Craven County
North Carolina · FIPS 37049
According to CFPB HMDA 2024 application volume among U.S. counties, Craven County ranks #472 of 3,210, and #24 of 100 in North Carolina.
Mortgage lending activity in Craven 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. Craven County, North Carolina saw 5,493 HMDA-reported mortgage applications in 2024. Lenders originated 2,813 of those loans and denied 910, producing a denial rate of 16.6% and an approval (origination) rate of 51.2%. The average loan amount was $218,088 at an average note rate of 6.84%, with applicants self-reporting average annual income of $38K. 209 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.7x, meaning typical borrowers took on mortgages of about 5.7 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 Craven County
In Craven County, lead originator Navy Federal Credit Union funded only 10.2% of 2,813 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Craven County's 5,493 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Craven County's $218,088 average loan (deduped against volume peers).
Lenders active in Craven County
Navy Federal Credit Union funded 286 of the 2,813 loans originated in Craven County, 10.2% of the county. 209 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Navy Federal Credit Union | 286 | 10.2% |
| 2 | State Employees' Credit Union | 219 | 7.8% |
| 3 | Rocket Mortgage | 197 | 7.0% |
| 4 | First Ciitizens Bank and Trust | 193 | 6.9% |
| 5 | Atlantic Bay Mortgage Group | 192 | 6.8% |
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 Craven 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 Craven 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.