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2024 data HMDA 2024 disclosure official source

Nash County

4,416 mortgage applications, 21.4% denial rate. Verify FIPS 37127 with U.S. Census Bureau →

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North Carolina · FIPS 37127

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.

FIPS 37127 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,416
Applications
2,128
Originated
21.4%
Denial Rate
48.2%
Approval Rate
$195,793
Avg Loan Amount
7.03%
Avg Interest Rate
$38K
Avg Applicant Income
5.2x
Loan-to-Income Ratio

Nearby Lenders in Nash 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 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%
Compare State Employees' Credit Union vs Southern Bank and Trust Company →

Frequently Asked Questions

How many mortgage applications were filed in Nash County?
In the 2024 HMDA reporting year, 4,416 mortgage applications were filed in Nash County, North Carolina. Of these, 2,128 were originated (approved and funded), while 944 were denied, resulting in a denial rate of 21.4%.
What is the mortgage denial rate in Nash County?
The mortgage denial rate in Nash County is 21.4%. The approval (origination) rate is 48.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Nash County?
The average mortgage loan amount in Nash County is $195,793. The average interest rate is 7.034%. The average applicant income is $38K.
What is the loan-to-income ratio in Nash County?
The average loan-to-income ratio in Nash County is 5.2x, meaning borrowers took on loans averaging 5.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Nash County?
The top mortgage lenders in Nash County by origination volume are State Employees' Credit Union, Southern Bank and Trust Company, Rocket Mortgage. In total, 220 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.