Stanly County
North Carolina · FIPS 37167
According to CFPB HMDA 2024 application volume among U.S. counties, Stanly County ranks #694 of 3,210, and #39 of 100 in North Carolina.
Mortgage lending activity in Stanly 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. Stanly County, North Carolina saw 3,150 HMDA-reported mortgage applications in 2024. Lenders originated 1,751 of those loans and denied 542, producing a denial rate of 17.2% and an approval (origination) rate of 55.6%. The average loan amount was $210,076 at an average note rate of 7.07%, with applicants self-reporting average annual income of $38K. 172 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.5x, meaning typical borrowers took on mortgages of about 5.5 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 Stanly County
In Stanly County, lead originator State Employees' Credit Union funded 20.7% of 1,751 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 38.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Stanly County's 3,150 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Stanly County's $210,076 average loan (deduped against volume peers).
Lenders active in Stanly County
State Employees' Credit Union funded 363 of the 1,751 loans originated in Stanly County, 20.7% of the county. 172 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 363 | 20.7% |
| 2 | Uwharrie Bank | 202 | 11.5% |
| 3 | Movement Mortgage, LLC | 105 | 6.0% |
| 4 | Rocket Mortgage | 100 | 5.7% |
| 5 | United Wholesale Mortgage | 74 | 4.2% |
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 Stanly 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 Stanly 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.