Credit Human Federal Credit Union in North Carolina vs the state
77.9%Denial rate+59.80 pts vs state
78.8%Decision denial rate+55.94 pts vs state
6.9%Origination rate-50.94 pts vs state
8.45%Median rate+1.95 pts vs state
2.64Rate spread (pts)+2.55 pts vs state
$62kMedian applicant income
18Loans originated
204Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 204 | 13 | 81.4% | 8.10% | #190 |
| 2024 | 293 | 22 | 81.6% | 8.55% | #179 |
| 2025 | 262 | 18 | 77.9% | 8.45% | #210 |
What Credit Human 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 Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Forsyth County | 22 | 0 | 18 | 81.8% |
| Buncombe County | 22 | 4 | 13 | 59.1% |
| Nash County | 20 | 0 | 20 | 100.0% |
| Henderson County | 20 | 2 | 13 | 65.0% |
| Cabarrus County | 18 | 1 | 17 | 94.4% |
| Wilkes County | 15 | 0 | 13 | 86.7% |
| Wake County | 12 | 1 | 8 | 66.7% |
| Onslow County | 9 | 3 | 3 | 33.3% |
| Jackson County | 8 | 1 | 7 | 87.5% |
| Brunswick County | 7 | 0 | 6 | 85.7% |
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: 262 applications in 2025, of which 18 were originated and 204 denied.
77.9% of all applications, or 78.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Credit Human Federal Credit Union originated in North Carolina in 2025 was 8.45%, against a statewide median of 6.50%.
About this data. Figures are Credit Human 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