PIEDMONT ADVANTAGE CREDIT UNION
PIEDMONT ADVANTAGE CREDIT UNION received 145 applications in 2025 and made 83 mortgages, in 26 counties across 5 states. The median rate its borrowers got was 8.000% on a median loan of $65,000. Of 141 decisions, 58 were denials — 41.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493002BRQ8SVQPCV108 |
|---|---|
| Applications received | 145 |
| Mortgages made | 83 |
| Denied | 58 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.74 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 | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Refinancing | 13 | 7.250% | $105,000 | 23.5% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 64 | 8.000% | $55,000 | 44.4% |
Where PIEDMONT ADVANTAGE CREDIT UNION lends most
The 26 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 | 15 | 7.750% | 34.8% |
| Iredell County, NC | 13 | 8.000% | 45.8% |
| Mecklenburg County, NC | 13 | 7.750% | 43.5% |
| Davidson County, NC | 8 | Under 10 loans | 27.3% |
| Guilford County, NC | 5 | Under 10 loans | 64.3% |
| York County, SC | 5 | Under 10 loans | 28.6% |
| Yadkin County, NC | 4 | Under 10 loans | 0.0% |
| Catawba County, NC | 3 | Under 10 loans | 25.0% |
| Rockingham County, NC | 3 | Under 10 loans | 50.0% |
| Stokes County, NC | 2 | Under 10 loans | 0.0% |
| Surry County, NC | 2 | Under 10 loans | 33.3% |
| Union County, NC | 2 | Under 10 loans | 0.0% |
| Davie County, NC | 1 | Under 10 loans | 0.0% |
| Durham County, NC | 1 | Under 10 loans | 0.0% |
| Gaston County, NC | 1 | Under 10 loans | 75.0% |
| Polk County, NC | 1 | Under 10 loans | 50.0% |
| Wilkes County, NC | 1 | Under 10 loans | 0.0% |
| Washington County, PA | 1 | Under 10 loans | 0.0% |
| Spartanburg County, SC | 1 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 1 | Under 10 loans | 0.0% |
| Alexander County, NC | 0 | Under 10 loans | 100.0% |
| Lenoir County, NC | 0 | Under 10 loans | 100.0% |
| Montgomery County, NC | 0 | Under 10 loans | 100.0% |
| Yancey County, NC | 0 | Under 10 loans | 100.0% |
| Lancaster County, SC | 0 | Under 10 loans | 100.0% |
| Hamilton County, TN | 0 | Under 10 loans | 100.0% |
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When PIEDMONT ADVANTAGE CREDIT UNION’s figures are published for the next year, or restated.
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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.