Orange County
North Carolina · FIPS 37135
According to CFPB HMDA 2024 application volume among U.S. counties, Orange County ranks #556 of 3,210, and #31 of 100 in North Carolina.
Mortgage lending activity in Orange 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. Orange County, North Carolina saw 4,386 HMDA-reported mortgage applications in 2024. Lenders originated 2,407 of those loans and denied 674, producing a denial rate of 15.4% and an approval (origination) rate of 54.9%. The average loan amount was $336,101 at an average note rate of 7.05%, with applicants self-reporting average annual income of $36K. 243 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 9.3x, meaning typical borrowers took on mortgages of about 9.3 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Orange County
In Orange County, lead originator State Employees' Credit Union funded 20.0% of 2,407 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 29.9% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Orange County's 4,386 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Orange County's $336,101 average loan (deduped against volume peers).
Lenders active in Orange County
State Employees' Credit Union funded 482 of the 2,407 loans originated in Orange County, 20.0% of the county. 243 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 482 | 20.0% |
| 2 | Rocket Mortgage | 122 | 5.1% |
| 3 | First Ciitizens Bank and Trust | 116 | 4.8% |
| 4 | United Wholesale Mortgage | 112 | 4.7% |
| 5 | Corporate Investors Mortgage G | 109 | 4.5% |
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 Orange 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 Orange 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.