Swain County
North Carolina · FIPS 37173
According to CFPB HMDA 2024 application volume among U.S. counties, Swain County ranks #1,979 of 3,210, and #88 of 100 in North Carolina.
Mortgage lending activity in Swain 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. Swain County, North Carolina saw 522 HMDA-reported mortgage applications in 2024. Lenders originated 263 of those loans and denied 118, producing a denial rate of 22.6% and an approval (origination) rate of 50.4%. The average loan amount was $256,015 at an average note rate of 7.09%, with applicants self-reporting average annual income of $37K. 81 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.9x, meaning typical borrowers took on mortgages of about 6.9 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 Swain County
In Swain County, lead originator State Employees' Credit Union funded 16.7% of 263 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 36.1% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Swain County's 522 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Swain County's $256,015 average loan (deduped against volume peers).
Lenders active in Swain County
State Employees' Credit Union funded 44 of the 263 loans originated in Swain County, 16.7% of the county. 81 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 44 | 16.7% |
| 2 | United Community Bank | 27 | 10.3% |
| 3 | Rocket Mortgage | 24 | 9.1% |
| 4 | United Wholesale Mortgage | 12 | 4.6% |
| 5 | Movement Mortgage, LLC | 10 | 3.8% |
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 Swain 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 Swain 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.