Lender in North Carolina · HMDA 2025
United Federal Credit Union mortgages in North Carolina
United Federal Credit Union's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
United Federal Credit Union originated 215 owner-occupied single-family loans in North Carolina from 228 completed applications.
Its median conventional purchase loan costs were $4,330 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
215
of 228 applications
Denial rate
2.8%
Purchase · NC 7.6%
Rate spread
+0.17 pts
Conv. · NC +0.04 pts
Loan amount
$355,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 180 | 175 | 2.8% | 6.625% | +0.17 pts | $4,330 | $355,000 |
| Refinance | 28 | 23 | 14.3% | — | −0.79 pts | $3,750 | $315,000 |
| Cash-out refinance | 20 | 17 | 15.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where United Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Henderson County | 7 | 63 | 3.6% |
| Polk County | 7 | 9 | 3.8% |
| Yancey County | 8 | 4 | 2.4% |
| Buncombe County | 10 | 62 | 2.1% |
| Transylvania County | 15 | 6 | 2.0% |
| Rutherford County | 16 | 9 | 1.3% |
| Jackson County | 18 | 4 | 1.4% |
| Haywood County | 19 | 10 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology