Lender in North Carolina · HMDA 2025
Navy Federal Credit Union mortgages in North Carolina
Navy Federal Credit Union's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Navy Federal Credit Union originated 2,559 owner-occupied single-family loans in North Carolina from 2,967 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $2,990 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
2,559
of 2,967 applications
Denial rate
7.3%
Purchase · NC 7.6%
Rate spread
−0.10 pts
Conv. · NC +0.04 pts
Loan amount
$315,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,312 | 2,118 | 7.3% | 6.625% | −0.10 pts | $2,990 | $315,000 |
| Refinance | 237 | 169 | 27.4% | 6.250% | −0.34 pts | $2,360 | $315,000 |
| Cash-out refinance | 418 | 272 | 34.7% | 6.750% | +0.10 pts | $1,990 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Navy Federal Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 68.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Onslow County | 2 | 455 | 8.7% |
| Camden County | 2 | 22 | 8.0% |
| Craven County | 3 | 140 | 7.1% |
| Carteret County | 3 | 52 | 4.8% |
| Cumberland County | 5 | 220 | 3.7% |
| Perquimans County | 5 | 9 | 4.6% |
| Pasquotank County | 6 | 30 | 3.6% |
| Granville County | 6 | 21 | 2.5% |
| Hoke County | 7 | 60 | 3.5% |
| Pamlico County | 7 | 7 | 4.1% |
| Beaufort County | 8 | 15 | 3.5% |
| Yadkin County | 8 | 9 | 2.3% |
| Caswell County | 8 | 4 | 2.4% |
| Chowan County | 8 | 4 | 2.3% |
| Jones County | 8 | 4 | 3.4% |
| Vance County | 9 | 6 | 2.0% |
| Alleghany County | 9 | 2 | 1.6% |
| Duplin County | 10 | 7 | 2.0% |
| Scotland County | 10 | 6 | 2.2% |
| Warren County | 10 | 3 | 2.2% |
| Columbus County | 11 | 6 | 1.6% |
| Gates County | 11 | 2 | 1.9% |
| Harnett County | 12 | 85 | 2.1% |
| Dare County | 12 | 14 | 2.6% |
| Hertford County | 12 | 2 | 2.1% |
| Pender County | 13 | 31 | 2.2% |
| Greene County | 13 | 2 | 1.9% |
| Moore County | 14 | 49 | 2.1% |
| Wayne County | 14 | 35 | 2.1% |
| Lee County | 14 | 22 | 1.9% |
- Navy Federal Credit Union nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology