Applications / Mortgage Analytics / Lenders / North Carolina / State Employees' Credit Union / Competition
State Employees' Credit Union
Raleigh, NC · Credit union · NCUA · $58.1 billion assets · 28,397 loans in 2025
28,397
loans originated, 2025
49,354
applications, 2025
5
states and territories
2
gaps bigger than at similar lenders
Who State Employees' Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO NORTH CAROLINA, 2025
State Employees' Credit Union ranks 1st of 762 lenders in non-metro North Carolina, with $1.14B lent: 8.8% of a $12.96B market.
non-metro North Carolina is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and State Employees' Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — RALEIGH-CARY, NC, 2025
State Employees' Credit Union ranks 2nd of 638 lenders in Raleigh-Cary, NC, with $1.11B lent: 7.0% of a $15.84B market.
Raleigh-Cary, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and State Employees' Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — CHARLOTTE-CONCORD-GASTONIA, NC-SC, 2025
State Employees' Credit Union ranks 5th of 775 lenders in Charlotte-Concord-Gastonia, NC-SC, with $790.7M lent: 2.8% of a $28.47B market.
Charlotte-Concord-Gastonia, NC-SC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and State Employees' Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — DURHAM-CHAPEL HILL, NC, 2025
State Employees' Credit Union ranks 2nd of 470 lenders in Durham-Chapel Hill, NC, with $441.2M lent: 7.8% of a $5.66B market.
Durham-Chapel Hill, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and State Employees' Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — WILMINGTON, NC, 2025
State Employees' Credit Union ranks 1st of 538 lenders in Wilmington, NC, with $321.3M lent: 5.2% of a $6.21B market.
Wilmington, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and State Employees' Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — COLUMBUS, AL-GA, 2025
State Employees' Credit Union ranks 262nd of 318 lenders in Columbus, AL-GA, with $175K lent: 0.0% of a $1.54B market.
Columbus, AL-GA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and State Employees' Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — ROME, GA, 2025
State Employees' Credit Union ranks 230th of 233 lenders in Rome, GA, with $75K lent: 0.0% of a $424.3M market.
Rome, GA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and State Employees' Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — JACKSON, TN, 2025
State Employees' Credit Union ranks 121st of 248 lenders in Jackson, TN, with $570K lent: 0.1% of a $897.7M market.
Jackson, TN is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and State Employees' Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 52% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED