# LATINO COMMUNITY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/latino-community-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


LATINO COMMUNITY CREDIT UNION is a credit union, headquartered in Durham, NC, serving borrowers across 3 states, with 344 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 85% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300GOPH3KDGIKIU33
- **Headquarters:** Durham, NC
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** NC, SC, VA
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 15/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.665%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,115
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 344
- **Dollar Volume:** $73 million
- **Applications Received:** 458
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $213,488
- **Average Borrower Income:** $83,302
- **Average Property Value:** $268,605

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 344 | +0.665% | $2,115 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 327 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 327 | $70M | +0.661% | Sound ☺️ |
| Refinance | 25/100 | 17 | $3M | +0.727% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 334 | 0.23% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Charlotte | NC-SC | 82 | 69/100 |
| Greensboro | NC | 56 | 71/100 |
| Raleigh | NC | 52 | 65/100 |
| Non |  | 34 | 38/100 |
| Durham | NC | 33 | 63/100 |
| Winston | NC | 29 | 60/100 |
| Burlington, NC | NC | 19 | 62/100 |
| Hickory | NC | 13 | 48/100 |
| Fayetteville, NC | NC | 11 | 46/100 |

## Where This Lender Ranks

LATINO COMMUNITY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Raleigh Credit Unions
  - [View Full Rankings](https://saferate.com/raleigh/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Raleigh for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/raleigh/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Durham Credit Unions
  - [View Full Rankings](https://saferate.com/durham/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Burlington, NC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/burlington-nc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Hickory for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/hickory/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Greensboro Credit Unions
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Greensboro for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Durham for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/durham/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Winston Credit Unions
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Winston for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in North Carolina Credit Unions
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in North Carolina for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does LATINO COMMUNITY CREDIT UNION offer?

LATINO COMMUNITY CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does LATINO COMMUNITY CREDIT UNION offer mortgages?

LATINO COMMUNITY CREDIT UNION offers mortgages in 3 states: NC, SC, VA.

### How competitive are LATINO COMMUNITY CREDIT UNION's mortgage rates?

LATINO COMMUNITY CREDIT UNION has a pricing score of 15/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.665% above market average.

### What type of lender is LATINO COMMUNITY CREDIT UNION?

LATINO COMMUNITY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Durham, NC.

### What is LATINO COMMUNITY CREDIT UNION's loan approval success rate?

LATINO COMMUNITY CREDIT UNION has a pull-through score of 59/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/latino-community-credit-union

### How to Cite

> "LATINO COMMUNITY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/latino-community-credit-union

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