Finance Atlas

Banking & Mortgage-Lending Access in North Carolina

453 FDIC-insured institutions (38 currently active) are recorded in North Carolina in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 25.0% in North Carolina.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

453
FDIC institutions (total)
38
Currently active
25.0%
Overall denial rate (HMDA 2024)
256,370
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in North Carolina?

FDIC BankFind records 453 FDIC-insured institutions (all historical) in North Carolina, of which 38 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 453
Currently active 38

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in North Carolina?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for North Carolina:

Charter class Description Count
NM State non-member bank (Fed non-member) 202
SL Savings institution (state-chartered S&L) 89
SI Savings institution (OTS-supervised) 58
N National bank (OCC-chartered) 36
SB Savings bank (state-chartered) 35
SM State member bank (Fed member) 33

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in North Carolina? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 25.0% in North Carolina. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 25.0%
White applicants 21.3%
Black applicants 38.4%
Black/White denial rate ratio 1.80x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=NC

Mortgage origination volume in North Carolina (2024)

HMDA 2024 data record 256,370 originated mortgage loans in North Carolina , totaling $76.8B , with an average loan size of $299,560.

Metric Value
Originated loans (2024) 256,370
Total origination volume $76.8B
Average loan size $299,560

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=NC

Data exported June 20, 2026 · content hash eb7d52416ffa176b · machine-readable brief: /finance/states/nc/context.md

Where to act