National Institutes of Health Federal Credit Union in North Carolina vs the state
14.3%Denial rate-3.77 pts vs state
16.7%Decision denial rate-6.15 pts vs state
71.4%Origination rate+13.62 pts vs state
7.56%Median rate+1.05 pts vs state
1.61Rate spread (pts)+1.52 pts vs state
$144kMedian applicant income
10Loans originated
2Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 10 | 27.3% | 6.38% | #496 |
| 2024 | 15 | 4 | 20.0% | 6.75% | #550 |
| 2025 | 14 | 10 | 14.3% | 7.56% | #578 |
What National Institutes of Health 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 National Institutes of Health Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 3 | 2 | 1 | 33.3% |
| Orange County | 2 | 2 | 0 | 0.0% |
| Mecklenburg County | 2 | 1 | 0 | 0.0% |
| Nash County | 1 | 1 | 0 | 0.0% |
| Brunswick County | 1 | 1 | 0 | 0.0% |
| Cumberland County | 1 | 1 | 0 | 0.0% |
| Wilson County | 1 | 1 | 0 | 0.0% |
| Pitt County | 1 | 0 | 0 | 0.0% |
| Union County | 1 | 1 | 0 | 0.0% |
| Cabarrus County | 1 | 0 | 1 | 100.0% |
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: 14 applications in 2025, of which 10 were originated and 2 denied.
14.3% of all applications, or 16.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans National Institutes of Health Federal Credit Union originated in North Carolina in 2025 was 7.56%, against a statewide median of 6.50%.
About this data. Figures are National Institutes of Health 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