Latino Community Credit Union in North Carolina vs the state
7.9%Denial rate-10.13 pts vs state
8.4%Decision denial rate-14.44 pts vs state
77.4%Origination rate+19.59 pts vs state
7.50%Median rate+1.00 pts vs state
0.71Rate spread (pts)+0.62 pts vs state
$70kMedian applicant income
322Loans originated
33Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 846 | 690 | 6.3% | 6.50% | #86 |
| 2024 | 510 | 378 | 6.3% | 7.75% | #126 |
| 2025 | 416 | 322 | 7.9% | 7.50% | #155 |
What Latino 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 Latino Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Forsyth County | 53 | 43 | 2 | 3.8% |
| Guilford County | 46 | 35 | 1 | 2.2% |
| Mecklenburg County | 42 | 30 | 5 | 11.9% |
| Wake County | 32 | 27 | 3 | 9.4% |
| Durham County | 25 | 20 | 2 | 8.0% |
| Gaston County | 22 | 20 | 0 | 0.0% |
| Johnston County | 20 | 17 | 1 | 5.0% |
| Alamance County | 19 | 13 | 1 | 5.3% |
| Harnett County | 14 | 10 | 0 | 0.0% |
| Randolph County | 12 | 10 | 2 | 16.7% |
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: 416 applications in 2025, of which 322 were originated and 33 denied.
7.9% of all applications, or 8.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Latino Community Credit Union originated in North Carolina in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Latino 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