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2024 data HMDA 2024 disclosure official source

Hoke County

4,052 mortgage applications, 13.6% denial rate. Verify FIPS 37093 with U.S. Census Bureau →

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North Carolina · FIPS 37093

Local mortgage market. Hoke County, North Carolina saw 4,052 HMDA-reported mortgage applications in 2024. Lenders originated 1,924 of those loans and denied 552, producing a denial rate of 13.6% and an approval (origination) rate of 47.5%. The average loan amount was $255,982 at an average note rate of 6.70%, with applicants self-reporting average annual income of $40K. 187 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 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.

FIPS 37093 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,052
Applications
1,924
Originated
13.6%
Denial Rate
47.5%
Approval Rate
$255,982
Avg Loan Amount
6.70%
Avg Interest Rate
$40K
Avg Applicant Income
6.4x
Loan-to-Income Ratio

Nearby Lenders in Hoke County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Mortgage Research Center 217 11.3%
2 United Wholesale Mortgage 124 6.4%
3 Freedom Mortgage Corporation 102 5.3%
4 Navy Federal Credit Union 94 4.9%
5 Movement Mortgage, LLC 79 4.1%
Compare Mortgage Research Center vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Hoke County?
In the 2024 HMDA reporting year, 4,052 mortgage applications were filed in Hoke County, North Carolina. Of these, 1,924 were originated (approved and funded), while 552 were denied, resulting in a denial rate of 13.6%.
What is the mortgage denial rate in Hoke County?
The mortgage denial rate in Hoke County is 13.6%. The approval (origination) rate is 47.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hoke County?
The average mortgage loan amount in Hoke County is $255,982. The average interest rate is 6.699%. The average applicant income is $40K.
What is the loan-to-income ratio in Hoke County?
The average loan-to-income ratio in Hoke County is 6.4x, meaning borrowers took on loans averaging 6.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hoke County?
The top mortgage lenders in Hoke County by origination volume are Mortgage Research Center, United Wholesale Mortgage, Freedom Mortgage Corporation. In total, 187 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.