LANGLEY Federal Credit Union in North Carolina vs the state
25.5%Denial rate+7.42 pts vs state
26.8%Decision denial rate+3.96 pts vs state
69.0%Origination rate+11.22 pts vs state
6.99%Median rate+0.49 pts vs state
0.64Rate spread (pts)+0.55 pts vs state
$122kMedian applicant income
214Loans originated
79Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 97 | 59 | 34.0% | 7.99% | #292 |
| 2024 | 163 | 112 | 27.6% | 7.62% | #238 |
| 2025 | 310 | 214 | 25.5% | 6.99% | #192 |
What LANGLEY 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 LANGLEY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 101 | 75 | 23 | 22.8% |
| Pasquotank County | 26 | 18 | 7 | 26.9% |
| Durham County | 14 | 8 | 6 | 42.9% |
| Dare County | 14 | 13 | 1 | 7.1% |
| Currituck County | 13 | 11 | 2 | 15.4% |
| Mecklenburg County | 10 | 7 | 2 | 20.0% |
| Johnston County | 9 | 6 | 2 | 22.2% |
| Guilford County | 7 | 5 | 2 | 28.6% |
| Halifax County | 7 | 1 | 2 | 28.6% |
| Onslow County | 6 | 3 | 3 | 50.0% |
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: 310 applications in 2025, of which 214 were originated and 79 denied.
25.5% of all applications, or 26.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans LANGLEY Federal Credit Union originated in North Carolina in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are LANGLEY 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