Growing again
Its loans rose 15% in 2025, to 139. Similar lenders (credit unions making between half and twice as many loans) grew 9%, and the whole market 10%. The rise follows three thin years: it made 177 loans in 2021 and only 121 in 2024.
Applications / Mortgage Analytics / Lenders / North Carolina / Telco Community Credit Union
Telco Community Credit Union
Candler, NC · Credit union · NCUA · $415 million assets · 139 loans in 2025
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139
loans originated, 2025
167
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Telco Community Credit Union is a refinancing lender in western North Carolina: four in five of its 139 loans in 2025 were refinances, and it has reported since 1990.
Refinancing and mobile homes
Refinances made up 80.6% of its loans and purchases 18.7%, and almost all were conventional. One loan in ten, 10.1%, was on a manufactured home. The typical similar credit union makes none, so that share is higher than at about nine in ten of them.
Members of modest means
Borrowers with low or moderate incomes (LMI) took 39.3% of its loans, against 28.9% at similar lenders. That is more than at about four in five of them, and up from 32.2% in 2024.
A small player in Asheville
Asheville is its largest market, and it has lent there since 1991. It ranked 39th of 422 lenders, with 0.4% of lending, unchanged on the year. Berkadia Commercial Mortgage ranked first and State Employees' Credit Union second.
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
139 loans in 2025, against a peak of 177 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Telco Community Credit Union took 167 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
80.6% of its 2025 loans were refinance loans; 99.3% were conventional loans.
Refinance 80.6% · Purchase 18.7% · Other 0.7%
Conventional 99.3% · USDA (RHS or FSA) 0.7% · of 139 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
3 states, 4 metros, 15 counties
| State | Loans | Share |
|---|---|---|
| North Carolina | 136 | 97.8% |
| South Carolina | 2 | 1.4% |
| Tennessee | 1 | 0.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Asheville | 92 |
| Hickory-Lenoir-Morganton | 25 |
| Spartanburg | 2 |
| Morristown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900R0GC9CW77VXE28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 36698 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563545 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Telco Community Credit Union's data.
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