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2024 data HMDA 2024 disclosure official source

Robeson County

3,692 mortgage applications, 31.0% denial rate. Verify FIPS 37155 with U.S. Census Bureau →

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North Carolina · FIPS 37155

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.

FIPS 37155 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,692
Applications
1,269
Originated
31.0%
Denial Rate
34.4%
Approval Rate
$155,980
Avg Loan Amount
7.20%
Avg Interest Rate
$38K
Avg Applicant Income
4.1x
Loan-to-Income Ratio

Nearby Lenders in Robeson 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 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%
Compare State Employees' Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Robeson County?
In the 2024 HMDA reporting year, 3,692 mortgage applications were filed in Robeson County, North Carolina. Of these, 1,269 were originated (approved and funded), while 1,146 were denied, resulting in a denial rate of 31.0%.
What is the mortgage denial rate in Robeson County?
The mortgage denial rate in Robeson County is 31.0%. The approval (origination) rate is 34.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Robeson County?
The average mortgage loan amount in Robeson County is $155,980. The average interest rate is 7.200%. The average applicant income is $38K.
What is the loan-to-income ratio in Robeson County?
The average loan-to-income ratio in Robeson County is 4.1x, meaning borrowers took on loans averaging 4.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Robeson County?
The top mortgage lenders in Robeson County by origination volume are State Employees' Credit Union, Rocket Mortgage, 21st Mortgage. In total, 159 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.