First Savings Bank in North Carolina vs the state
45.2%Denial rate+27.18 pts vs state
46.3%Decision denial rate+23.52 pts vs state
52.4%Origination rate-5.43 pts vs state
7.63%Median rate+1.13 pts vs state
0.34Rate spread (pts)+0.25 pts vs state
$134kMedian applicant income
22Loans originated
19Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 108 | 57 | 8.3% | 6.75% | #279 |
| 2024 | 39 | 14 | 53.9% | 7.50% | #420 |
| 2025 | 42 | 22 | 45.2% | 7.63% | #421 |
What First Savings 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 Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 6 | 3 | 3 | 50.0% |
| Guilford County | 6 | 2 | 4 | 66.7% |
| Catawba County | 5 | 1 | 3 | 60.0% |
| Brunswick County | 3 | 2 | 1 | 33.3% |
| Mecklenburg County | 3 | 2 | 1 | 33.3% |
| Yancey County | 2 | 2 | 0 | 0.0% |
| Durham County | 2 | 1 | 1 | 50.0% |
| Wake County | 2 | 2 | 0 | 0.0% |
| Gaston County | 1 | 1 | 0 | 0.0% |
| Alexander 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: 42 applications in 2025, of which 22 were originated and 19 denied.
45.2% of all applications, or 46.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans First Savings Bank originated in North Carolina in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are First Savings 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