United Nations Federal Credit Union in North Carolina vs the state
13.4%Denial rate-4.66 pts vs state
16.3%Decision denial rate-6.57 pts vs state
69.1%Origination rate+11.26 pts vs state
5.88%Median rate-0.63 pts vs state
-0.14Rate spread (pts)-0.23 pts vs state
$200kMedian applicant income
67Loans originated
13Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 123 | 61 | 11.4% | 6.50% | #257 |
| 2024 | 125 | 63 | 10.4% | 6.50% | #274 |
| 2025 | 97 | 67 | 13.4% | 5.88% | #327 |
What United Nations 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 United Nations Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 30 | 19 | 6 | 20.0% |
| Mecklenburg County | 12 | 8 | 0 | 0.0% |
| Cabarrus County | 9 | 6 | 1 | 11.1% |
| Brunswick County | 8 | 6 | 0 | 0.0% |
| New Hanover County | 6 | 5 | 1 | 16.7% |
| Durham County | 4 | 3 | 0 | 0.0% |
| Union County | 4 | 2 | 2 | 50.0% |
| Chatham County | 3 | 3 | 0 | 0.0% |
| Guilford County | 3 | 2 | 0 | 0.0% |
| Catawba County | 3 | 3 | 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: 97 applications in 2025, of which 67 were originated and 13 denied.
13.4% of all applications, or 16.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans United Nations Federal Credit Union originated in North Carolina in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are United Nations 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