Applications / Mortgage Analytics / Lenders / North Carolina / Belmont Savings Bank
Belmont, NC · Savings institution · FDIC · $151 million assets · 50 loans in 2025
Belmont Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
50
loans originated, 2025
53
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Belmont Savings Bank, a small savings bank near Charlotte, has moved to bigger home-purchase loans; its typical loan reached $395,000 in 2025.
Its typical loan rose from $265,000 a year earlier to $395,000. Similar lenders, savings institutions making between half and twice as many loans, typically lent $245,000, and Belmont was higher than about three-quarters of them. Some 80.0% of its loans were for home purchase, and all were conventional.
Only 8.7% of its loans went to low- and moderate-income (LMI) borrowers, against 26.2% at similar lenders, among the lowest tenth. Yet 24.5% were in LMI tracts, against 17.2%. Its larger purchase loans may go to higher-income buyers in such neighborhoods. With 50 loans, a few loans either way move these shares.
It made 50 loans, down 9% from 55, while similar lenders held steady. Its dollar total still rose, to $21.2 million from $20.5 million, as its loans grew larger. It made 85 loans in 2020.
The bank has lent in Charlotte-Concord-Gastonia since 1991. Its share there held at 0.1%, ranking it 186 of 775 lenders. United Wholesale Mortgage and Rocket Mortgage lead the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Belmont Savings Bank took 53 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.0% · Refinance 18.0% · Home improvement 2.0%
Conventional 100.0% · of 50 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 | 44 | 88.0% |
| South Carolina | 5 | 10.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 48 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LVZ1O44BCREK60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 919773 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 4773 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1700773 | 2011–2017 |
Established 1 January 1915. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Belmont Savings Bank's data.
Belmont Savings Bank's data
$215
Belmont Savings 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.
Buy Belmont Savings Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]