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2024 data HMDA 2024 disclosure official source

Columbus County

1,876 mortgage applications, 28.9% denial rate. Verify FIPS 37047 with U.S. Census Bureau →

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North Carolina · FIPS 37047

Local mortgage market. Columbus County, North Carolina saw 1,876 HMDA-reported mortgage applications in 2024. Lenders originated 720 of those loans and denied 543, producing a denial rate of 28.9% and an approval (origination) rate of 38.4%. The average loan amount was $159,611 at an average note rate of 7.29%, with applicants self-reporting average annual income of $38K. 134 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 37047 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,876
Applications
720
Originated
28.9%
Denial Rate
38.4%
Approval Rate
$159,611
Avg Loan Amount
7.29%
Avg Interest Rate
$38K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Columbus 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 95 13.2%
2 Rocket Mortgage 37 5.1%
3 21st Mortgage 36 5.0%
4 First Ciitizens Bank and Trust 27 3.8%
5 Truist Bank 24 3.3%
Compare State Employees' Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Columbus County?
In the 2024 HMDA reporting year, 1,876 mortgage applications were filed in Columbus County, North Carolina. Of these, 720 were originated (approved and funded), while 543 were denied, resulting in a denial rate of 28.9%.
What is the mortgage denial rate in Columbus County?
The mortgage denial rate in Columbus County is 28.9%. The approval (origination) rate is 38.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Columbus County?
The average mortgage loan amount in Columbus County is $159,611. The average interest rate is 7.287%. The average applicant income is $38K.
What is the loan-to-income ratio in Columbus County?
The average loan-to-income ratio in Columbus County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Columbus County?
The top mortgage lenders in Columbus County by origination volume are State Employees' Credit Union, Rocket Mortgage, 21st Mortgage. In total, 134 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.