Fedex Employees Credit Association in North Carolina vs the state
5.6%Denial rate-12.50 pts vs state
7.7%Decision denial rate-15.13 pts vs state
61.1%Origination rate+3.30 pts vs state
7.25%Median rate+0.75 pts vs state
0.00Rate spread (pts)-0.09 pts vs state
$99kMedian applicant income
11Loans originated
1Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 9 | 21.4% | 5.88% | #571 |
| 2024 | 7 | 5 | 28.6% | 7.69% | #681 |
| 2025 | 18 | 11 | 5.6% | 7.25% | #539 |
What Fedex Employees Credit 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 Fedex Employees Credit Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gaston County | 3 | 1 | 0 | 0.0% |
| Buncombe County | 2 | 0 | 0 | 0.0% |
| Wilson County | 2 | 2 | 0 | 0.0% |
| Wake County | 1 | 1 | 0 | 0.0% |
| Guilford County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 0 | 0 | 0.0% |
| Johnston County | 1 | 1 | 0 | 0.0% |
| Davidson County | 1 | 1 | 0 | 0.0% |
| Rutherford County | 1 | 1 | 0 | 0.0% |
| Union County | 1 | 1 | 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: 18 applications in 2025, of which 11 were originated and 1 denied.
5.6% of all applications, or 7.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Fedex Employees Credit Association originated in North Carolina in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Fedex Employees Credit 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