LOCAL GOVERNMENT
LOCAL GOVERNMENT received 1,793 applications in 2025 and made 655 mortgages, in 119 counties across 6 states. The median rate its borrowers got was 8.000% on a median loan of $55,000. Of 1,476 decisions, 803 were denials — 54.4%, most often for credit history.
| Legal Entity Identifier | 549300SJTLYB6ZWKPR88 |
|---|---|
| Applications received | 1,793 |
| Mortgages made | 655 |
| Denied | 803 |
| Approved, not taken up | 18 |
| Withdrawn or incomplete | 317 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.87 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 54 | 7.925% | $155,000 | 61.1% |
| Refinancing | 69 | 8.250% | $85,000 | 34.6% |
| Cash-out refinancing | 279 | 7.500% | $25,000 | 54.4% |
| Other purposes | 253 | 8.250% | $55,000 | 56.4% |
Where LOCAL GOVERNMENT lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wake County, NC | 45 | 8.000% | 40.0% |
| Mecklenburg County, NC | 38 | 8.250% | 49.3% |
| Johnston County, NC | 28 | 8.000% | 45.1% |
| Catawba County, NC | 25 | 8.000% | 42.6% |
| New Hanover County, NC | 21 | 8.000% | 34.4% |
| Brunswick County, NC | 20 | 8.000% | 51.2% |
| Iredell County, NC | 19 | 8.000% | 52.5% |
| Pitt County, NC | 19 | 8.250% | 53.5% |
| Cabarrus County, NC | 18 | 8.125% | 56.8% |
| Davidson County, NC | 18 | 8.000% | 48.6% |
| Union County, NC | 16 | 7.500% | 43.3% |
| Guilford County, NC | 15 | 7.500% | 67.4% |
| Buncombe County, NC | 14 | 8.000% | 56.3% |
| Lincoln County, NC | 14 | 7.750% | 50.0% |
| Alamance County, NC | 13 | 8.250% | 43.5% |
| Forsyth County, NC | 13 | 8.250% | 50.0% |
| Nash County, NC | 13 | 8.000% | 63.2% |
| Randolph County, NC | 13 | 8.250% | 53.3% |
| Rowan County, NC | 13 | 8.000% | 70.5% |
| Gaston County, NC | 12 | 8.000% | 50.0% |
| Cleveland County, NC | 11 | 8.000% | 45.0% |
| Lee County, NC | 11 | 8.250% | 26.7% |
| Rutherford County, NC | 11 | 8.250% | 33.3% |
| Caldwell County, NC | 10 | 7.750% | 44.4% |
| Durham County, NC | 10 | 7.500% | 41.2% |
| Henderson County, NC | 10 | 7.500% | 44.4% |
| Harnett County, NC | 9 | Under 10 loans | 40.0% |
| Onslow County, NC | 7 | Under 10 loans | 50.0% |
| Wayne County, NC | 7 | Under 10 loans | 56.3% |
| Wilson County, NC | 7 | Under 10 loans | 50.0% |
| Burke County, NC | 6 | Under 10 loans | 60.0% |
| Carteret County, NC | 6 | Under 10 loans | 57.1% |
| Chatham County, NC | 6 | Under 10 loans | 33.3% |
| Davie County, NC | 6 | Under 10 loans | 33.3% |
| Moore County, NC | 6 | Under 10 loans | 11.1% |
| Wilkes County, NC | 6 | Under 10 loans | 64.7% |
| Beaufort County, NC | 5 | Under 10 loans | 64.3% |
| Cherokee County, NC | 5 | Under 10 loans | 50.0% |
| Edgecombe County, NC | 5 | Under 10 loans | 73.7% |
| Orange County, NC | 5 | Under 10 loans | 54.6% |
| Robeson County, NC | 5 | Under 10 loans | 70.6% |
| Surry County, NC | 5 | Under 10 loans | 61.5% |
| Transylvania County, NC | 5 | Under 10 loans | 28.6% |
| Yadkin County, NC | 5 | Under 10 loans | 37.5% |
| Columbus County, NC | 4 | Under 10 loans | 60.0% |
| Craven County, NC | 4 | Under 10 loans | 55.6% |
| Cumberland County, NC | 4 | Under 10 loans | 60.0% |
| Duplin County, NC | 4 | Under 10 loans | 63.6% |
| Franklin County, NC | 4 | Under 10 loans | 71.4% |
| Halifax County, NC | 4 | Under 10 loans | 55.6% |
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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.