Nash County
North Carolina · FIPS 37127
According to CFPB HMDA 2024 application volume among U.S. counties, Nash County ranks #550 of 3,210, and #30 of 100 in North Carolina.
Mortgage lending activity in Nash 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. Nash County, North Carolina saw 4,416 HMDA-reported mortgage applications in 2024. Lenders originated 2,128 of those loans and denied 944, producing a denial rate of 21.4% and an approval (origination) rate of 48.2%. The average loan amount was $195,793 at an average note rate of 7.03%, with applicants self-reporting average annual income of $38K. 220 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 Nash County
In Nash County, lead originator State Employees' Credit Union funded 14.5% of 2,128 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 25.2% 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 Nash County's 4,416 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Nash County's $195,793 average loan (deduped against volume peers).
Lenders active in Nash County
State Employees' Credit Union funded 308 of the 2,128 loans originated in Nash County, 14.5% of the county. 220 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 308 | 14.5% |
| 2 | Southern Bank and Trust Company | 117 | 5.5% |
| 3 | Rocket Mortgage | 111 | 5.2% |
| 4 | Atlantic Bay Mortgage Group | 109 | 5.1% |
| 5 | United Wholesale Mortgage | 60 | 2.8% |
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 Nash 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 Nash 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.