First Technology Federal Credit Union in North Carolina vs the state
18.4%Denial rate+0.33 pts vs state
22.5%Decision denial rate-0.28 pts vs state
55.2%Origination rate-2.64 pts vs state
7.63%Median rate+1.13 pts vs state
0.46Rate spread (pts)+0.37 pts vs state
$159kMedian applicant income
48Loans originated
16Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 54 | 28 | 24.1% | 7.31% | #356 |
| 2024 | 58 | 34 | 22.4% | 7.63% | #368 |
| 2025 | 87 | 48 | 18.4% | 7.63% | #341 |
What First Technology 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 First Technology Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 20 | 8 | 2 | 10.0% |
| Wake County | 12 | 8 | 1 | 8.3% |
| Union County | 5 | 3 | 1 | 20.0% |
| Cumberland County | 4 | 1 | 0 | 0.0% |
| Johnston County | 4 | 3 | 0 | 0.0% |
| Iredell County | 4 | 2 | 2 | 50.0% |
| Cabarrus County | 4 | 2 | 1 | 25.0% |
| Guilford County | 4 | 2 | 2 | 50.0% |
| Catawba County | 3 | 2 | 1 | 33.3% |
| New Hanover County | 3 | 2 | 1 | 33.3% |
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: 87 applications in 2025, of which 48 were originated and 16 denied.
18.4% of all applications, or 22.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans First Technology Federal Credit Union originated in North Carolina in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are First Technology 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