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2024 data HMDA 2024 disclosure official source

Caldwell County

2,977 mortgage applications, 17.2% denial rate. Verify FIPS 37027 with U.S. Census Bureau →

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North Carolina · FIPS 37027

Local mortgage market. Caldwell County, North Carolina saw 2,977 HMDA-reported mortgage applications in 2024. Lenders originated 1,667 of those loans and denied 512, producing a denial rate of 17.2% and an approval (origination) rate of 56.0%. The average loan amount was $191,150 at an average note rate of 6.99%, with applicants self-reporting average annual income of $37K. 167 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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.

FIPS 37027 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,977
Applications
1,667
Originated
17.2%
Denial Rate
56.0%
Approval Rate
$191,150
Avg Loan Amount
6.99%
Avg Interest Rate
$37K
Avg Applicant Income
5.2x
Loan-to-Income Ratio

Nearby Lenders in Caldwell 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 State Employees' Credit Union 368 22.1%
2 Crosscountry Mortgage, LLC 147 8.8%
3 Rocket Mortgage 137 8.2%
4 First Ciitizens Bank and Trust 76 4.6%
5 United Wholesale Mortgage 62 3.7%
Compare State Employees' Credit Union vs Crosscountry Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Caldwell County?
In the 2024 HMDA reporting year, 2,977 mortgage applications were filed in Caldwell County, North Carolina. Of these, 1,667 were originated (approved and funded), while 512 were denied, resulting in a denial rate of 17.2%.
What is the mortgage denial rate in Caldwell County?
The mortgage denial rate in Caldwell County is 17.2%. The approval (origination) rate is 56.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Caldwell County?
The average mortgage loan amount in Caldwell County is $191,150. The average interest rate is 6.987%. The average applicant income is $37K.
What is the loan-to-income ratio in Caldwell County?
The average loan-to-income ratio in Caldwell County is 5.2x, meaning borrowers took on loans averaging 5.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Caldwell County?
The top mortgage lenders in Caldwell County by origination volume are State Employees' Credit Union, Crosscountry Mortgage, LLC, Rocket Mortgage. In total, 167 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.