Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Cumberland County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Cumberland County, home to Fayetteville, between 2023 and 2025: 30,934 applications, 22,416 loans actually funded, across 8 kinds of borrowing.
Cumberland County at a glance
30,934Applications decided
2023–2025
22,416Loans funded
72% of decisions
81Census tracts
16 ZIP codes
336,749People
ACS 2023
What the data shows
The typical purchase mortgage here is $245K.
Investment home improvement is the hardest money to get here: lenders approved 43% of 376 applications.
Lending by loan type in Cumberland County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.4% | 14,949 | $245K | 96% | 372 |
| Home improvement loans | 51.1% | 2,176 | $55K | 93% | 83 |
| Cash-out refinance | 62.6% | 5,651 | $175K | 92% | 178 |
| Refinance | 81.3% | 4,473 | $265K | 86% | 178 |
| Investment property purchase | 85.0% | 1,913 | $145K | 95% | 205 |
| Investment cash-out refinance | 67.1% | 799 | $135K | 92% | 132 |
| Investment refinance | 75.0% | 597 | $135K | 90% | 109 |
| Investment home improvement | 42.5% | 376 | $55K | 90% | 44 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.