Local Bank
Local Bank received 91 applications in 2025 and made 86 mortgages, in 17 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $155,000. Of 89 decisions, 3 were denials — 3.4%.
| Legal Entity Identifier | 894500NI2UNWVZRRZP19 |
|---|---|
| Applications received | 91 |
| Mortgages made | 86 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Local Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 48 | Not published | $165,000 | 4.0% |
| Refinancing | 26 | Not published | $160,000 | 3.7% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 11 | Not published | $115,000 | 0.0% |
Where Local Bank lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cherokee County, OK | 29 | Not published | 0.0% |
| Muskogee County, OK | 20 | Not published | 9.1% |
| Delaware County, OK | 13 | Not published | 0.0% |
| Sequoyah County, OK | 7 | Under 10 loans | 12.5% |
| Wagoner County, OK | 3 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 2 | Under 10 loans | 0.0% |
| Ottawa County, OK | 2 | Under 10 loans | 0.0% |
| Polk County, AR | 1 | Under 10 loans | 0.0% |
| Sebastian County, AR | 1 | Under 10 loans | 0.0% |
| Henry County, IL | 1 | Under 10 loans | 0.0% |
| Creek County, OK | 1 | Under 10 loans | 0.0% |
| Garfield County, OK | 1 | Under 10 loans | 0.0% |
| Le Flore County, OK | 1 | Under 10 loans | 0.0% |
| McIntosh County, OK | 1 | Under 10 loans | 0.0% |
| Nowata County, OK | 1 | Under 10 loans | 0.0% |
| Okmulgee County, OK | 1 | Under 10 loans | 0.0% |
| Rogers County, OK | 1 | Under 10 loans | 0.0% |
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When Local 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.