Credit Union Mortgage Association in North Carolina vs the state
10.6%Denial rate-7.49 pts vs state
15.4%Decision denial rate-7.44 pts vs state
56.8%Origination rate-1.03 pts vs state
5.88%Median rate-0.63 pts vs state
-0.58Rate spread (pts)-0.66 pts vs state
$114kMedian applicant income
247Loans originated
46Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 176 | 100 | 7.4% | 5.88% | #207 |
| 2024 | 194 | 121 | 5.2% | 5.88% | #214 |
| 2025 | 435 | 247 | 10.6% | 5.88% | #151 |
What Credit Union Mortgage Association 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 Union Mortgage Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 55 | 40 | 5 | 9.1% |
| Moore County | 36 | 26 | 1 | 2.8% |
| Wake County | 31 | 14 | 4 | 12.9% |
| Mecklenburg County | 30 | 20 | 3 | 10.0% |
| Forsyth County | 21 | 17 | 2 | 9.5% |
| Guilford County | 21 | 11 | 0 | 0.0% |
| Brunswick County | 11 | 7 | 2 | 18.2% |
| Alamance County | 11 | 9 | 1 | 9.1% |
| Johnston County | 11 | 4 | 0 | 0.0% |
| Pitt County | 11 | 7 | 1 | 9.1% |
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: 435 applications in 2025, of which 247 were originated and 46 denied.
10.6% of all applications, or 15.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Credit Union Mortgage Association originated in North Carolina in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are Credit Union Mortgage Association'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