American Heritage FCU in North Carolina vs the state
63.6%Denial rate+45.58 pts vs state
77.8%Decision denial rate+54.96 pts vs state
18.2%Origination rate-39.63 pts vs state
5.87%Median rate-0.63 pts vs state
-0.31Rate spread (pts)-0.39 pts vs state
$108kMedian applicant income
4Loans originated
14Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 3 | 50.0% | 6.04% | #651 |
| 2024 | 16 | 7 | 56.3% | 7.00% | #539 |
| 2025 | 22 | 4 | 63.6% | 5.87% | #516 |
What American Heritage FCU lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most American Heritage FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 3 | 1 | 2 | 66.7% |
| Union County | 3 | 0 | 3 | 100.0% |
| Mecklenburg County | 3 | 1 | 1 | 33.3% |
| Cabarrus County | 3 | 0 | 3 | 100.0% |
| Onslow County | 2 | 0 | 0 | 0.0% |
| Henderson County | 2 | 1 | 1 | 50.0% |
| New Hanover County | 1 | 0 | 0 | 0.0% |
| Gaston County | 1 | 1 | 0 | 0.0% |
| Cumberland County | 1 | 0 | 1 | 100.0% |
| Transylvania 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: 22 applications in 2025, of which 4 were originated and 14 denied.
63.6% of all applications, or 77.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans American Heritage FCU originated in North Carolina in 2025 was 5.87%, against a statewide median of 6.50%.
About this data. Figures are American Heritage FCU'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