Applications / Mortgage Analytics / Lenders / North Carolina / First Federal Bank
Dunn, NC · Savings institution · OCC · $272 million assets · 44 loans in 2025
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44
loans originated, 2025
51
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Bank is a North Carolina purchase lender whose loans rose 47% in 2025, to 44, while similar lenders shrank by 2%.
Home purchases were 97.7% of its loans, all conventional. Its typical loan was $405,000, against $245,000 at similar lenders (savings institutions making between half and twice as many loans), larger than at nearly four in five of them.
Its 44 loans were up 47% from 30 in 2024, faster than more than four in five similar lenders and the whole market's 10%. It is still below the 54 it made in 2018. It filed no report for 2021 and 2022, a gap in the record, not years without lending.
32.6% of its loans were in low- and moderate-income (LMI) neighborhoods, against 16.7% at similar lenders. 27.3% were in majority-minority neighborhoods, against 7.4%. Both shares were higher than at more than four in five peers. Few of its borrowers were themselves LMI, which may follow from its larger purchase loans. With 44 loans, these shares can swing from year to year.
It ranked 185 of 762 lenders in non-metro North Carolina and 193 of 638 in Raleigh-Cary, markets it has served since 1994. State Employees' Credit Union leads the first and United Wholesale Mortgage the second.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Federal Bank took 51 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 97.7% · Refinance 2.3%
Conventional 100.0% · of 44 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 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Raleigh-Cary | 16 |
| Fayetteville | 3 |
| Jacksonville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004W7AEPOP0B0249 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 943974 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46343 | 1994–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1706343 | 2011–2017 |
Established 1 January 1958. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: First Federal Bank's data.
First Federal Bank's data
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