First Community Bank in North Carolina vs the state
24.3%Denial rate+6.25 pts vs state
29.5%Decision denial rate+6.71 pts vs state
55.8%Origination rate-2.01 pts vs state
7.50%Median rate+1.00 pts vs state
1.14Rate spread (pts)+1.05 pts vs state
$75kMedian applicant income
101Loans originated
44Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 84 | 47 | 27.4% | 7.75% | #308 |
| 2024 | 49 | 24 | 36.7% | 7.89% | #394 |
| 2025 | 181 | 101 | 24.3% | 7.50% | #241 |
What First Community Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most First Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Surry County | 62 | 40 | 13 | 21.0% |
| Alexander County | 38 | 18 | 13 | 34.2% |
| Wilkes County | 22 | 11 | 8 | 36.4% |
| Alleghany County | 16 | 10 | 3 | 18.8% |
| Watauga County | 14 | 4 | 4 | 28.6% |
| Stokes County | 6 | 4 | 1 | 16.7% |
| Avery County | 5 | 3 | 1 | 20.0% |
| Forsyth County | 4 | 2 | 0 | 0.0% |
| Catawba County | 4 | 2 | 0 | 0.0% |
| Yadkin County | 3 | 3 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 181 applications in 2025, of which 101 were originated and 44 denied.
24.3% of all applications, or 29.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans First Community Bank originated in North Carolina in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are First Community Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology