The Federal Savings Bank in North Carolina vs the state
7.9%Denial rate-10.12 pts vs state
16.2%Decision denial rate-6.61 pts vs state
40.0%Origination rate-17.83 pts vs state
6.50%Median rate0.00 pts vs state
0.32Rate spread (pts)+0.24 pts vs state
$90kMedian applicant income
413Loans originated
82Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,216 | 488 | 8.9% | 6.63% | #69 |
| 2024 | 1,114 | 434 | 8.0% | 6.63% | #73 |
| 2025 | 1,033 | 413 | 7.9% | 6.50% | #83 |
What The Federal 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 The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 98 | 32 | 9 | 9.2% |
| Wake County | 84 | 46 | 5 | 6.0% |
| Onslow County | 64 | 27 | 8 | 12.5% |
| Mecklenburg County | 62 | 17 | 8 | 12.9% |
| Harnett County | 39 | 16 | 2 | 5.1% |
| Guilford County | 36 | 11 | 5 | 13.9% |
| Johnston County | 29 | 14 | 1 | 3.4% |
| Forsyth County | 27 | 7 | 4 | 14.8% |
| Durham County | 24 | 12 | 2 | 8.3% |
| Wayne County | 24 | 5 | 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: 1,033 applications in 2025, of which 413 were originated and 82 denied.
7.9% of all applications, or 16.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans The Federal Savings Bank originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are The Federal 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