Vance County
North Carolina · FIPS 37181
According to CFPB HMDA 2024 application volume among U.S. counties, Vance County ranks #1,267 of 3,210, and #69 of 100 in North Carolina.
Mortgage lending activity in Vance 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. Vance County, North Carolina saw 1,205 HMDA-reported mortgage applications in 2024. Lenders originated 534 of those loans and denied 304, producing a denial rate of 25.2% and an approval (origination) rate of 44.3%. The average loan amount was $167,017 at an average note rate of 7.16%, with applicants self-reporting average annual income of $38K. 120 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 Vance County
In Vance County, lead originator State Employees' Credit Union funded 19.3% of 534 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 31.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Vance County's 1,205 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Vance County's $167,017 average loan (deduped against volume peers).
Lenders active in Vance County
State Employees' Credit Union funded 103 of the 534 loans originated in Vance County, 19.3% of the county. 120 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 103 | 19.3% |
| 2 | Rocket Mortgage | 37 | 6.9% |
| 3 | Benchmark Community Bank | 28 | 5.2% |
| 4 | Coastal Federal Credit Union | 23 | 4.3% |
| 5 | Mortgage Research Center | 17 | 3.2% |
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 Vance 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 Vance 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.