First Federal Savings Bank of Lincolnton
First Federal Savings Bank of Lincolnton received 173 applications in 2025 and made 132 mortgages, in 9 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $305,000. Of 164 decisions, 20 were denials — 12.2%, most often for credit history.
| Legal Entity Identifier | 549300EGTMFOWQOCQM74 |
|---|---|
| Applications received | 173 |
| Mortgages made | 132 |
| Denied | 20 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Federal Savings Bank of Lincolnton, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 96 | Not published | $330,000 | 7.8% |
| Refinancing | 23 | Not published | $215,000 | 17.9% |
| Other purposes | 13 | Not published | $185,000 | 28.6% |
Where First Federal Savings Bank of Lincolnton lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lincoln County, NC | 86 | Not published | 11.9% |
| Catawba County, NC | 24 | Not published | 14.3% |
| Gaston County, NC | 10 | Not published | 15.4% |
| Cleveland County, NC | 4 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 4 | Under 10 loans | 0.0% |
| Alexander County, NC | 1 | Under 10 loans | 0.0% |
| Caldwell County, NC | 1 | Under 10 loans | 0.0% |
| Iredell County, NC | 1 | Under 10 loans | 33.3% |
| Watauga County, NC | 1 | Under 10 loans | 0.0% |
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When First Federal Savings Bank of Lincolnton’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.