R T P Federal Credit Union
R T P Federal Credit Union received 62 applications in 2025 and made 45 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 7.600% on a median loan of $65,000. Of 55 decisions, 7 were denials — 12.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300838ZAWQIH9V751 |
|---|---|
| Applications received | 62 |
| Mortgages made | 45 |
| Denied | 7 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.4 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 |
|---|---|---|---|---|
| Refinancing | 13 | 7.600% | $125,000 | 13.3% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Other purposes | 31 | 7.500% | $55,000 | 11.1% |
Where R T P Federal Credit Union lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wake County, NC | 20 | 7.550% | 12.5% |
| Durham County, NC | 12 | 7.500% | 12.5% |
| Orange County, NC | 3 | Under 10 loans | 0.0% |
| Franklin County, NC | 2 | Under 10 loans | 0.0% |
| Johnston County, NC | 2 | Under 10 loans | 0.0% |
| Alamance County, NC | 1 | Under 10 loans | 0.0% |
| Granville County, NC | 1 | Under 10 loans | 0.0% |
| New Hanover County, NC | 1 | Under 10 loans | 0.0% |
| Person County, NC | 1 | Under 10 loans | 0.0% |
| Stokes County, NC | 1 | Under 10 loans | 0.0% |
| Warren County, NC | 1 | Under 10 loans | 0.0% |
| Cabarrus County, NC | 0 | Under 10 loans | 100.0% |
| Moore County, NC | 0 | Under 10 loans | 100.0% |
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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.