First Federal Savings and Loan Association of Lakewood in North Carolina vs the state
7.7%Denial rate-10.37 pts vs state
7.7%Decision denial rate-15.13 pts vs state
92.3%Origination rate+34.50 pts vs state
6.53%Median rate+0.03 pts vs state
0.01Rate spread (pts)-0.07 pts vs state
$181kMedian applicant income
12Loans originated
1Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 8 | 0.0% | 6.20% | #630 |
| 2024 | 15 | 12 | 13.3% | 6.86% | #547 |
| 2025 | 13 | 12 | 7.7% | 6.53% | #587 |
What First Federal Savings and Loan Association of Lakewood 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 Federal Savings and Loan Association of Lakewood applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Forsyth County | 6 | 6 | 0 | 0.0% |
| Guilford County | 2 | 2 | 0 | 0.0% |
| Brunswick County | 1 | 1 | 0 | 0.0% |
| Stokes County | 1 | 1 | 0 | 0.0% |
| Rockingham County | 1 | 0 | 1 | 100.0% |
| Yadkin County | 1 | 1 | 0 | 0.0% |
| Davidson County | 1 | 1 | 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: 13 applications in 2025, of which 12 were originated and 1 denied.
7.7% of all applications, or 7.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans First Federal Savings and Loan Association of Lakewood originated in North Carolina in 2025 was 6.53%, against a statewide median of 6.50%.
About this data. Figures are First Federal Savings and Loan Association of Lakewood'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