Piedmont Advantage Credit Union in North Carolina vs the state
40.6%Denial rate+22.54 pts vs state
41.9%Decision denial rate+19.04 pts vs state
56.4%Origination rate-1.42 pts vs state
8.00%Median rate+1.50 pts vs state
0.74Rate spread (pts)+0.65 pts vs state
$82kMedian applicant income
75Loans originated
54Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 83 | 35.3% | 8.25% | #247 |
| 2024 | 113 | 59 | 45.1% | 8.25% | #289 |
| 2025 | 133 | 75 | 40.6% | 8.00% | #283 |
What Piedmont Advantage 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 Piedmont Advantage Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Forsyth County | 25 | 15 | 8 | 32.0% |
| Mecklenburg County | 24 | 13 | 10 | 41.7% |
| Iredell County | 24 | 13 | 11 | 45.8% |
| Guilford County | 14 | 5 | 9 | 64.3% |
| Davidson County | 11 | 8 | 3 | 27.3% |
| Rockingham County | 6 | 3 | 3 | 50.0% |
| Gaston County | 5 | 1 | 3 | 60.0% |
| Yadkin County | 4 | 4 | 0 | 0.0% |
| Catawba County | 4 | 3 | 1 | 25.0% |
| Surry County | 3 | 2 | 1 | 33.3% |
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: 133 applications in 2025, of which 75 were originated and 54 denied.
40.6% of all applications, or 41.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Piedmont Advantage Credit Union originated in North Carolina in 2025 was 8.00%, against a statewide median of 6.50%.
About this data. Figures are Piedmont Advantage 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