Allegacy Federal Credit Union in North Carolina vs the state
14.0%Denial rate-4.11 pts vs state
17.9%Decision denial rate-4.97 pts vs state
63.0%Origination rate+5.17 pts vs state
5.75%Median rate-0.75 pts vs state
-1.44Rate spread (pts)-1.53 pts vs state
$102kMedian applicant income
1,562Loans originated
346Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,670 | 1,548 | 17.9% | 1.99% | #33 |
| 2024 | 2,443 | 1,519 | 13.1% | 5.75% | #39 |
| 2025 | 2,480 | 1,562 | 14.0% | 5.75% | #39 |
What Allegacy Federal Credit Union lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Allegacy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Forsyth County | 975 | 617 | 133 | 13.6% |
| Guilford County | 220 | 129 | 38 | 17.3% |
| Mecklenburg County | 192 | 110 | 41 | 21.4% |
| Stokes County | 184 | 125 | 25 | 13.6% |
| Davidson County | 158 | 113 | 17 | 10.8% |
| Davie County | 155 | 104 | 17 | 11.0% |
| Surry County | 122 | 78 | 12 | 9.8% |
| Yadkin County | 77 | 36 | 18 | 23.4% |
| Union County | 52 | 31 | 9 | 17.3% |
| Wake County | 40 | 24 | 7 | 17.5% |
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: 2,480 applications in 2025, of which 1,562 were originated and 346 denied.
14.0% of all applications, or 17.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Allegacy Federal Credit Union originated in North Carolina in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Allegacy Federal Credit Union'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