Applications / Mortgage Analytics / Lenders / North Carolina / Lumbee Guaranty Bank
Pembroke, NC · State non-member bank · FDIC · $561 million assets · 70 loans in 2025
Lumbee Guaranty Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
70
loans originated, 2025
73
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lumbee Guaranty Bank lends in poorer and majority-minority neighborhoods far more than similar banks, often on manufactured homes.
55.7% of its 70 loans in 2025 went to poorer neighborhoods (low- and moderate-income tracts), against 18.5% at similar lenders, the state non-member banks making between half and twice as many loans. 82.9% went to majority-minority neighborhoods, against 6.5%. Both are higher than more than nine in ten of its peers.
Manufactured homes took 24.3% of its loans, against 2.6% at similar lenders. That may help explain a typical loan of $55,000, the smallest among its peers, where the typical loan was $175,000. Refinances were 50.0% of its loans and purchases 41.4%.
Its loans fell 20% to 70, while similar lenders rose 9% and the whole market 10%. Its growth was lower than about nine in ten of its peers'. It made 157 loans in 2018.
Established in 1971 as Lumbee Bank, it has reported since 1992 and has lent in the Fayetteville area since then. It ranks 94 of 371 lenders there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lumbee Guaranty Bank took 73 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.0% · Purchase 41.4% · Home improvement 5.7% · Other 2.9%
Conventional 100.0% · of 70 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 | 70 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fayetteville | 16 |
| Wilmington | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WZQ2PP4RJDZR54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 651121 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320568 | 1992–2017 |
Established 22 December 1971. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Lumbee Guaranty Bank's data.
Lumbee Guaranty Bank's data
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Lumbee Guaranty 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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