Harnett County
North Carolina · FIPS 37085
According to CFPB HMDA 2024 application volume among U.S. counties, Harnett County ranks #301 of 3,210, and #15 of 100 in North Carolina.
Mortgage lending activity in Harnett 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. Harnett County, North Carolina saw 9,708 HMDA-reported mortgage applications in 2024. Lenders originated 4,899 of those loans and denied 1,403, producing a denial rate of 14.4% and an approval (origination) rate of 50.5%. The average loan amount was $265,501 at an average note rate of 6.70%, with applicants self-reporting average annual income of $39K. 306 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.8x, meaning typical borrowers took on mortgages of about 6.8 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 Harnett County
In Harnett County, lead originator State Employees' Credit Union funded only 8.0% of 4,899 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Harnett County's 9,708 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Harnett County's $265,501 average loan (deduped against volume peers).
Lenders active in Harnett County
State Employees' Credit Union funded 392 of the 4,899 loans originated in Harnett County, 8.0% of the county. 306 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 392 | 8.0% |
| 2 | Rocket Mortgage | 262 | 5.3% |
| 3 | United Wholesale Mortgage | 259 | 5.3% |
| 4 | Movement Mortgage, LLC | 218 | 4.4% |
| 5 | Mortgage Research Center | 196 | 4.0% |
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 Harnett 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 Harnett 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.