Piedmont Federal Savings Bank in North Carolina vs the state
6.6%Denial rate-11.48 pts vs state
7.9%Decision denial rate-14.95 pts vs state
75.0%Origination rate+17.19 pts vs state
6.78%Median rate+0.28 pts vs state
0.29Rate spread (pts)+0.20 pts vs state
$107kMedian applicant income
114Loans originated
10Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 216 | 169 | 10.7% | 6.63% | #186 |
| 2024 | 199 | 150 | 7.0% | 7.05% | #212 |
| 2025 | 152 | 114 | 6.6% | 6.78% | #267 |
What Piedmont Federal Savings Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Piedmont Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Forsyth County | 77 | 55 | 4 | 5.2% |
| Guilford County | 21 | 19 | 2 | 9.5% |
| Davidson County | 9 | 6 | 0 | 0.0% |
| Wake County | 8 | 6 | 0 | 0.0% |
| Franklin County | 6 | 4 | 1 | 16.7% |
| Watauga County | 4 | 3 | 0 | 0.0% |
| Stokes County | 3 | 2 | 1 | 33.3% |
| Wilkes County | 3 | 1 | 0 | 0.0% |
| Surry County | 2 | 2 | 0 | 0.0% |
| Rockingham County | 2 | 1 | 1 | 50.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 152 applications in 2025, of which 114 were originated and 10 denied.
6.6% of all applications, or 7.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Piedmont Federal Savings Bank originated in North Carolina in 2025 was 6.78%, against a statewide median of 6.50%.
About this data. Figures are Piedmont Federal Savings Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology