Applications / Mortgage Analytics / Lenders / North Carolina / Civic Federal Credit Union
Raleigh, NC · Credit union · NCUA · $3.3 billion assets · 655 loans in 2025
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655
loans originated, 2025
1,838
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Civic Federal Credit Union is a North Carolina credit union making small refinance and home-improvement loans, whose originations fell 59% in 2025 to 655 from 1,589.
It made 655 loans in 2025, against 1,589 in 2024 and 5,950 in 2022. Similar lenders (credit unions making between half and twice as many loans) grew 6%, and the whole market 10%. The data do not show why; a change in the loans it chose to offer is one possibility.
Its typical loan, $55,000, is smaller than nearly all similar lenders' $105,000, and it made no jumbo loans. Refinances are 53.1% of its loans, home improvement 21.1% and other purposes 17.6%; purchases are 8.2%. It is a lender to existing homeowners rather than to buyers.
Its share fell in each of its main metros as its lending fell, most in Hickory-Lenoir-Morganton, NC, to 0.1% from 0.5%. It has lent in Charlotte, Raleigh, Wilmington and Hickory since before 1990.
23.2% of its loans were in LMI (low- and moderate-income) areas, higher than about nine in ten similar lenders (15.1%), and 32.3% went to LMI borrowers, against 26.9%. 19.2% were in majority-minority areas, against 10.8%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Civic Federal Credit Union took 1,838 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 53.1% · Home improvement 21.1% · Other 17.6% · Purchase 8.2%
Conventional 99.8% · USDA (RHS or FSA) 0.2% · of 655 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 642 | 98.0% |
| South Carolina | 6 | 0.9% |
| Virginia | 6 | 0.9% |
| Georgia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 134 |
| Raleigh-Cary | 77 |
| Wilmington | 43 |
| Hickory-Lenoir-Morganton | 42 |
| Winston-Salem | 42 |
| Greensboro-High Point | 31 |
| Asheville | 24 |
| Durham-Chapel Hill | 24 |
| Greenville | 19 |
| Rocky Mount | 18 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SJTLYB6ZWKPR88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 815398 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524003 | 1990–2017 |
Established 1 January 1983. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Civic Federal Credit Union's data.
Civic Federal Credit Union's data
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Civic Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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