Lender in North Carolina · HMDA 2025
Allegacy Federal Credit Union mortgages in North Carolina
Allegacy Federal Credit Union's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Allegacy Federal Credit Union originated 267 owner-occupied single-family loans in North Carolina from 312 completed applications.
Its median conventional purchase loan costs were $5,060 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.50% (North Carolina: 6.50%).
Loans in NC
267
of 312 applications
Denial rate
3.0%
Purchase · NC 7.6%
Rate spread
+0.01 pts
Conv. · NC +0.04 pts
Loan amount
$315,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 169 | 161 | 3.0% | 6.500% | +0.01 pts | $5,060 | $315,000 |
| Refinance | 107 | 79 | 22.4% | — | −0.09 pts | $180 | $125,000 |
| Cash-out refinance | 36 | 27 | 22.2% | — | +0.16 pts | $5,550 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Allegacy Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Stokes County | 8 | 24 | 3.9% |
| Forsyth County | 10 | 124 | 2.2% |
| Davie County | 12 | 18 | 2.5% |
| Yadkin County | 12 | 7 | 1.8% |
| Surry County | 16 | 11 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology