Lender in North Carolina · HMDA 2025
The Federal Savings Bank mortgages in North Carolina
The Federal Savings Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
The Federal Savings Bank originated 345 owner-occupied single-family loans in North Carolina from 426 completed applications.
Its median conventional purchase loan costs were $6,040 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
345
of 426 applications
Denial rate
6.6%
Purchase · NC 7.6%
Rate spread
+0.50 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 | 122 | 113 | 6.6% | 6.625% | +0.50 pts | $6,040 | $345,000 |
| Refinance | 39 | 23 | 38.5% | — | — | — | $375,000 |
| Cash-out refinance | 265 | 209 | 17.7% | — | — | — | $345,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where The Federal Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Gates County | 15 | 2 | 1.9% |
| Vance County | 18 | 4 | 1.3% |
| Bertie County | 21 | 1 | 1.3% |
| Person County | 25 | 4 | 0.9% |
- The Federal Savings Bank nationwide
- North Carolina mortgage market
- The Federal Savings Bank in Illinois
- The Federal Savings Bank in New York
- The Federal Savings Bank in New Jersey
- The Federal Savings Bank in Virginia
- The Federal Savings Bank in Pennsylvania
- The Federal Savings Bank in Florida
- The Federal Savings Bank in Georgia
- The Federal Savings Bank in Ohio
- The Federal Savings Bank in California
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology