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2024 data HMDA 2024 disclosure official source

Pamlico County

567 mortgage applications, 16.6% denial rate. Verify FIPS 37137 with U.S. Census Bureau →

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North Carolina · FIPS 37137

Local mortgage market. Pamlico County, North Carolina saw 567 HMDA-reported mortgage applications in 2024. Lenders originated 295 of those loans and denied 94, producing a denial rate of 16.6% and an approval (origination) rate of 52.0%. The average loan amount was $241,261 at an average note rate of 7.07%, with applicants self-reporting average annual income of $37K. 72 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.5x, meaning typical borrowers took on mortgages of about 6.5 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 37137 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

567
Applications
295
Originated
16.6%
Denial Rate
52.0%
Approval Rate
$241,261
Avg Loan Amount
7.07%
Avg Interest Rate
$37K
Avg Applicant Income
6.5x
Loan-to-Income Ratio

Nearby Lenders in Pamlico 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 First Ciitizens Bank and Trust 60 20.3%
2 State Employees' Credit Union 37 12.5%
3 Rocket Mortgage 18 6.1%
4 Atlantic Bay Mortgage Group 17 5.8%
5 Guaranteed Rate, INC. 15 5.1%
Compare First Ciitizens Bank and Trust vs State Employees' Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Pamlico County?
In the 2024 HMDA reporting year, 567 mortgage applications were filed in Pamlico County, North Carolina. Of these, 295 were originated (approved and funded), while 94 were denied, resulting in a denial rate of 16.6%.
What is the mortgage denial rate in Pamlico County?
The mortgage denial rate in Pamlico County is 16.6%. The approval (origination) rate is 52.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Pamlico County?
The average mortgage loan amount in Pamlico County is $241,261. The average interest rate is 7.072%. The average applicant income is $37K.
What is the loan-to-income ratio in Pamlico County?
The average loan-to-income ratio in Pamlico County is 6.5x, meaning borrowers took on loans averaging 6.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Pamlico County?
The top mortgage lenders in Pamlico County by origination volume are First Ciitizens Bank and Trust, State Employees' Credit Union, Rocket Mortgage. In total, 72 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.