State Employees Credit Union of Maryland in North Carolina vs the state
100.0%Denial rate+81.94 pts vs state
100.0%Decision denial rate+77.18 pts vs state
0.0%Origination rate-57.81 pts vs state
—Median rate
—Rate spread (pts)
$134kMedian applicant income
0Loans originated
6Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 0 | 100.0% | — | #714 |
| 2025 | 6 | 0 | 100.0% | — | #709 |
What State Employees Credit Union of Maryland lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most State Employees Credit Union of Maryland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brunswick County | 1 | 0 | 1 | 100.0% |
| McDowell County | 1 | 0 | 1 | 100.0% |
| Alamance County | 1 | 0 | 1 | 100.0% |
| Wake County | 1 | 0 | 1 | 100.0% |
| Surry County | 1 | 0 | 1 | 100.0% |
| Craven 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: 6 applications in 2025, of which 0 were originated and 6 denied.
100.0% of all applications, or 100.0% 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 State Employees Credit Union of Maryland'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