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2024 data HMDA 2024 disclosure official source

Brunswick County

13,015 mortgage applications, 15.1% denial rate. Verify FIPS 37019 with U.S. Census Bureau →

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North Carolina · FIPS 37019

Local mortgage market. Brunswick County, North Carolina saw 13,015 HMDA-reported mortgage applications in 2024. Lenders originated 6,902 of those loans and denied 1,971, producing a denial rate of 15.1% and an approval (origination) rate of 53.0%. The average loan amount was $288,946 at an average note rate of 6.95%, with applicants self-reporting average annual income of $38K. 430 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.6x, meaning typical borrowers took on mortgages of about 7.6 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.

FIPS 37019 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

13,015
Applications
6,902
Originated
15.1%
Denial Rate
53.0%
Approval Rate
$288,946
Avg Loan Amount
6.95%
Avg Interest Rate
$38K
Avg Applicant Income
7.6x
Loan-to-Income Ratio

Nearby Lenders in Brunswick County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 DHI Mortgage Company, LTD. 527 7.6%
2 State Employees' Credit Union 445 6.4%
3 Rocket Mortgage 396 5.7%
4 First National Bank of PA 280 4.1%
5 First Ciitizens Bank and Trust 234 3.4%
Compare DHI Mortgage Company, LTD. vs State Employees' Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Brunswick County?
In the 2024 HMDA reporting year, 13,015 mortgage applications were filed in Brunswick County, North Carolina. Of these, 6,902 were originated (approved and funded), while 1,971 were denied, resulting in a denial rate of 15.1%.
What is the mortgage denial rate in Brunswick County?
The mortgage denial rate in Brunswick County is 15.1%. The approval (origination) rate is 53.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Brunswick County?
The average mortgage loan amount in Brunswick County is $288,946. The average interest rate is 6.946%. The average applicant income is $38K.
What is the loan-to-income ratio in Brunswick County?
The average loan-to-income ratio in Brunswick County is 7.6x, meaning borrowers took on loans averaging 7.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Brunswick County?
The top mortgage lenders in Brunswick County by origination volume are DHI Mortgage Company, LTD., State Employees' Credit Union, Rocket Mortgage. In total, 430 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.