Lender in North Carolina · HMDA 2025
First Community Mortgage, Inc. mortgages in North Carolina
First Community Mortgage, Inc.'s 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
First Community Mortgage, Inc. originated 309 owner-occupied single-family loans in North Carolina from 388 completed applications.
Its median conventional purchase loan costs were $6,750 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
309
of 388 applications
Denial rate
8.2%
Purchase · NC 7.6%
Rate spread
+0.25 pts
Conv. · NC +0.04 pts
Loan amount
$345,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 343 | 277 | 8.2% | 6.625% | +0.25 pts | $6,750 | $345,000 |
| Refinance | 32 | 24 | 9.4% | 6.625% | +0.03 pts | $8,290 | $385,000 |
| Cash-out refinance | 13 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where First Community Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Macon County | 7 | 11 | 2.5% |
| Clay County | 7 | 6 | 4.5% |
| Jackson County | 11 | 7 | 2.4% |
| Swain County | 16 | 2 | 1.8% |
| Cherokee County | 20 | 3 | 0.9% |
- First Community Mortgage, Inc. nationwide
- North Carolina mortgage market
- First Community Mortgage, Inc. in Tennessee
- First Community Mortgage, Inc. in Ohio
- First Community Mortgage, Inc. in Michigan
- First Community Mortgage, Inc. in Florida
- First Community Mortgage, Inc. in Virginia
- First Community Mortgage, Inc. in Georgia
- First Community Mortgage, Inc. in Alabama
- First Community Mortgage, Inc. in Pennsylvania
- First Community Mortgage, Inc. in Kentucky
- First Community Mortgage, Inc. in Indiana
- First Community Mortgage, Inc. in Arkansas
- First Community Mortgage, Inc. in Mississippi
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology