Mountain Credit Union in North Carolina vs the state
15.1%Denial rate-2.97 pts vs state
19.1%Decision denial rate-3.77 pts vs state
64.2%Origination rate+6.34 pts vs state
—Median rate
—Rate spread (pts)
$78kMedian applicant income
34Loans originated
8Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 24 | 18.4% | 5.88% | #409 |
| 2024 | 38 | 26 | 15.8% | 6.56% | #424 |
| 2025 | 53 | 34 | 15.1% | — | #394 |
What Mountain Credit Union lends in North Carolina
By loan purpose
By loan type
Where in North Carolina
Counties with the most Mountain Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Macon County | 17 | 10 | 3 | 17.6% |
| Haywood County | 13 | 10 | 2 | 15.4% |
| Buncombe County | 7 | 4 | 0 | 0.0% |
| Cherokee County | 5 | 3 | 1 | 20.0% |
| Jackson County | 3 | 1 | 2 | 66.7% |
| Henderson County | 3 | 2 | 0 | 0.0% |
| Swain County | 2 | 2 | 0 | 0.0% |
| Polk County | 1 | 0 | 0 | 0.0% |
| Catawba County | 1 | 1 | 0 | 0.0% |
| Transylvania 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: 53 applications in 2025, of which 34 were originated and 8 denied.
15.1% of all applications, or 19.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Mountain 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