Applications / Mortgage Analytics / Lenders / North Carolina / First Bank / Competition
First Bank
Southern Pines, NC · State member bank · FRS · $12.7 billion assets · 1,632 loans in 2025
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1,632
loans originated, 2025
2,199
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Who First Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO NORTH CAROLINA, 2025
First Bank ranks 20th of 762 lenders in non-metro North Carolina, with $137.3M lent: 1.1% of a $12.96B market.
non-metro North Carolina is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — WILMINGTON, NC, 2025
First Bank ranks 13th of 538 lenders in Wilmington, NC, with $120.9M lent: 1.9% of a $6.21B market.
Wilmington, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — ASHEVILLE, NC, 2025
First Bank ranks 13th of 422 lenders in Asheville, NC, with $73.5M lent: 1.4% of a $5.08B market.
Asheville, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 62% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — FAYETTEVILLE, NC, 2025
First Bank ranks 12th of 371 lenders in Fayetteville, NC, with $58.5M lent: 2.0% of a $2.93B market.
Fayetteville, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — GREENVILLE-ANDERSON-GREER, SC, 2025
First Bank ranks 39th of 589 lenders in Greenville-Anderson-Greer, SC, with $48.6M lent: 0.7% of a $7.37B market.
Greenville-Anderson-Greer, SC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI, 2025
First Bank ranks 488th of 688 lenders in Minneapolis-St. Paul-Bloomington, MN-WI, with $955K lent: 0.0% of a $27.60B market.
Minneapolis-St. Paul-Bloomington, MN-WI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — NON-METRO KENTUCKY, 2025
First Bank ranks 208th of 537 lenders in non-metro Kentucky, with $2.5M lent: 0.0% of a $5.26B market.
non-metro Kentucky is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — CHARLOTTESVILLE, VA, 2025
First Bank ranks 269th of 337 lenders in Charlottesville, VA, with $355K lent: 0.0% of a $1.91B market.
Charlottesville, VA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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First Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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