Telco Community Credit Union mortgage approval rate & lending review
Telco Community Credit Union decided 268 mortgage applications and funded 242 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Telco Community Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Telco Community Credit Union at a glance
Approval is 22.3 points above the 72.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 37 / 39 | 89% | $355K | 33 |
| Cash-out refinance | 93% | 180 / 193 | 97% | $105K | 174 |
Telco Community Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 94% | $105K | 264 | 238 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Telco Community Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Buncombe County, NC | Cash-out refinance | 93% | 148 | 134 |
| Henderson County, NC | Cash-out refinance | 94% | 31 | 27 |
| Buncombe County, NC | Mortgage lenders | 96% | 23 | 20 |
The county markets where Telco Community Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Telco Community Credit Union
What is Telco Community Credit Union's mortgage approval rate?
Telco Community Credit Union approved 94.4% of the 268 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 22.3 points above the 72.1% national rate for the same mix of loan types.
How often do borrowers take the loan Telco Community Credit Union offers?
Borrowers accepted 96% of the loans Telco Community Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Telco Community Credit Union make?
The typical cash-out refinance loan Telco Community Credit Union made was $105K; across all loan types its typical loan ran from $105K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Telco Community Credit Union lend?
Telco Community Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in North Carolina, South Carolina and Georgia.
Can I apply to Telco Community Credit Union directly?
Yes. Telco Community Credit Union is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Telco Community Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Telco Community Credit Union treats applications, then get a rate quote from the lender.