Yadkin County
North Carolina · FIPS 37197
According to CFPB HMDA 2024 application volume among U.S. counties, Yadkin County ranks #1,245 of 3,210, and #68 of 100 in North Carolina.
Mortgage lending activity in Yadkin 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. Yadkin County, North Carolina saw 1,246 HMDA-reported mortgage applications in 2024. Lenders originated 677 of those loans and denied 250, producing a denial rate of 20.1% and an approval (origination) rate of 54.3%. The average loan amount was $171,340 at an average note rate of 6.96%, with applicants self-reporting average annual income of $37K. 120 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 Yadkin County
In Yadkin County, lead originator State Employees' Credit Union funded 17.3% of 677 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 30.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Yadkin County's 1,246 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Yadkin County's $171,340 average loan (deduped against volume peers).
Lenders active in Yadkin County
State Employees' Credit Union funded 117 of the 677 loans originated in Yadkin County, 17.3% of the county. 120 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | State Employees' Credit Union | 117 | 17.3% |
| 2 | Allegacy Federal Credit Union | 53 | 7.8% |
| 3 | Rocket Mortgage | 36 | 5.3% |
| 4 | Fairway Independent Mort CORP | 33 | 4.9% |
| 5 | Truist Bank | 33 | 4.9% |
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 Yadkin 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 Yadkin 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.