PROPONENT Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
22nd18.9% deniedPricingmedian rate spread over APOR, weight 30%
68th0.13 ptsProcesswithdrawn + incomplete share, weight 15%
29th16.8%Closing coststotal loan costs ÷ loan amount, weight 10%
98th0.31% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 655 | 377 | 22.9% | 27.7% | 7.00% | $55M |
| 2024 | 526 | 312 | 22.2% | 26.7% | 7.56% | $44M |
| 2025 | 357 | 238 | 15.7% | 18.9% | 7.00% | $38M |
What PROPONENT Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 174 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 6 investment properties.
Why PROPONENT Federal Credit Union denies applications
Primary reason reported for each of the 56 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at PROPONENT Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 29 | 11 | 57.7% |
| $50k – $100k | 85 | 50 | 29.6% |
| $100k – $150k | 90 | 61 | 10.1% |
| $150k – $250k | 94 | 70 | 11.1% |
| Over $250k | 56 | 44 | 6.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 21 | 11 | 31.3% |
| 35–44 | 69 | 47 | 20.0% |
| 45–54 | 112 | 70 | 22.0% |
| 55–64 | 99 | 72 | 11.0% |
| 65–74 | 39 | 29 | 14.7% |
Where PROPONENT Federal Credit Union lends
22 states and 70 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Jersey | 198 | 142 | 13.6% | 7.00% | #198 |
| North Carolina | 103 | 63 | 18.5% | 7.00% | #320 |
| Pennsylvania | 12 | 7 | 25.0% | 6.75% | #672 |
| Georgia | 6 | 3 | 33.3% | 7.00% | #746 |
Frequently asked questions
PROPONENT Federal Credit Union denied 18.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 22nd percentile of small mortgage lenders.
The most common reason PROPONENT Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 53.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans PROPONENT Federal Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.13 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 10% of its applications were for home purchases, 31% for refinancing (including cash-out), and 59% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.