ABNB Federal Credit Union in North Carolina vs the state
35.0%Denial rate+16.94 pts vs state
42.4%Decision denial rate+19.60 pts vs state
46.3%Origination rate-11.56 pts vs state
7.25%Median rate+0.75 pts vs state
0.93Rate spread (pts)+0.84 pts vs state
$100kMedian applicant income
37Loans originated
28Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 37 | 37.9% | 7.59% | #339 |
| 2024 | 75 | 44 | 34.7% | 7.74% | #336 |
| 2025 | 80 | 37 | 35.0% | 7.25% | #346 |
What ABNB Federal Credit Union lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most ABNB Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pasquotank County | 23 | 7 | 9 | 39.1% |
| Currituck County | 23 | 12 | 10 | 43.5% |
| Camden County | 9 | 4 | 4 | 44.4% |
| Dare County | 8 | 3 | 3 | 37.5% |
| Perquimans County | 7 | 4 | 0 | 0.0% |
| Gates County | 4 | 4 | 0 | 0.0% |
| Bertie County | 2 | 2 | 0 | 0.0% |
| Chowan County | 1 | 1 | 0 | 0.0% |
| Columbus County | 1 | 0 | 1 | 100.0% |
| Cumberland County | 1 | 0 | 1 | 100.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 80 applications in 2025, of which 37 were originated and 28 denied.
35.0% of all applications, or 42.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans ABNB Federal Credit Union originated in North Carolina in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are ABNB Federal Credit Union's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology