Stanly County
North Carolina · FIPS 37167
According to CFPB HMDA 2024 application volume among U.S. counties, Stanly County ranks #703 of 3,223, 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 lenders denied 542 of the applications reported here, financing the rest 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Stanly 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 Stanly 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.