Johnston County
North Carolina · FIPS 37101
According to CFPB HMDA 2024 application volume among U.S. counties, Johnston County ranks #206 of 3,210, and #6 of 100 in North Carolina.
Mortgage lending activity in Johnston 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. Johnston County, North Carolina saw 13,935 HMDA-reported mortgage applications in 2024. Lenders originated 7,556 of those loans and denied 2,095, producing a denial rate of 15.0% and an approval (origination) rate of 54.2%. The average loan amount was $250,864 at an average note rate of 6.88%, with applicants self-reporting average annual income of $38K. 372 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 Johnston County
In Johnston County, lead originator State Employees' Credit Union funded 13.8% of 7,556 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 23.4% 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 Johnston County's 13,935 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Johnston County's $250,864 average loan (deduped against volume peers).
Lenders active in Johnston County
State Employees' Credit Union funded 1,043 of the 7,556 loans originated in Johnston County, 13.8% of the county. 372 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 1,043 | 13.8% |
| 2 | Rocket Mortgage | 455 | 6.0% |
| 3 | United Wholesale Mortgage | 272 | 3.6% |
| 4 | Fairway Independent Mort CORP | 264 | 3.5% |
| 5 | Movement Mortgage, LLC | 259 | 3.4% |
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 Johnston 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 Johnston 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.