Greenville Mortgage Lending in 2025

Explore mortgage lending activity in Greenville (MSA/MD Code 24780) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 24780
2,361 Loans Originated
• Primary State: North Carolina (NC)
• $658.32 Million Originated Volume
• $255,000 Median Loan
Actionable Applications 3,238 +14.05% vs 2024
Approval Rate 77.05% +1.53 pp vs 2024
Denial Rate 22.95% -1.53 pp vs 2024
Loan Originations 2,361 +15.40% vs 2024
Originated Volume $658.32 Million +22.36% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 3,238 actionable applications (Actions 1, 2, and 3).

77.05%
22.95%
2,495 approved 743 denied
Action 1: Originated
2,361 (72.92%)
Action 2: Approved not accepted
134 (4.14%)
Action 3: Denied
743 (22.95%)
Action 4: Withdrawn (not in denominator)
567 —
Action 5: Incomplete (not in denominator)
452 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Greenville Compares

Metro vs. State Baseline (2025)

Metric Greenville North Carolina
Actionable Apps 3,238 222,012
Approval Rate 77.05% 82.32%
Denial Rate 22.95% 17.68%
Originations 2,361 174,135
Originated Volume $658.32 Million $61.35 Billion
Median Loan $255,000 $305,000
Compared against North Carolina statewide baseline in 2025.

Lending Trends in Greenville

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 3,706 4,257 +14.87%
Actionable Apps 2,839 3,238 +14.05%
Originations 2,046 2,361 +15.40%
Approval Rate 75.52% 77.05% +1.53 pp
Denial Rate 24.48% 22.95% -1.53 pp
Median Loan $245,000 $255,000 +4.08%
Dollar Volume $538.03 Million $658.32 Million +22.36%

Applications by Borrower Income (Greenville)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 644 84.78% 15.22%
$150k+ 532 91.35% 8.65%
$50k–$99,999 1,349 75.91% 24.09%
<$50k 501 50.70% 49.30%
Income unavailable/entity 212 87.26% 12.74%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within North Carolina (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 24780, anchored in North Carolina (NC).
Metro Share of State Apps 1.46%
Metro Share of State Volume 1.07%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore North Carolina statewide mortgage activity

Greenville is part of OpenFileData’s statewide coverage of North Carolina. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

North Carolina Statewide Overview Active Profile
Statewide Actionable Applications: 222,012
Explore North Carolina State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

North Carolina Profile

Compare all metropolitan areas located in North Carolina.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.