Telco Community Credit Union in North Carolina vs the state
2.4%Denial rate-15.62 pts vs state
2.7%Decision denial rate-20.14 pts vs state
82.9%Origination rate+25.12 pts vs state
7.00%Median rate+0.50 pts vs state
2.00Rate spread (pts)+1.91 pts vs state
$74kMedian applicant income
136Loans originated
4Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 164 | 134 | 5.5% | 7.19% | #219 |
| 2024 | 157 | 121 | 5.1% | 8.25% | #242 |
| 2025 | 164 | 136 | 2.4% | 7.00% | #255 |
What Telco Community 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 Telco Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Buncombe County | 81 | 64 | 3 | 3.7% |
| Henderson County | 20 | 18 | 0 | 0.0% |
| Burke County | 14 | 13 | 0 | 0.0% |
| Madison County | 10 | 10 | 0 | 0.0% |
| Catawba County | 7 | 6 | 0 | 0.0% |
| Transylvania County | 7 | 6 | 1 | 14.3% |
| Haywood County | 7 | 7 | 0 | 0.0% |
| Caldwell County | 7 | 5 | 0 | 0.0% |
| Rutherford County | 3 | 2 | 0 | 0.0% |
| Yancey County | 2 | 2 | 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: 164 applications in 2025, of which 136 were originated and 4 denied.
2.4% of all applications, or 2.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Telco Community Credit Union originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Telco Community 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