Lender in North Carolina · HMDA 2025
First Bank mortgages in North Carolina
First Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
First Bank originated 567 owner-occupied single-family loans in North Carolina from 619 completed applications.
Its median conventional purchase loan costs were $4,800 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 3.00% (North Carolina: 6.50%).
Loans in NC
567
of 619 applications
Denial rate
6.2%
Purchase · NC 7.6%
Rate spread
+0.14 pts
Conv. · NC +0.04 pts
Loan amount
$355,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 546 | 508 | 6.2% | 3.000% | +0.14 pts | $4,800 | $355,000 |
| Refinance | 34 | 29 | 11.8% | — | −0.10 pts | $3,080 | $145,000 |
| Cash-out refinance | 39 | 30 | 23.1% | — | +0.32 pts | $3,540 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where First Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Madison County | 7 | 7 | 3.6% |
| McDowell County | 8 | 9 | 2.0% |
| Montgomery County | 8 | 7 | 2.6% |
| Richmond County | 9 | 10 | 3.1% |
| Yancey County | 9 | 3 | 1.8% |
| Bladen County | 10 | 4 | 2.1% |
| Beaufort County | 11 | 11 | 2.5% |
| Henderson County | 13 | 27 | 1.6% |
| Bertie County | 13 | 1 | 1.3% |
| Orange County | 14 | 23 | 1.5% |
| Scotland County | 15 | 4 | 1.5% |
| Moore County | 16 | 44 | 1.9% |
| Buncombe County | 17 | 35 | 1.2% |
| Transylvania County | 17 | 4 | 1.4% |
| Columbus County | 18 | 4 | 1.1% |
| Lee County | 19 | 12 | 1.1% |
| Brunswick County | 20 | 56 | 1.3% |
| Duplin County | 20 | 4 | 1.1% |
| Randolph County | 21 | 20 | 1.1% |
| Stanly County | 21 | 11 | 1.0% |
| Polk County | 21 | 2 | 0.9% |
| Pender County | 22 | 16 | 1.2% |
| Carteret County | 23 | 10 | 0.9% |
| Clay County | 23 | 1 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology