Alamance County
North Carolina · FIPS 37001
According to CFPB HMDA 2024 application volume among U.S. counties, Alamance County ranks #339 of 3,210, and #18 of 100 in North Carolina.
Mortgage lending activity in Alamance County, North Carolina based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Alamance County, North Carolina saw 8,277 HMDA-reported mortgage applications in 2024. Lenders originated 4,492 of those loans and denied 1,616, producing a denial rate of 19.5% and an approval (origination) rate of 54.3%. The average loan amount was $242,783 at an average note rate of 6.93%, with applicants self-reporting average annual income of $37K. 278 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Alamance County
In Alamance County, lead originator State Employees' Credit Union funded 15.5% of 4,492 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 31.5% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Alamance County's 8,277 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Alamance County's $242,783 average loan (deduped against volume peers).
Lenders active in Alamance County
State Employees' Credit Union funded 697 of the 4,492 loans originated in Alamance County, 15.5% of the county. 278 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 697 | 15.5% |
| 2 | Truliant Federal Credit Union | 388 | 8.6% |
| 3 | DHI Mortgage Company, LTD. | 329 | 7.3% |
| 4 | Rocket Mortgage | 228 | 5.1% |
| 5 | Loandepot.Com, LLC | 177 | 3.9% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Alamance County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Alamance County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.