First Carolina Bank
First Carolina Bank received 129 applications in 2025 and made 104 mortgages, in 48 counties across 7 states. The median rate its borrowers got was Not published on a median loan of $490,000. Of 124 decisions, 7 were denials — 5.7%.
| Legal Entity Identifier | 54930066LN6QXNO8TY84 |
|---|---|
| Applications received | 129 |
| Mortgages made | 104 |
| Denied | 7 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Carolina Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 75 | Not published | $530,000 | 6.5% |
| Refinancing | 22 | Not published | $245,000 | 4.2% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 0.0% |
Where First Carolina Bank lends most
The 48 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| New Hanover County, NC | 17 | Not published | 0.0% |
| Wake County, NC | 14 | Not published | 0.0% |
| Rockingham County, NC | 9 | Under 10 loans | 0.0% |
| Nash County, NC | 8 | Under 10 loans | 11.1% |
| Carteret County, NC | 6 | Under 10 loans | 0.0% |
| Durham County, NC | 6 | Under 10 loans | 12.5% |
| Warren County, NC | 3 | Under 10 loans | 0.0% |
| Greenville County, SC | 3 | Under 10 loans | 0.0% |
| DeKalb County, GA | 2 | Under 10 loans | 0.0% |
| Fulton County, GA | 2 | Under 10 loans | 33.3% |
| Brunswick County, NC | 2 | Under 10 loans | 0.0% |
| Chatham County, NC | 2 | Under 10 loans | 0.0% |
| Edgecombe County, NC | 2 | Under 10 loans | 0.0% |
| Johnston County, NC | 2 | Under 10 loans | 0.0% |
| Virginia Beach city, VA | 2 | Under 10 loans | 0.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Hall County, GA | 1 | Under 10 loans | 0.0% |
| Ashe County, NC | 1 | Under 10 loans | 50.0% |
| Beaufort County, NC | 1 | Under 10 loans | 0.0% |
| Caswell County, NC | 1 | Under 10 loans | 0.0% |
| Cumberland County, NC | 1 | Under 10 loans | 0.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Davidson County, NC | 1 | Under 10 loans | 0.0% |
| Franklin County, NC | 1 | Under 10 loans | 0.0% |
| Guilford County, NC | 1 | Under 10 loans | 0.0% |
| Iredell County, NC | 1 | Under 10 loans | 0.0% |
| Jackson County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Montgomery County, NC | 1 | Under 10 loans | 0.0% |
| Person County, NC | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Richland County, SC | 1 | Under 10 loans | 0.0% |
| Sumter County, SC | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 1 | Under 10 loans | 0.0% |
| Fairfax County, VA | 1 | Under 10 loans | 0.0% |
| Norfolk city, VA | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 0 | Under 10 loans | 100.0% |
| Burke County, GA | 0 | Under 10 loans | 100.0% |
| Dawson County, GA | 0 | Under 10 loans | 0.0% |
| Avery County, NC | 0 | Under 10 loans | 0.0% |
| Craven County, NC | 0 | Under 10 loans | 100.0% |
| Duplin County, NC | 0 | Under 10 loans | 0.0% |
| Union County, NC | 0 | Under 10 loans | 0.0% |
| Watauga County, NC | 0 | Under 10 loans | Not published |
| Bedford County, VA | 0 | Under 10 loans | 0.0% |
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When First Carolina Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.