Edgecombe County
North Carolina · FIPS 37065
According to CFPB HMDA 2024 application volume among U.S. counties, Edgecombe County ranks #1,099 of 3,210, and #61 of 100 in North Carolina.
Mortgage lending activity in Edgecombe 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. Edgecombe County, North Carolina saw 1,531 HMDA-reported mortgage applications in 2024. Lenders originated 683 of those loans and denied 408, producing a denial rate of 26.6% and an approval (origination) rate of 44.6%. The average loan amount was $144,334 at an average note rate of 6.79%, with applicants self-reporting average annual income of $37K. 125 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 Edgecombe County
In Edgecombe County, lead originator State Employees' Credit Union funded 13.9% of 683 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 27.8% 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 Edgecombe County's 1,531 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Edgecombe County's $144,334 average loan (deduped against volume peers).
Lenders active in Edgecombe County
State Employees' Credit Union funded 95 of the 683 loans originated in Edgecombe County, 13.9% of the county. 125 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 95 | 13.9% |
| 2 | Atlantic Bay Mortgage Group | 50 | 7.3% |
| 3 | Rocket Mortgage | 45 | 6.6% |
| 4 | Guaranteed Rate, INC. | 39 | 5.7% |
| 5 | Truist Bank | 29 | 4.2% |
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 Edgecombe 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 Edgecombe 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.