Triangle 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%
7th31.5% deniedPricingmedian rate spread over APOR, weight 30%
90th-0.17 ptsProcesswithdrawn + incomplete share, weight 15%
2nd40.7%Closing coststotal loan costs ÷ loan amount, weight 10%
87th0.91% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 332 | 72 | 26.2% | 53.1% | 6.19% | $26M |
| 2024 | 205 | 59 | 23.9% | 45.4% | 6.38% | $22M |
| 2025 | 246 | 99 | 18.7% | 31.5% | 6.50% | $36M |
What Triangle 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: 2 home-equity lines, 1 reverse mortgages, 0 manufactured homes, 23 investment properties.
Why Triangle Credit Union denies applications
Primary reason reported for each of the 46 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Triangle Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 76 | 25 | 40.5% |
| $100k – $150k | 64 | 25 | 37.5% |
| $150k – $250k | 62 | 28 | 19.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 13 | 36.4% |
| 35–44 | 75 | 24 | 41.5% |
| 45–54 | 51 | 22 | 29.0% |
| 55–64 | 33 | 17 | 19.1% |
| 65–74 | 21 | 9 | 40.0% |
Where Triangle Credit Union lends
3 states and 10 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Hampshire | 166 | 93 | 15.1% | 6.50% | #65 |
| Massachusetts | 12 | 6 | 16.7% | 6.37% | #449 |
Frequently asked questions
Triangle Credit Union denied 31.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 7th percentile of small mortgage lenders.
The most common reason Triangle Credit Union gave in 2025 was "debt-to-income ratio", cited on 69.6% 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 Triangle Credit Union originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was -0.17 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 57% of its applications were for home purchases, 43% for refinancing (including cash-out), and 1% 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.