First Federal Savings Bank of Lincolnton in North Carolina vs the state
11.6%Denial rate-6.50 pts vs state
12.2%Decision denial rate-10.62 pts vs state
76.3%Origination rate+18.49 pts vs state
—Median rate
—Rate spread (pts)
$128kMedian applicant income
132Loans originated
20Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 192 | 164 | 8.9% | — | #193 |
| 2024 | 166 | 132 | 10.8% | — | #235 |
| 2025 | 173 | 132 | 11.6% | — | #247 |
What First Federal Savings Bank of Lincolnton 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 Bank of Lincolnton applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lincoln County | 117 | 86 | 13 | 11.1% |
| Catawba County | 28 | 24 | 4 | 14.3% |
| Gaston County | 14 | 10 | 2 | 14.3% |
| Mecklenburg County | 4 | 4 | 0 | 0.0% |
| Cleveland County | 4 | 4 | 0 | 0.0% |
| Iredell County | 3 | 1 | 1 | 33.3% |
| Alexander County | 1 | 1 | 0 | 0.0% |
| Watauga County | 1 | 1 | 0 | 0.0% |
| Caldwell 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: 173 applications in 2025, of which 132 were originated and 20 denied.
11.6% of all applications, or 12.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Federal Savings Bank of Lincolnton'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