First Savings & Loan Association Mortgage Lending & HMDA Data, 2025
In 2025, First Savings & Loan Association of Mebane, NC reported 33 mortgage applications totaling $8.1 million, up 50% from 2024. The average application was for $246,212, and applicants reported an average income of $129,909. 73% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Burlington, NC (29), Durham-Chapel Hill, NC (2) and Greensboro-High Point, NC (2) (applications in parentheses).
| Mortgage Company & Address | First Savings & Loan Association Po Box 390 Mebane, NC 27302 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 33 |
| Total Mortgage Loan Application Amount | $8,125,000 |
| Average Mortgage Loan Application Amount | $246,212 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $129,909 |
| Highest Applicant Income | $300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Savings & Loan Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Alamance, North Carolina | 29 | $ 6,865,000 | $ 236,724 | $ 129,000 |
| Guilford, North Carolina | 2 | $ 460,000 | $ 230,000 | $ 106,000 |
| Orange, North Carolina | 2 | $ 800,000 | $ 400,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for First Savings & Loan Association in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 20 | $5,610,000 | $280,000 | $655,000 | $149,000 | $300,000 |
| Refinancing | 5 | $1,525,000 | $305,000 | $625,000 | $143,000 | $254,000 |
| Other Purpose | 4 | $510,000 | $127,000 | $285,000 | $83,000 | $183,000 |
| Home Improvement | 4 | $480,000 | $120,000 | $165,000 | $65,000 | $101,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 20 | $4,530,000 | $226,000 | $655,000 | $128,000 | $300,000 |
| Not applicable | 4 | $1,120,000 | $280,000 | $535,000 | $0 | $0 |
| Not Provided | 4 | $1,370,000 | $342,000 | $585,000 | $157,000 | $243,000 |
| Black or African American | 3 | $465,000 | $155,000 | $305,000 | $92,000 | $164,000 |
| Hispanic | 2 | $640,000 | $320,000 | $355,000 | $115,000 | $134,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 33 | $8,125,000 | $246,000 | $655,000 | $127,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 24 | $5,450,000 | $227,000 | $575,000 | $110,000 | $243,000 |
| Application Withdrawn By Applicant | 5 | $1,795,000 | $359,000 | $655,000 | $162,000 | $234,000 |
| Application Approved But Not Accepted | 2 | $670,000 | $335,000 | $625,000 | $277,000 | $300,000 |
| Application Denied By Financial Institution | 2 | $210,000 | $105,000 | $155,000 | $59,000 | $101,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 31 | $7,915,000 | $255,000 | $655,000 | $132,000 | $300,000 |
| Collateral | 1 | $155,000 | $155,000 | $155,000 | $101,000 | $101,000 |
| Credit History | 1 | $55,000 | $55,000 | $55,000 | $18,000 | $18,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Savings & Loan Association's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Savings & Loan Association's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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