2025 activity year · Official source proof
North Carolina mortgage market
Reported mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated57.4% · 281,159
Approved, not accepted3.3% · 15,937
Denied17.9% · 87,837
Withdrawn13.8% · 67,731
File closed for incompleteness6.9% · 33,712
Preapproval denied0.1% · 459
Preapproval approved, not accepted0.5% · 2,637
“Originated” means the reported application resulted in a loan. It is not an approval probability for a future applicant.
Loan purpose
Why people applied
46%Home purchase
- Home purchase46.2%
- Home improvement10.1%
- Other purpose11.0%
- Not applicable0.0%
- Refinancing16.6%
- Cash-out refinancing16.1%
Next source gate
Denial reasons are not published yet.
That analysis requires the raw modified-LAR pipeline, reason-code reconciliation, and small-cell review. We will not fill the gap with estimates or unsupported conclusions.
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Data provenance
Every published number will carry its source.
This profile identifies the activity year, cohort rules, source endpoint, response hash, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 2, 2026.