Lender in North Carolina · HMDA 2025
First Federal Bank mortgages in North Carolina
First Federal Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
First Federal Bank originated 210 owner-occupied single-family loans in North Carolina from 238 completed applications.
Its median conventional purchase loan costs were $4,510 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.375% (North Carolina: 6.50%).
Loans in NC
210
of 238 applications
Denial rate
8.6%
Purchase · NC 7.6%
Rate spread
−0.11 pts
Conv. · NC +0.04 pts
Loan amount
$325,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 197 | 179 | 8.6% | 6.375% | −0.11 pts | $4,510 | $325,000 |
| Refinance | 28 | 21 | 25.0% | — | — | — | $405,000 |
| Cash-out refinance | 13 | 10 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where First Federal Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Anson County | 14 | 4 | 2.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology