Lender in North Carolina · HMDA 2025
Coastal Federal Credit Union mortgages in North Carolina
Coastal Federal Credit Union's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Coastal Federal Credit Union originated 655 owner-occupied single-family loans in North Carolina from 690 completed applications.
Its median conventional purchase loan costs were $3,990 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
655
of 690 applications
Denial rate
3.2%
Purchase · NC 7.6%
Rate spread
+0.01 pts
Conv. · NC +0.04 pts
Loan amount
$385,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 524 | 506 | 3.2% | 6.625% | +0.01 pts | $3,990 | $385,000 |
| Refinance | 86 | 76 | 10.5% | 6.250% | −0.08 pts | $3,420 | $365,000 |
| Cash-out refinance | 80 | 73 | 8.8% | 6.500% | −0.11 pts | $3,570 | $325,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Coastal Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Franklin County | 10 | 32 | 2.1% |
| Granville County | 11 | 14 | 1.7% |
| Vance County | 14 | 5 | 1.6% |
| Wake County | 16 | 292 | 1.5% |
| Orange County | 17 | 20 | 1.3% |
| Durham County | 19 | 64 | 1.4% |
| Pamlico County | 19 | 2 | 1.2% |
| Chatham County | 23 | 15 | 1.2% |
| Johnston County | 25 | 50 | 1.0% |
| Ashe County | 25 | 2 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology