Applications / Mortgage Analytics / Lenders / North Carolina / First Carolina Bank / Competition
First Carolina Bank
Rocky Mount, NC · State non-member bank · FDIC · $3.3 billion assets · 104 loans in 2025
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104
loans originated, 2025
129
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Who First Carolina 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 — ATLANTA-SANDY SPRINGS-ALPHARETTA, GA, 2025
First Carolina Bank ranks 233rd of 892 lenders in Atlanta-Sandy Springs-Alpharetta, GA, with $28.7M lent: 0.1% of a $52.32B market.
Atlanta-Sandy Springs-Alpharetta, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Carolina 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. 2 — GAINESVILLE, GA, 2025
First Carolina Bank ranks 13th of 336 lenders in Gainesville, GA, with $28.1M lent: 1.7% of a $1.67B market.
Gainesville, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Carolina 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 — NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN, 2025
First Carolina Bank ranks 181st of 821 lenders in Nashville-Davidson--Murfreesboro--Franklin, TN, with $20.7M lent: 0.1% of a $24.04B market.
Nashville-Davidson--Murfreesboro--Franklin, TN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Carolina 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 28% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — WILMINGTON, NC, 2025
First Carolina Bank ranks 66th of 538 lenders in Wilmington, NC, with $18.0M lent: 0.3% 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 Carolina 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 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — DURHAM-CHAPEL HILL, NC, 2025
First Carolina Bank ranks 62nd of 470 lenders in Durham-Chapel Hill, NC, with $15.7M lent: 0.3% of a $5.16B market.
Durham-Chapel Hill, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Carolina 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 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — SEBASTIAN-VERO BEACH-WEST VERO CORRIDOR, FL, 2025
First Carolina Bank ranks 31st of 366 lenders in Sebastian-Vero Beach-West Vero Corridor, FL, with $10.2M lent: 0.8% of a $1.31B market.
Sebastian-Vero Beach-West Vero Corridor, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Carolina 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 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — FAYETTEVILLE, NC, 2025
First Carolina Bank ranks 54th of 371 lenders in Fayetteville, NC, with $9.6M lent: 0.3% of a $2.93B market.
Fayetteville, NC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Carolina 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 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — SUMTER, SC, 2025
First Carolina Bank ranks 24th of 193 lenders in Sumter, SC, with $5.3M lent: 1.1% of a $479.0M market.
Sumter, SC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Carolina 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 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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