Empeople Credit Union in North Carolina vs the state
15.3%Denial rate-2.72 pts vs state
18.5%Decision denial rate-4.30 pts vs state
66.9%Origination rate+9.06 pts vs state
6.49%Median rate-0.01 pts vs state
-0.35Rate spread (pts)-0.44 pts vs state
$120kMedian applicant income
109Loans originated
25Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 148 | 101 | 14.9% | 6.88% | #235 |
| 2024 | 151 | 93 | 17.9% | 6.63% | #249 |
| 2025 | 163 | 109 | 15.3% | 6.49% | #257 |
What Empeople 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 Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 45 | 28 | 7 | 15.6% |
| Forsyth County | 17 | 14 | 3 | 17.6% |
| Johnston County | 13 | 10 | 0 | 0.0% |
| Guilford County | 11 | 10 | 0 | 0.0% |
| Harnett County | 10 | 6 | 1 | 10.0% |
| Stokes County | 9 | 3 | 5 | 55.6% |
| Davidson County | 8 | 4 | 2 | 25.0% |
| Cabarrus County | 6 | 5 | 0 | 0.0% |
| Durham County | 6 | 5 | 0 | 0.0% |
| Mecklenburg County | 4 | 3 | 1 | 25.0% |
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: 163 applications in 2025, of which 109 were originated and 25 denied.
15.3% of all applications, or 18.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Empeople Credit Union originated in North Carolina in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Empeople 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