PROPONENT Federal Credit Union
PROPONENT Federal Credit Union received 357 applications in 2025 and made 238 mortgages, in 70 counties across 22 states. The median rate its borrowers got was 7.000% on a median loan of $105,000. Of 297 decisions, 56 were denials — 18.9%, most often for debt-to-income ratio. 26 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300SI3EZ7U02L5E39 |
|---|---|
| Applications received | 357 |
| Mortgages made | 238 |
| Denied | 56 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 60 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.133 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 | 18 | 5.875% | $405,000 | 18.2% |
| Refinancing | 76 | 7.000% | $125,000 | 13.3% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Other purposes | 143 | 7.000% | $95,000 | 20.4% |
Where PROPONENT 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 |
|---|---|---|---|
| Essex County, NJ | 66 | 7.000% | 18.3% |
| Alamance County, NC | 36 | 7.000% | 14.3% |
| Morris County, NJ | 14 | 7.000% | 6.7% |
| Ocean County, NJ | 12 | 6.750% | 7.7% |
| Passaic County, NJ | 9 | Under 10 loans | 28.6% |
| Guilford County, NC | 8 | Under 10 loans | 27.3% |
| Bergen County, NJ | 5 | Under 10 loans | 0.0% |
| Union County, NJ | 5 | Under 10 loans | 0.0% |
| Somerset County, NJ | 4 | Under 10 loans | 0.0% |
| Sussex County, NJ | 4 | Under 10 loans | 0.0% |
| Durham County, NC | 4 | Under 10 loans | 0.0% |
| Hunterdon County, NJ | 3 | Under 10 loans | 25.0% |
| Middlesex County, NJ | 3 | Under 10 loans | 25.0% |
| Monmouth County, NJ | 3 | Under 10 loans | 40.0% |
| Warren County, NJ | 3 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 3 | Under 10 loans | 0.0% |
| Monroe County, PA | 3 | Under 10 loans | 0.0% |
| Northampton County, PA | 3 | Under 10 loans | 25.0% |
| Burlington County, NJ | 2 | Under 10 loans | 0.0% |
| Mercer County, NJ | 2 | Under 10 loans | 0.0% |
| Wake County, NC | 2 | Under 10 loans | 60.0% |
| Horry County, SC | 2 | Under 10 loans | 0.0% |
| Loudoun County, VA | 2 | Under 10 loans | 0.0% |
| Marin County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Peoria County, IL | 1 | Under 10 loans | 0.0% |
| Hamilton County, IN | 1 | Under 10 loans | 0.0% |
| East Baton Rouge Parish, LA | 1 | Under 10 loans | 0.0% |
| Baltimore County, MD | 1 | Under 10 loans | 0.0% |
| Harford County, MD | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 50.0% |
| Washoe County, NV | 1 | Under 10 loans | 0.0% |
| Nassau County, NY | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Caswell County, NC | 1 | Under 10 loans | 0.0% |
| Craven County, NC | 1 | Under 10 loans | 50.0% |
| Forsyth County, NC | 1 | Under 10 loans | 0.0% |
| Orange County, NC | 1 | Under 10 loans | 0.0% |
| Blount County, TN | 1 | Under 10 loans | 0.0% |
| Maury County, TN | 1 | Under 10 loans | 0.0% |
| Appomattox County, VA | 1 | Under 10 loans | 0.0% |
| Henrico County, VA | 1 | Under 10 loans | 0.0% |
| Fresno County, CA | 0 | Under 10 loans | Not published |
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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.