Ashe County
North Carolina · FIPS 37009
According to CFPB HMDA 2024 application volume among U.S. counties, Ashe County ranks #1,474 of 3,223, and #73 of 100 in North Carolina.
Mortgage lending activity in Ashe 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. Ashe County, North Carolina lenders denied 161 of the applications reported here, financing the rest at an average note rate of 6.97%, with applicants self-reporting average annual income of $37K. 106 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.2x, meaning typical borrowers took on mortgages of about 6.2 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 Ashe County
In Ashe County, lead originator State Employees' Credit Union funded 24.5% of 522 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 37.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Ashe County's 953 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Ashe County's $231,149 average loan (deduped against volume peers).
Lenders active in Ashe County
State Employees' Credit Union funded 128 of the 522 loans originated in Ashe County, 24.5% of the county. 106 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 128 | 24.5% |
| 2 | First National Bank of PA | 37 | 7.1% |
| 3 | Rocket Mortgage | 30 | 5.7% |
| 4 | First Ciitizens Bank and Trust | 28 | 5.4% |
| 5 | Movement Mortgage, LLC | 25 | 4.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Ashe County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Ashe County borrowers. 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.