Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Craven County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Craven County, home to New Bern, between 2023 and 2025: 9,869 applications, 7,427 loans actually funded, across 8 kinds of borrowing.
Craven County at a glance
9,869Applications decided
2023–2025
7,427Loans funded
75% of decisions
26Census tracts
5 ZIP codes
101,074People
ACS 2023
What the data shows
The typical purchase mortgage here is $255K.
Investment home improvement is the hardest money to get here: lenders approved 44% of 101 applications.
Lending by loan type in Craven County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 85.7% | 5,243 | $255K | 97% | 269 |
| Home improvement loans | 65.0% | 1,078 | $55K | 95% | 59 |
| Cash-out refinance | 66.9% | 1,509 | $175K | 97% | 115 |
| Refinance | 77.2% | 1,257 | $275K | 91% | 113 |
| Investment property purchase | 85.9% | 489 | $175K | 97% | 110 |
| Investment cash-out refinance | 60.7% | 117 | $135K | 92% | 47 |
| Investment refinance | 73.3% | 75 | $125K | 98% | 33 |
| Investment home improvement | 43.6% | 101 | $55K | 89% | 20 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.