PROPONENT Federal Credit Union mortgage approval rate & lending review
PROPONENT Federal Credit Union decided 776 mortgage applications and funded 581 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions PROPONENT Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
PROPONENT Federal Credit Union at a glance
Approval is 6.3 points above the 70.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 83% | 74 / 89 | 99% | $405K | 73 |
| Home improvement loans | 75% | 276 / 367 | 96% | $85K | 266 |
| Refinance | 82% | 226 / 277 | 98% | $105K | 221 |
PROPONENT Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 78% | $105K | 449 | 340 |
| North Carolina | 78% | $85K | 182 | 137 |
| Pennsylvania | 79% | $65K | 28 | 19 |
| Florida | 83% | $105K | 24 | 20 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where PROPONENT Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Essex County, NJ | Home improvement loans | 81% | 96 | 73 |
| Essex County, NJ | Refinance | 79% | 78 | 61 |
| Alamance County, NC | Refinance | 84% | 44 | 37 |
| Alamance County, NC | Home improvement loans | 80% | 44 | 32 |
| Morris County, NJ | Refinance | 92% | 24 | 22 |
| Guilford County, NC | Home improvement loans | 67% | 21 | 14 |
The county markets where PROPONENT Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about PROPONENT Federal Credit Union
What is PROPONENT Federal Credit Union's mortgage approval rate?
PROPONENT Federal Credit Union approved 77.1% of the 776 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.3 points above the 70.7% national rate for the same mix of loan types.
How often do borrowers take the loan PROPONENT Federal Credit Union offers?
Borrowers accepted 97% of the loans PROPONENT Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does PROPONENT Federal Credit Union make?
The typical home improvement loan loan PROPONENT Federal Credit Union made was $85K; across all loan types its typical loan ran from $85K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does PROPONENT Federal Credit Union lend?
PROPONENT Federal Credit Union decided applications in 29 of the states Fat Boy Data covers, most of them in New Jersey, North Carolina and Pennsylvania.
Can I apply to PROPONENT Federal Credit Union directly?
Yes. PROPONENT Federal Credit Union is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show PROPONENT Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how PROPONENT Federal Credit Union treats applications, then get a rate quote from the lender.