Robeson County
North Carolina · FIPS 37155
According to CFPB HMDA 2024 application volume among U.S. counties, Robeson County ranks #625 of 3,210, and #36 of 100 in North Carolina.
Mortgage lending activity in Robeson 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. Robeson County, North Carolina saw 3,692 HMDA-reported mortgage applications in 2024. Lenders originated 1,269 of those loans and denied 1,146, producing a denial rate of 31.0% and an approval (origination) rate of 34.4%. The average loan amount was $155,980 at an average note rate of 7.20%, with applicants self-reporting average annual income of $38K. 159 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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 Robeson County
In Robeson County, lead originator State Employees' Credit Union funded 13.3% of 1,269 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 25.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Robeson County's 3,692 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Robeson County's $155,980 average loan (deduped against volume peers).
Lenders active in Robeson County
State Employees' Credit Union funded 169 of the 1,269 loans originated in Robeson County, 13.3% of the county. 159 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 169 | 13.3% |
| 2 | Rocket Mortgage | 75 | 5.9% |
| 3 | 21st Mortgage | 73 | 5.8% |
| 4 | Lumbee Guaranty Bank | 58 | 4.6% |
| 5 | Mortgage Research Center | 56 | 4.4% |
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 Robeson 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 Robeson 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.