Summit Credit Union in North Carolina vs the state
16.5%Denial rate-1.59 pts vs state
16.5%Decision denial rate-6.30 pts vs state
82.3%Origination rate+24.53 pts vs state
—Median rate
—Rate spread (pts)
$86kMedian applicant income
275Loans originated
55Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 367 | 314 | 14.2% | — | #139 |
| 2024 | 350 | 310 | 10.6% | — | #160 |
| 2025 | 334 | 275 | 16.5% | — | #181 |
What Summit Credit Union lends in North Carolina
By loan purpose
By loan type
Where in North Carolina
Counties with the most Summit Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Guilford County | 75 | 72 | 2 | 2.7% |
| Forsyth County | 35 | 35 | 0 | 0.0% |
| Wake County | 24 | 24 | 0 | 0.0% |
| Catawba County | 22 | 22 | 0 | 0.0% |
| Granville County | 16 | 16 | 0 | 0.0% |
| Davidson County | 15 | 15 | 0 | 0.0% |
| Rockingham County | 10 | 10 | 0 | 0.0% |
| Randolph County | 9 | 9 | 0 | 0.0% |
| Alexander County | 6 | 6 | 0 | 0.0% |
| Caldwell County | 5 | 5 | 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: 334 applications in 2025, of which 275 were originated and 55 denied.
16.5% of all applications, or 16.5% 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 Summit 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