Piedmont Federal Savings Bank
Piedmont Federal Savings Bank received 156 applications in 2025 and made 118 mortgages, in 29 counties across 3 states. The median rate its borrowers got was 6.775% on a median loan of $240,000. Of 131 decisions, 10 were denials — 7.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DD6DH8XAGW3A86 |
|---|---|
| Applications received | 156 |
| Mortgages made | 118 |
| Denied | 10 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 25 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.296 points |
| FDIC-insured bank | Yes: Piedmont Federal Savings Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 72 | 6.738% | $255,000 | 6.4% |
| Refinancing | 24 | 7.125% | $175,000 | 0.0% |
| Cash-out refinancing | 13 | 6.091% | $315,000 | 13.3% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 21.4% |
Where Piedmont Federal Savings Bank lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Forsyth County, NC | 55 | 6.600% | 6.6% |
| Guilford County, NC | 19 | 6.875% | 9.5% |
| Davidson County, NC | 6 | Under 10 loans | 0.0% |
| Wake County, NC | 6 | Under 10 loans | 0.0% |
| Franklin County, NC | 4 | Under 10 loans | 20.0% |
| Watauga County, NC | 3 | Under 10 loans | 0.0% |
| Davie County, NC | 2 | Under 10 loans | 0.0% |
| Randolph County, NC | 2 | Under 10 loans | 0.0% |
| Stokes County, NC | 2 | Under 10 loans | 33.3% |
| Surry County, NC | 2 | Under 10 loans | 0.0% |
| Horry County, SC | 2 | Under 10 loans | 0.0% |
| Alamance County, NC | 1 | Under 10 loans | 0.0% |
| Ashe County, NC | 1 | Under 10 loans | 0.0% |
| Avery County, NC | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Carteret County, NC | 1 | Under 10 loans | 0.0% |
| Catawba County, NC | 1 | Under 10 loans | 0.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Granville County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| New Hanover County, NC | 1 | Under 10 loans | 0.0% |
| Richmond County, NC | 1 | Under 10 loans | 0.0% |
| Rockingham County, NC | 1 | Under 10 loans | 50.0% |
| Wilkes County, NC | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Carroll County, VA | 1 | Under 10 loans | 0.0% |
| Durham County, NC | 0 | Under 10 loans | Not published |
| Johnston County, NC | 0 | Under 10 loans | 100.0% |
| Yadkin County, NC | 0 | Under 10 loans | Not published |
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When Piedmont Federal Savings 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.