Graham County
North Carolina · FIPS 37075
According to CFPB HMDA 2024 application volume among U.S. counties, Graham County ranks #2,375 of 3,210, and #97 of 100 in North Carolina.
Mortgage lending activity in Graham 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. Graham County, North Carolina saw 294 HMDA-reported mortgage applications in 2024. Lenders originated 154 of those loans and denied 75, producing a denial rate of 25.5% and an approval (origination) rate of 52.4%. The average loan amount was $197,381 at an average note rate of 7.05%, with applicants self-reporting average annual income of $37K. 51 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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 Graham County
In Graham County, lead originator United Community Bank funded 20.8% of 154 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 46.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Graham County's 294 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Graham County's $197,381 average loan (deduped against volume peers).
Lenders active in Graham County
United Community Bank funded 32 of the 154 loans originated in Graham County, 20.8% of the county. 51 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Community Bank | 32 | 20.8% |
| 2 | State Employees' Credit Union | 28 | 18.2% |
| 3 | Rocket Mortgage | 12 | 7.8% |
| 4 | First Ciitizens Bank and Trust | 12 | 7.8% |
| 5 | Union Home Mortgage Corp. | 5 | 3.2% |
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 Graham 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 Graham 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.