LEI 25490080ZZ98MNHU5R63 · Canton, NC
Champion Credit Union
Denial sits in the lower fleet tercile at 5.4% across 186 HMDA applications, fewer outright refusals than the bulk of the corpus.
Denial tercile vs fleet
Champion Credit Union posts a 5.4% denial rate, below the fleet's lower tercile (~5.61%) - across 186 applications with 151 originations. Leading cited denial reason: credit history. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 81.2%
- Origination share
- 151
- Originated
- 5.4%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
186 reported applications
Where Champion Credit Union sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
151 Top 49% higher than 51% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Champion Credit Union
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Champion Credit Union
Lender-reported HMDA denial-reason counts (top reasons shown).
Mid-volume reporter. Champion Credit Union's 81.2% origination rate and 5.4% denial rate sit on a mid-tercile originated book (151 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Most-cited denial codes: Credit history, Debt-to-income ratio. Program weight concentrates in Conventional (184 applications).
How to read Champion Credit Union. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Champion Credit Union
Champion Credit Union filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 184 | 149 | 10 | $302,717 |
| FHA | 2 | 2 | 0 | $380,000 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Champion Credit Union (LEI: 25490080ZZ98MNHU5R63) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 150 | 123 | $326,067 |
| Cash-out Refinancing | 18 | 12 | $186,111 |
| Refinancing | 17 | 16 | $236,176 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 164 | 82.9% | 4.9% |
| Asian * | 3 | 33.3% | 0.0% |
| Joint * | 3 | 100.0% | 0.0% |
| American Indian or Alaska Native * | 1 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 155 | 83.9% | 3.9% |
| Hispanic or Latino * | 12 | 75.0% | 8.3% |
| Joint * | 4 | 50.0% | 25.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in NC
Other HMDA-reporting lenders in NC with similar activity. Compare any two side-by-side.
One of 63 other HMDA-reporting lenders in NC, 5 are shown here.
Truist Bank
RALEIGH, NC
Wells Fargo Bank NA
WINSTON SALEM, NC
State Employees' Credit Union
Raleigh, NC
Cardinal Financial Company, Li
CHARLOTTE, NC
First Ciitizens Bank and Trust
Raleigh, NC
Read with Champion Credit Union
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Champion Credit Union (LEI 25490080ZZ98MNHU5R63), from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024). See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.