Marine Federal Credit Union in North Carolina vs the state
13.6%Denial rate-4.42 pts vs state
16.8%Decision denial rate-6.00 pts vs state
62.1%Origination rate+4.31 pts vs state
6.50%Median rate0.00 pts vs state
—Rate spread (pts)
$100kMedian applicant income
82Loans originated
18Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 50 | 27.3% | 7.25% | #288 |
| 2024 | 89 | 58 | 22.5% | 7.00% | #313 |
| 2025 | 132 | 82 | 13.6% | 6.50% | #285 |
What Marine 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 Marine Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onslow County | 76 | 54 | 6 | 7.9% |
| Craven County | 10 | 4 | 2 | 20.0% |
| New Hanover County | 8 | 3 | 1 | 12.5% |
| Brunswick County | 7 | 4 | 2 | 28.6% |
| Carteret County | 6 | 4 | 2 | 33.3% |
| Wake County | 5 | 1 | 3 | 60.0% |
| Duplin County | 3 | 1 | 1 | 33.3% |
| Pender County | 3 | 3 | 0 | 0.0% |
| Johnston County | 2 | 0 | 0 | 0.0% |
| Franklin County | 2 | 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: 132 applications in 2025, of which 82 were originated and 18 denied.
13.6% of all applications, or 16.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Marine Federal Credit Union originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Marine 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