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Proponent FCU in North Carolina
HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Proponent FCU's 2024 HMDA record for North Carolina covers 120 applications, 73 of them originated, worth $6.0m.
Its denial rate in the state was 24.5%, close to the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 26.7%.
The median rate spread on its North Carolina originations was 0.3 percentage points (state median 0.2).
Applications in the state were down 31% on 2023.
Compared with the state and the lender's national record
| Measure | In North Carolina | North Carolina, all lenders | Proponent FCU, all states | United States |
|---|---|---|---|---|
| Denial rate | 24.5% | 24.0% | 26.7% | 24.3% |
| Median rate spread, pp | 0.3 | 0.2 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 21.9% | 11.8% | 14.8% | 15.6% |
| Average originated loan | $82k | $299k | $140k | $329k |
| Home purchase share | 4.1% | 56.3% | 8.0% | 57.0% |
| FHA-insured share | 0.0% | 11.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 11.8% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNorth Carolina, all lenders
Loan purpose and loan type in North Carolina
By purpose
Home purchase 4% (3)Home improvement 26% (19)Refinancing 21% (15)Cash-out refinancing 3% (2)Other purpose 47% (34)
By type
Conventional 100% (73)
Denial reasons as coded
Share of 25 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).
Counties in North Carolina
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Alamance County | 72 | 42 | $3.4m | 26.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Proponent FCU originate in North Carolina in 2024?
73 loans totalling $6.0m, from 120 applications reported for properties in North Carolina.
What is Proponent FCU's denial rate in North Carolina?
24.5% of decided applications in North Carolina were denied, against 24.0% for all lenders in the state and 26.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which North Carolina counties does Proponent FCU lend in most?
By originations: Alamance County (42).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in North Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.