Bank of Oak Ridge
Bank of Oak Ridge received 41 applications in 2025 and made 31 mortgages, in 14 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $305,000. Of 38 decisions, 4 were denials — 10.5%.
| Legal Entity Identifier | 549300QJN5U13Y9HAW42 |
|---|---|
| Applications received | 41 |
| Mortgages made | 31 |
| Denied | 4 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Bank of Oak Ridge, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 24 | Not published | $420,000 | 3.6% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 33.3% |
Where Bank of Oak Ridge lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Guilford County, NC | 11 | Not published | 23.5% |
| Rockingham County, NC | 6 | Under 10 loans | 0.0% |
| Forsyth County, NC | 3 | Under 10 loans | 0.0% |
| Randolph County, NC | 2 | Under 10 loans | 0.0% |
| Alamance County, NC | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Burke County, NC | 1 | Under 10 loans | 0.0% |
| Davidson County, NC | 1 | Under 10 loans | 0.0% |
| Davie County, NC | 1 | Under 10 loans | 0.0% |
| Yancey County, NC | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Carroll County, VA | 1 | Under 10 loans | 0.0% |
| Currituck County, NC | 0 | Under 10 loans | Not published |
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When Bank of Oak Ridge’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.