Applications / Mortgage Analytics / Lenders / North Carolina / Carolinas Telco Federal Credit Union
Charlotte, NC · Credit union · NCUA · $507 million assets · 213 loans in 2025
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213
loans originated, 2025
295
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Carolinas Telco Federal Credit Union, a North Carolina credit union, is back to its old volume: it made 213 loans in 2025, after just 9 in 2023 and 18 in 2024.
Its 213 loans in 2025 were close to the 219 of 2020. Its rise of 1083% is measured from so few loans that it says little; similar lenders (credit unions making between half and twice as many loans) grew 7%. The record does not say why 2023 and 2024 were so thin. Home improvement made up 30.5% of its lending in 2025 and other purposes 25.4%.
Its typical loan, $155,000, was bigger than at about four in five similar lenders, where it was $105,000. Jumbo loans (larger than the conforming limit) were 7.6% of its lending, against 0.0% at the typical similar lender.
Low- and moderate-income (LMI) neighborhoods took 23.1% of its loans, against 16.4% at similar lenders, more than at about four in five of them. Majority-minority neighborhoods took 19.7%, against a typical 10.9%.
It lends in 18 metros across 2 states. In Charlotte-Concord-Gastonia, where it has lent since at least 1990, it ranks 152 of 775 lenders with 0.1% of the market, up from 0.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Carolinas Telco Federal Credit Union took 295 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 30.5% · Other 25.4% · Purchase 22.5% · Refinance 21.6%
Conventional 100.0% · of 213 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 | 162 | 76.1% |
| South Carolina | 51 | 23.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 133 |
| Raleigh-Cary | 18 |
| Columbia | 14 |
| Greenville-Anderson-Greer | 7 |
| Charleston-North Charleston | 4 |
| Wilmington | 3 |
| Winston-Salem | 3 |
| Asheville | 2 |
| Durham-Chapel Hill | 2 |
| Hickory-Lenoir-Morganton | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MAIHYOT48UVH49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1016987 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 523494 | 1990–2017 |
Established 1 January 1979. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Carolinas Telco Federal Credit Union's data.
Carolinas Telco Federal Credit Union's data
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Carolinas Telco 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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