Stokes County
North Carolina · FIPS 37169
According to CFPB HMDA 2024 application volume among U.S. counties, Stokes County ranks #936 of 3,210, and #52 of 100 in North Carolina.
Mortgage lending activity in Stokes 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. Stokes County, North Carolina saw 1,965 HMDA-reported mortgage applications in 2024. Lenders originated 1,047 of those loans and denied 373, producing a denial rate of 19.0% and an approval (origination) rate of 53.3%. The average loan amount was $183,982 at an average note rate of 6.81%, with applicants self-reporting average annual income of $36K. 151 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Stokes County
In Stokes County, lead originator Allegacy Federal Credit Union funded only 10.2% of 1,047 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 26.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Stokes County's 1,965 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Stokes County's $183,982 average loan (deduped against volume peers).
Lenders active in Stokes County
Allegacy Federal Credit Union funded 107 of the 1,047 loans originated in Stokes County, 10.2% of the county. 151 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Allegacy Federal Credit Union | 107 | 10.2% |
| 2 | State Employees' Credit Union | 89 | 8.5% |
| 3 | Rocket Mortgage | 84 | 8.0% |
| 4 | Atlantic Bay Mortgage Group | 51 | 4.9% |
| 5 | First Ciitizens Bank and Trust | 47 | 4.5% |
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 Stokes 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 Stokes 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.