CAROLINAS TELCO FEDERAL CREDIT UNION
CAROLINAS TELCO FEDERAL CREDIT UNION received 295 applications in 2025 and made 213 mortgages, in 54 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $155,000. Of 243 decisions, 27 were denials — 11.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300MAIHYOT48UVH49 |
|---|---|
| Applications received | 295 |
| Mortgages made | 213 |
| Denied | 27 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 52 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.18 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 48 | 5.750% | $335,000 | 2.0% |
| Refinancing | 46 | 5.750% | $285,000 | 6.0% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Other purposes | 119 | 7.500% | $75,000 | 16.2% |
Where CAROLINAS TELCO FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Mecklenburg County, NC | 51 | 7.500% | 15.0% |
| Gaston County, NC | 24 | 7.500% | 11.1% |
| Wake County, NC | 16 | 6.500% | 5.9% |
| York County, SC | 15 | 7.500% | 0.0% |
| Union County, NC | 12 | 6.000% | 0.0% |
| Cabarrus County, NC | 10 | 5.875% | 0.0% |
| Lincoln County, NC | 7 | Under 10 loans | 12.5% |
| Richland County, SC | 7 | Under 10 loans | 36.4% |
| Iredell County, NC | 6 | Under 10 loans | 0.0% |
| Greenville County, SC | 6 | Under 10 loans | 0.0% |
| Lexington County, SC | 5 | Under 10 loans | 28.6% |
| Rowan County, NC | 4 | Under 10 loans | 0.0% |
| Lancaster County, SC | 4 | Under 10 loans | 0.0% |
| Stanly County, NC | 3 | Under 10 loans | 0.0% |
| Charleston County, SC | 3 | Under 10 loans | 25.0% |
| Brunswick County, NC | 2 | Under 10 loans | 0.0% |
| Carteret County, NC | 2 | Under 10 loans | 33.3% |
| Cleveland County, NC | 2 | Under 10 loans | 50.0% |
| Forsyth County, NC | 2 | Under 10 loans | 0.0% |
| Henderson County, NC | 2 | Under 10 loans | 0.0% |
| Kershaw County, SC | 2 | Under 10 loans | 0.0% |
| Ashe County, NC | 1 | Under 10 loans | 0.0% |
| Burke County, NC | 1 | Under 10 loans | 0.0% |
| Caldwell County, NC | 1 | Under 10 loans | 0.0% |
| Cumberland County, NC | 1 | Under 10 loans | 0.0% |
| Davidson County, NC | 1 | Under 10 loans | 0.0% |
| Durham County, NC | 1 | Under 10 loans | 0.0% |
| Franklin County, NC | 1 | Under 10 loans | 0.0% |
| Granville County, NC | 1 | Under 10 loans | 0.0% |
| Guilford County, NC | 1 | Under 10 loans | 0.0% |
| Harnett County, NC | 1 | Under 10 loans | 0.0% |
| Johnston County, NC | 1 | Under 10 loans | 50.0% |
| Lee County, NC | 1 | Under 10 loans | 0.0% |
| Moore County, NC | 1 | Under 10 loans | 0.0% |
| New Hanover County, NC | 1 | Under 10 loans | 0.0% |
| Orange County, NC | 1 | Under 10 loans | 0.0% |
| Pitt County, NC | 1 | Under 10 loans | 0.0% |
| Polk County, NC | 1 | Under 10 loans | 0.0% |
| Warren County, NC | 1 | Under 10 loans | 0.0% |
| Wayne County, NC | 1 | Under 10 loans | 0.0% |
| Aiken County, SC | 1 | Under 10 loans | 0.0% |
| Anderson County, SC | 1 | Under 10 loans | 0.0% |
| Berkeley County, SC | 1 | Under 10 loans | 0.0% |
| Cherokee County, SC | 1 | Under 10 loans | 0.0% |
| Darlington County, SC | 1 | Under 10 loans | 0.0% |
| Georgetown County, SC | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Newberry County, SC | 1 | Under 10 loans | 0.0% |
| Orangeburg County, SC | 1 | Under 10 loans | 0.0% |
| Alexander County, NC | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.