Rutherford County
North Carolina · FIPS 37161
According to CFPB HMDA 2024 application volume among U.S. counties, Rutherford County ranks #791 of 3,223, and #45 of 100 in North Carolina.
Mortgage lending activity in Rutherford 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. Rutherford County, North Carolina lenders denied 537 of the applications reported here, financing the rest at an average note rate of 7.09%, with applicants self-reporting average annual income of $37K. 170 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 Rutherford County
In Rutherford County, lead originator State Employees' Credit Union funded 17.0% of 1,305 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 33.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Rutherford County's 2,623 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Rutherford County's $193,551 average loan (deduped against volume peers).
Lenders active in Rutherford County
State Employees' Credit Union funded 222 of the 1,305 loans originated in Rutherford County, 17.0% of the county. 170 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 222 | 17.0% |
| 2 | Rocket Mortgage | 107 | 8.2% |
| 3 | Movement Mortgage, LLC | 101 | 7.7% |
| 4 | Atlantic Bay Mortgage Group | 61 | 4.7% |
| 5 | United Wholesale Mortgage | 50 | 3.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Rutherford County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Rutherford County borrowers. 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.