Alliant Credit Union in North Carolina vs the state
37.4%Denial rate+19.30 pts vs state
43.7%Decision denial rate+20.91 pts vs state
47.5%Origination rate-10.28 pts vs state
6.88%Median rate+0.38 pts vs state
-0.06Rate spread (pts)-0.15 pts vs state
$160kMedian applicant income
173Loans originated
136Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 225 | 75 | 52.0% | 8.50% | #184 |
| 2024 | 369 | 183 | 31.7% | 6.25% | #155 |
| 2025 | 364 | 173 | 37.4% | 6.88% | #169 |
What Alliant 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 Alliant Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 59 | 34 | 15 | 25.4% |
| Mecklenburg County | 51 | 25 | 19 | 37.3% |
| Buncombe County | 23 | 14 | 4 | 17.4% |
| Guilford County | 19 | 8 | 7 | 36.8% |
| Iredell County | 15 | 7 | 4 | 26.7% |
| Union County | 13 | 8 | 5 | 38.5% |
| Durham County | 12 | 6 | 4 | 33.3% |
| Brunswick County | 12 | 8 | 4 | 33.3% |
| New Hanover County | 11 | 6 | 5 | 45.5% |
| Cumberland County | 8 | 3 | 3 | 37.5% |
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: 364 applications in 2025, of which 173 were originated and 136 denied.
37.4% of all applications, or 43.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Alliant Credit Union originated in North Carolina in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Alliant 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