Applications / Mortgage Analytics / Lenders / North Carolina / First Savings and Loan Association
Mebane, NC · Savings institution · OCC · $55.5 million assets · 24 loans in 2025
First Savings and Loan Association's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
24
loans originated, 2025
33
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Savings and Loan Association, a small thrift in Mebane, North Carolina, has made home loans in the Burlington area since 1990 and lent a little more in 2025, 24 loans against 20.
Its count has moved between 20 and 49 loans a year: 49 loans in 2018, 47 in 2020, then 23, 20 and 24. It filed no report for 2021 and 2022, when a lender making fewer than 100 closed-end loans a year need not report, so those years are gaps in the record, not years without lending. Last year's rise of 20% was faster than the 3% at similar lenders, savings institutions making between half and twice as many loans.
Its home market is Burlington, where it has lent since 1990 and ranked 50 of 303 lenders with 0.4% of lending. State Employees' Credit Union leads there. It also lends in Durham-Chapel Hill and Greensboro-High Point, 3 counties in all, every one in North Carolina.
More than half its loans (58.3%) financed a purchase; the rest were split among refinancing, home improvement and other purposes. All were conventional. Its typical loan, $190,000, was below the $235,000 of similar lenders. On 24 loans, its shares of lending to poorer borrowers and neighborhoods swing with a few deals, too much to read into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Savings and Loan Association took 33 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.3% · Other 16.7% · Refinance 16.7% · Home improvement 8.3%
Conventional 100.0% · of 24 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 | 24 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Burlington | 21 |
| Durham-Chapel Hill | 2 |
| Greensboro-High Point | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RV4T4YZCSHWF37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 141677 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45224 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1705224 | 2011–2017 |
Established 1 January 1909. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Savings and Loan Association's data.
First Savings and Loan Association's data
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First Savings and Loan Association 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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