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2024 data HMDA 2024 disclosure official source

Sampson County

2,001 mortgage applications, 26.9% denial rate. Verify FIPS 37163 with U.S. Census Bureau →

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North Carolina · FIPS 37163

Local mortgage market. Sampson County, North Carolina saw 2,001 HMDA-reported mortgage applications in 2024. Lenders originated 838 of those loans and denied 538, producing a denial rate of 26.9% and an approval (origination) rate of 41.9%. The average loan amount was $176,139 at an average note rate of 7.17%, with applicants self-reporting average annual income of $38K. 129 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 37163 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,001
Applications
838
Originated
26.9%
Denial Rate
41.9%
Approval Rate
$176,139
Avg Loan Amount
7.17%
Avg Interest Rate
$38K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Sampson 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 119 14.2%
2 United Wholesale Mortgage 61 7.3%
3 Rocket Mortgage 50 6.0%
4 Truist Bank 45 5.4%
5 First Ciitizens Bank and Trust 36 4.3%
Compare State Employees' Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Sampson County?
In the 2024 HMDA reporting year, 2,001 mortgage applications were filed in Sampson County, North Carolina. Of these, 838 were originated (approved and funded), while 538 were denied, resulting in a denial rate of 26.9%.
What is the mortgage denial rate in Sampson County?
The mortgage denial rate in Sampson County is 26.9%. The approval (origination) rate is 41.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Sampson County?
The average mortgage loan amount in Sampson County is $176,139. The average interest rate is 7.173%. The average applicant income is $38K.
What is the loan-to-income ratio in Sampson County?
The average loan-to-income ratio in Sampson County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Sampson County?
The top mortgage lenders in Sampson County by origination volume are State Employees' Credit Union, United Wholesale Mortgage, Rocket Mortgage. In total, 129 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.