Lender profile · HMDA 2023–2025
PROPONENT Federal Credit Union mortgage approval rates & lending data
PROPONENT Federal Credit Union decided 776 mortgage applications and funded 581 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 83% | 74 / 89 | 99% | $405K | 73 |
| Home improvement loans | 75% | 276 / 367 | 96% | $85K | 266 |
| Refinance | 82% | 226 / 277 | 98% | $105K | 221 |
PROPONENT Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 78% | $105K | 449 | 340 |
| North Carolina | 78% | $85K | 182 | 137 |
| Pennsylvania | 79% | $65K | 28 | 19 |
| Florida | 83% | $105K | 24 | 20 |
| California | 64% | $75K | 14 | 9 |
| South Carolina | 64% | $55K | 11 | 7 |
| Arizona | 14% | $75K | 7 | 1 |
| Virginia | 86% | $45K | 7 | 6 |
| New York | 67% | $765K | 6 | 4 |
| Ohio | 67% | $55K | 6 | 4 |
| Georgia | 80% | $125K | 5 | 4 |
| Maryland | 75% | $45K | 4 | 3 |
| Massachusetts | 100% | $25K | 4 | 4 |
| Tennessee | 100% | $75K | 4 | 4 |
| Alabama | 67% | $55K | 3 | 2 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.