MICHIGAN STATE UNIVERSITY Federal Credit Union in North Carolina vs the state
11.1%Denial rate-6.95 pts vs state
12.5%Decision denial rate-10.32 pts vs state
77.8%Origination rate+19.97 pts vs state
6.50%Median rate0.00 pts vs state
0.26Rate spread (pts)+0.17 pts vs state
$261kMedian applicant income
7Loans originated
1Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 7 | 13.3% | 6.38% | #558 |
| 2024 | 6 | 6 | 0.0% | 6.88% | #714 |
| 2025 | 9 | 7 | 11.1% | 6.50% | #643 |
What MICHIGAN STATE UNIVERSITY 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 MICHIGAN STATE UNIVERSITY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 2 | 2 | 0 | 0.0% |
| Brunswick County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
| Mecklenburg County | 1 | 1 | 0 | 0.0% |
| Harnett County | 1 | 1 | 0 | 0.0% |
| Chatham County | 1 | 1 | 0 | 0.0% |
| Lenoir 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: 9 applications in 2025, of which 7 were originated and 1 denied.
11.1% of all applications, or 12.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans MICHIGAN STATE UNIVERSITY Federal Credit Union originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are MICHIGAN STATE UNIVERSITY 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