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2024 data HMDA 2024 disclosure official source

Pender County

4,776 mortgage applications, 16.3% denial rate. Verify FIPS 37141 with U.S. Census Bureau →

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North Carolina · FIPS 37141

Local mortgage market. Pender County, North Carolina saw 4,776 HMDA-reported mortgage applications in 2024. Lenders originated 2,346 of those loans and denied 776, producing a denial rate of 16.3% and an approval (origination) rate of 49.1%. The average loan amount was $297,341 at an average note rate of 6.94%, with applicants self-reporting average annual income of $39K. 236 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.6x, meaning typical borrowers took on mortgages of about 7.6 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 37141 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,776
Applications
2,346
Originated
16.3%
Denial Rate
49.1%
Approval Rate
$297,341
Avg Loan Amount
6.94%
Avg Interest Rate
$39K
Avg Applicant Income
7.6x
Loan-to-Income Ratio

Nearby Lenders in Pender 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 DHI Mortgage Company, LTD. 164 7.0%
2 State Employees' Credit Union 152 6.5%
3 Rocket Mortgage 131 5.6%
4 Corning Credit Union 122 5.2%
5 Guaranteed Rate, INC. 108 4.6%
Compare DHI Mortgage Company, LTD. vs State Employees' Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Pender County?
In the 2024 HMDA reporting year, 4,776 mortgage applications were filed in Pender County, North Carolina. Of these, 2,346 were originated (approved and funded), while 776 were denied, resulting in a denial rate of 16.3%.
What is the mortgage denial rate in Pender County?
The mortgage denial rate in Pender County is 16.3%. The approval (origination) rate is 49.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Pender County?
The average mortgage loan amount in Pender County is $297,341. The average interest rate is 6.937%. The average applicant income is $39K.
What is the loan-to-income ratio in Pender County?
The average loan-to-income ratio in Pender County is 7.6x, meaning borrowers took on loans averaging 7.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Pender County?
The top mortgage lenders in Pender County by origination volume are DHI Mortgage Company, LTD., State Employees' Credit Union, Rocket Mortgage. In total, 236 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.