Granville County
North Carolina · FIPS 37077
According to CFPB HMDA 2024 application volume among U.S. counties, Granville County ranks #814 of 3,223, and #47 of 100 in North Carolina.
Mortgage lending activity in Granville 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. Granville County, North Carolina lenders denied 552 of the applications reported here, financing the rest at an average note rate of 7.17%, with applicants self-reporting average annual income of $38K. 187 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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 Granville County
In Granville County, lead originator State Employees' Credit Union funded 17.2% of 1,239 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 30.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Granville County's 2,533 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Granville County's $218,924 average loan (deduped against volume peers).
Lenders active in Granville County
State Employees' Credit Union funded 213 of the 1,239 loans originated in Granville County, 17.2% of the county. 187 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 213 | 17.2% |
| 2 | Rocket Mortgage | 95 | 7.7% |
| 3 | Loandepot.Com, LLC | 74 | 6.0% |
| 4 | Coastal Federal Credit Union | 43 | 3.5% |
| 5 | United Wholesale Mortgage | 40 | 3.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Granville 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 Granville 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.