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2024 data HMDA 2024 disclosure official source

Onslow County

12,858 mortgage applications, 13.3% denial rate. Verify FIPS 37133 with U.S. Census Bureau →

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North Carolina · FIPS 37133

Local mortgage market. Onslow County, North Carolina saw 12,858 HMDA-reported mortgage applications in 2024. Lenders originated 6,580 of those loans and denied 1,712, producing a denial rate of 13.3% and an approval (origination) rate of 51.2%. The average loan amount was $244,409 at an average note rate of 6.77%, with applicants self-reporting average annual income of $39K. 318 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.3x, meaning typical borrowers took on mortgages of about 6.3 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 37133 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

12,858
Applications
6,580
Originated
13.3%
Denial Rate
51.2%
Approval Rate
$244,409
Avg Loan Amount
6.77%
Avg Interest Rate
$39K
Avg Applicant Income
6.3x
Loan-to-Income Ratio

Nearby Lenders in Onslow 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 Navy Federal Credit Union 884 13.4%
2 Mortgage Research Center 504 7.7%
3 Freedom Mortgage Corporation 426 6.5%
4 Movement Mortgage, LLC 402 6.1%
5 Rocket Mortgage 340 5.2%
Compare Navy Federal Credit Union vs Mortgage Research Center →

Frequently Asked Questions

How many mortgage applications were filed in Onslow County?
In the 2024 HMDA reporting year, 12,858 mortgage applications were filed in Onslow County, North Carolina. Of these, 6,580 were originated (approved and funded), while 1,712 were denied, resulting in a denial rate of 13.3%.
What is the mortgage denial rate in Onslow County?
The mortgage denial rate in Onslow County is 13.3%. The approval (origination) rate is 51.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Onslow County?
The average mortgage loan amount in Onslow County is $244,409. The average interest rate is 6.774%. The average applicant income is $39K.
What is the loan-to-income ratio in Onslow County?
The average loan-to-income ratio in Onslow County is 6.3x, meaning borrowers took on loans averaging 6.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Onslow County?
The top mortgage lenders in Onslow County by origination volume are Navy Federal Credit Union, Mortgage Research Center, Freedom Mortgage Corporation. In total, 318 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.