Durham County
North Carolina · FIPS 37063
According to CFPB HMDA 2024 application volume among U.S. counties, Durham County ranks #228 of 3,223, and #10 of 100 in North Carolina.
Mortgage lending activity in Durham 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. Durham County, North Carolina lenders denied 1,927 of the applications reported here, financing the rest at an average note rate of 6.98%, with applicants self-reporting average annual income of $36K. 375 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.4x, meaning typical borrowers took on mortgages of about 8.4 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 Durham County
In Durham County, lead originator State Employees' Credit Union funded 12.0% of 6,925 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 22.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Durham County's 12,767 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Durham County's $301,735 average loan (deduped against volume peers).
Lenders active in Durham County
State Employees' Credit Union funded 834 of the 6,925 loans originated in Durham County, 12.0% of the county. 375 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 834 | 12.0% |
| 2 | Rocket Mortgage | 384 | 5.5% |
| 3 | United Wholesale Mortgage | 317 | 4.6% |
| 4 | Lennar Mortgage, LLC | 285 | 4.1% |
| 5 | First Ciitizens Bank and Trust | 257 | 3.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Durham 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 Durham 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.