Applications / Mortgage Analytics / Lenders / North Carolina / Latino Community Credit Union
Durham, NC · Credit union · NCUA · $1.0 billion assets · 334 loans in 2025
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334
loans originated, 2025
432
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Latino Community Credit Union lends to poorer borrowers and neighborhoods more than almost any similar lender, and most of its loans buy homes.
Borrowers with low or moderate incomes (LMI) took 57.2% of its loans, and poorer neighborhoods 45.6%. At similar lenders (credit unions making between half and twice as many loans) the figures were 27.5% and 15.6%. Majority-minority areas took 50.0%, against 12.3% at peers.
Home purchases made up 86.2% of its loans. Its typical loan, $205,000, was about double the $105,000 at similar lenders. Its denial rate on home-purchase applications, 3.9%, was lower than the 7.6% at peers.
It made 334 loans, 14% fewer than in 2024, while similar lenders grew 7% and the whole market 10%. It made 705 loans in 2023 and 390 in 2024. Weaker demand in its markets, or a change in what it chose to lend, could account for the fall.
It ranked 206 of 775 lenders in Charlotte-Concord-Gastonia and 165 of 638 in Raleigh-Cary, with 0.1% of each. In Winston-Salem its share rose to 0.2%. State Employees' Credit Union led there and in Greensboro-High Point.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Latino Community Credit Union took 432 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 86.2% · Refinance 11.7% · Home improvement 1.8% · Other 0.3%
Conventional 100.0% · of 334 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 | 322 | 96.4% |
| South Carolina | 7 | 2.1% |
| Virginia | 5 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 76 |
| Winston-Salem | 52 |
| Greensboro-High Point | 47 |
| Raleigh-Cary | 47 |
| Durham-Chapel Hill | 25 |
| Burlington | 13 |
| Hickory-Lenoir-Morganton | 8 |
| Fayetteville | 7 |
| Rocky Mount | 7 |
| Wilmington | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GOPH3KDGIKIU33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2915845 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568430 | 2007–2017 |
Established 1 January 2000. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Latino Community Credit Union's data.
Latino Community Credit Union's data
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Latino Community 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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