Delta Community Credit Union in North Carolina vs the state
29.3%Denial rate+11.21 pts vs state
35.3%Decision denial rate+12.47 pts vs state
53.7%Origination rate-4.15 pts vs state
6.44%Median rate-0.06 pts vs state
-0.16Rate spread (pts)-0.24 pts vs state
$162kMedian applicant income
22Loans originated
12Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 20 | 12.1% | 8.00% | #430 |
| 2024 | 35 | 26 | 20.0% | 7.25% | #430 |
| 2025 | 41 | 22 | 29.3% | 6.44% | #425 |
What Delta Community 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 Delta Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 4 | 3 | 1 | 25.0% |
| Mecklenburg County | 4 | 2 | 1 | 25.0% |
| Jackson County | 2 | 0 | 1 | 50.0% |
| Warren County | 2 | 0 | 2 | 100.0% |
| Rutherford County | 2 | 1 | 0 | 0.0% |
| Burke County | 2 | 2 | 0 | 0.0% |
| Forsyth County | 2 | 1 | 0 | 0.0% |
| Durham County | 2 | 1 | 0 | 0.0% |
| Transylvania County | 2 | 1 | 1 | 50.0% |
| Buncombe County | 2 | 2 | 0 | 0.0% |
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: 41 applications in 2025, of which 22 were originated and 12 denied.
29.3% of all applications, or 35.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Delta Community Credit Union originated in North Carolina in 2025 was 6.44%, against a statewide median of 6.50%.
About this data. Figures are Delta Community 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