# Telco Community Credit Union

> **Canonical URL:** https://saferate.com/lenders/telco-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


Telco Community Credit Union is a credit union, headquartered in Candler, NC, with 46 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900R0GC9CW77VXE28
- **Headquarters:** Candler, NC
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NC
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 46
- **Dollar Volume:** $14 million
- **Applications Received:** 74
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $297,826
- **Average Borrower Income:** $164,848
- **Average Property Value:** $524,783

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 29/100 | 43 | - | - | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 35 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 51/100 | 37 | $10M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 46 | 0.03% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Asheville, NC | NC | 20 | 64/100 |
| Non |  | 16 | 36/100 |
| Hickory | NC | 10 | 51/100 |

## Where This Lender Ranks

Telco Community Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Asheville, NC Credit Unions
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Hickory for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/hickory/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Asheville, NC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Telco Community Credit Union offer?

Telco 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 Telco Community Credit Union offer mortgages?

Telco Community Credit Union offers mortgages in 1 states: NC.

### What type of lender is Telco Community Credit Union?

Telco Community Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Candler, NC.

### What is Telco Community Credit Union's loan approval success rate?

Telco Community Credit Union has a pull-through score of 34/100 (Acceptable). 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/telco-community-credit-union

### How to Cite

> "Telco Community Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/telco-community-credit-union

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