ALLEGACY FEDERAL CREDIT UNION
ALLEGACY FEDERAL CREDIT UNION received 2,742 applications in 2025 and made 1,706 mortgages, in 166 counties across 23 states. The median rate its borrowers got was 5.750% on a median loan of $105,000. Of 2,129 decisions, 391 were denials — 18.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300TQWW6MLVH6KY61 |
|---|---|
| Applications received | 2,742 |
| Mortgages made | 1,706 |
| Denied | 391 |
| Approved, not taken up | 32 |
| Withdrawn or incomplete | 613 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.44 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 255 | 6.375% | $305,000 | 6.4% |
| Refinancing | 507 | 5.750% | $115,000 | 17.5% |
| Cash-out refinancing | 46 | 6.563% | $205,000 | 20.0% |
| Other purposes | 898 | 5.750% | $95,000 | 21.6% |
Where ALLEGACY FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Forsyth County, NC | 617 | 5.750% | 17.4% |
| Guilford County, NC | 129 | 5.750% | 22.8% |
| Stokes County, NC | 125 | 5.750% | 16.5% |
| Davidson County, NC | 113 | 5.750% | 13.1% |
| Mecklenburg County, NC | 110 | 5.750% | 27.0% |
| Davie County, NC | 104 | 5.750% | 14.1% |
| Surry County, NC | 78 | 5.750% | 13.0% |
| Yadkin County, NC | 36 | 5.750% | 32.7% |
| Union County, NC | 31 | 5.750% | 21.4% |
| Cabarrus County, NC | 27 | 5.750% | 6.7% |
| Wake County, NC | 24 | 5.750% | 22.6% |
| Iredell County, NC | 23 | 5.750% | 17.2% |
| Rowan County, NC | 17 | 5.750% | 5.6% |
| Rockingham County, NC | 15 | 5.750% | 0.0% |
| York County, SC | 13 | 5.750% | 18.8% |
| Randolph County, NC | 12 | 5.750% | 0.0% |
| Catawba County, NC | 11 | 5.750% | 0.0% |
| Fulton County, GA | 10 | 5.750% | 0.0% |
| Gaston County, NC | 10 | 5.750% | 21.4% |
| Cobb County, GA | 9 | Under 10 loans | 18.2% |
| Brunswick County, NC | 9 | Under 10 loans | 25.0% |
| New Hanover County, NC | 8 | Under 10 loans | 20.0% |
| Alamance County, NC | 7 | Under 10 loans | 12.5% |
| Durham County, NC | 6 | Under 10 loans | 14.3% |
| Wilkes County, NC | 6 | Under 10 loans | 25.0% |
| Cherokee County, GA | 5 | Under 10 loans | 0.0% |
| Forsyth County, GA | 5 | Under 10 loans | 0.0% |
| Morris County, NJ | 5 | Under 10 loans | 0.0% |
| Lincoln County, NC | 5 | Under 10 loans | 16.7% |
| Lancaster County, SC | 5 | Under 10 loans | 28.6% |
| Carroll County, VA | 5 | Under 10 loans | 37.5% |
| Stanly County, NC | 4 | Under 10 loans | 0.0% |
| Jackson County, GA | 3 | Under 10 loans | 25.0% |
| Johnston County, NC | 3 | Under 10 loans | 25.0% |
| Moore County, NC | 3 | Under 10 loans | 0.0% |
| Charleston County, SC | 3 | Under 10 loans | 25.0% |
| Horry County, SC | 3 | Under 10 loans | 40.0% |
| Spartanburg County, SC | 3 | Under 10 loans | 0.0% |
| Broward County, FL | 2 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 2 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 0.0% |
| St. Johns County, FL | 2 | Under 10 loans | 33.3% |
| DeKalb County, GA | 2 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 2 | Under 10 loans | 50.0% |
| Bergen County, NJ | 2 | Under 10 loans | 0.0% |
| Alexander County, NC | 2 | Under 10 loans | 0.0% |
| Ashe County, NC | 2 | Under 10 loans | 33.3% |
| Burke County, NC | 2 | Under 10 loans | 0.0% |
| Caldwell County, NC | 2 | Under 10 loans | 0.0% |
| Caswell County, NC | 2 | Under 10 loans | 33.3% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.