PROPONENT Federal Credit Union in North Carolina vs the state
18.5%Denial rate+0.39 pts vs state
23.2%Decision denial rate+0.35 pts vs state
61.2%Origination rate+3.36 pts vs state
7.00%Median rate+0.50 pts vs state
0.43Rate spread (pts)+0.34 pts vs state
$92kMedian applicant income
63Loans originated
19Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 116 | 18.4% | 7.00% | #210 |
| 2024 | 120 | 73 | 20.8% | 7.63% | #280 |
| 2025 | 103 | 63 | 18.5% | 7.00% | #320 |
What PROPONENT 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 PROPONENT Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Alamance County | 50 | 36 | 6 | 12.0% |
| Guilford County | 14 | 8 | 3 | 21.4% |
| Wake County | 6 | 2 | 3 | 50.0% |
| Durham County | 5 | 4 | 0 | 0.0% |
| Mecklenburg County | 3 | 3 | 0 | 0.0% |
| Brunswick County | 2 | 1 | 0 | 0.0% |
| Craven County | 2 | 1 | 1 | 50.0% |
| Forsyth County | 2 | 1 | 0 | 0.0% |
| Chatham County | 1 | 0 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
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: 103 applications in 2025, of which 63 were originated and 19 denied.
18.5% of all applications, or 23.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans PROPONENT Federal Credit Union originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are PROPONENT 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