Applications / Mortgage Analytics / Lenders / North Carolina / KS Bank
Smithfield, NC · Savings institution · FDIC · $822 million assets · 124 loans in 2025
KS Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
124
loans originated, 2025
139
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
KS Bank makes more than half its loans in poorer neighborhoods, a higher share than any similar lender.
Low- and moderate-income (LMI) neighborhoods took 54.5% of its loans, against 17.0% at similar lenders (savings institutions making between half and twice as many loans), the highest of them. Majority-minority neighborhoods took 23.4%, against 5.3%. Its share to LMI borrowers, 24.2%, was in line with peers' 24.7%.
Purchases were 83.9% of its lending, and every loan was conventional. Its typical loan was $305,000, against $245,000 at similar lenders.
It made 124 loans, up 20% from 103, against 6% at similar lenders and 10% for the whole market. That was faster than at about three in four of them. It has made between 103 and 144 loans a year since 2019.
In Goldsboro it ranked 27 of 220 lenders, with 0.8% of lending against 0.9% a year earlier; State Employees' Credit Union leads there. In Raleigh-Cary it held 0.2%, ranking 91 of 638. With 124 loans spread over 18 counties, small moves in these shares mean little.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. KS Bank took 139 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.9% · Refinance 12.9% · Home improvement 3.2%
Conventional 100.0% · of 124 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 124 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Raleigh-Cary | 74 |
| Goldsboro | 18 |
| Rocky Mount | 4 |
| Durham-Chapel Hill | 2 |
| Wilmington | 2 |
| Fayetteville | 1 |
| Greenville | 1 |
| Jacksonville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PW5EE7M05BEZ97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 416674 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 329771 | 1994–2017 |
Established 1 January 1924. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: KS Bank's data.
KS Bank's data
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KS 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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