Applications / Mortgage Analytics / Lenders / North Carolina / RTP Federal Credit Union
Morrisville, NC · Credit union · NCUA · $142 million assets · 45 loans in 2025
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45
loans originated, 2025
62
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RTP Federal Credit Union more than doubled its loans in 2025, to 45, though it still lends far less than it did in 2020 and 2021.
Its loans rose 125%, from 20 to 45, faster than nearly all similar lenders (credit unions making between half and twice as many loans), whose typical growth was 3%. The rise starts from a low base. It made 133 loans in 2020 and 120 in 2021.
Home improvement makes up 55.6% of its loans, refinancing 31.1% and other purposes 13.3%. It made no purchase loans. Its typical loan is $65,000, against $95,000 at its peers.
Loans in low- and moderate-income (LMI) neighborhoods made up 35.6% of its lending, about double the 17.3% at similar lenders and higher than at nine in ten. Majority-minority neighborhoods took 33.3%, against 9.4% at its peers. Both shares were lower five years before, at 18.8% and 22.6%.
It lends in 11 counties across five metros in North Carolina. Raleigh-Cary is its largest market, where it has lent since 1992, and it entered Winston-Salem in 2025. Its share in each is too small to register.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. RTP Federal Credit Union took 62 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 55.6% · Refinance 31.1% · Other 13.3%
Conventional 100.0% · of 45 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 | 45 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Raleigh-Cary | 24 |
| Durham-Chapel Hill | 16 |
| Burlington | 1 |
| Wilmington | 1 |
| Winston-Salem | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300838ZAWQIH9V751 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 744788 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 518550 | 1992–2017 |
Established 1 January 1968. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: RTP Federal Credit Union's data.
RTP Federal Credit Union's data
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RTP 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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