** in Charlotte for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#18** in North Carolina Banks
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/banks)
- 🏆 **#18** in North Carolina for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#19** in Charlotte
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders)
- 🏆 **#19** in Charlotte for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Uwharrie Bank offer?

Uwharrie Bank offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Uwharrie Bank offer mortgages?

Uwharrie Bank offers mortgages in 11 states: AR, FL, GA, MA, NC, PA, SC, TN, TX, VA, WI.

### How competitive are Uwharrie Bank's mortgage rates?

Uwharrie Bank has a pricing score of 54/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.245% above market average.

### What type of lender is Uwharrie Bank?

Uwharrie Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Albemarle, NC.

### What is Uwharrie Bank's loan approval success rate?

Uwharrie Bank has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/uwharrie-bank

### How to Cite

> "Uwharrie Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/uwharrie-bank

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