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2024 data HMDA 2024 disclosure official source

Stokes County

1,965 mortgage applications, 19.0% denial rate. Verify FIPS 37169 with U.S. Census Bureau →

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North Carolina · FIPS 37169

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.

FIPS 37169 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,965
Applications
1,047
Originated
19.0%
Denial Rate
53.3%
Approval Rate
$183,982
Avg Loan Amount
6.81%
Avg Interest Rate
$36K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Stokes 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 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%
Compare Allegacy Federal Credit Union vs State Employees' Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Stokes County?
In the 2024 HMDA reporting year, 1,965 mortgage applications were filed in Stokes County, North Carolina. Of these, 1,047 were originated (approved and funded), while 373 were denied, resulting in a denial rate of 19.0%.
What is the mortgage denial rate in Stokes County?
The mortgage denial rate in Stokes County is 19.0%. The approval (origination) rate is 53.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Stokes County?
The average mortgage loan amount in Stokes County is $183,982. The average interest rate is 6.806%. The average applicant income is $36K.
What is the loan-to-income ratio in Stokes County?
The average loan-to-income ratio in Stokes County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Stokes County?
The top mortgage lenders in Stokes County by origination volume are Allegacy Federal Credit Union, State Employees' Credit Union, Rocket Mortgage. In total, 151 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.