Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Johnston County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Johnston County between 2023 and 2025: 26,117 applications, 20,439 loans actually funded, across 8 kinds of borrowing.
Johnston County at a glance
26,117Applications decided
2023–2025
20,439Loans funded
78% of decisions
53Census tracts
14 ZIP codes
226,623People
ACS 2023
What the data shows
The typical purchase mortgage here is $315K.
Investment home improvement is the hardest money to get here: lenders approved 59% of 127 applications.
Lending by loan type in Johnston County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.5% | 14,235 | $315K | 97% | 418 |
| Home improvement loans | 64.7% | 3,292 | $65K | 94% | 100 |
| Cash-out refinance | 69.6% | 3,597 | $205K | 94% | 186 |
| Refinance | 77.3% | 3,273 | $165K | 91% | 200 |
| Investment property purchase | 90.6% | 1,280 | $215K | 96% | 201 |
| Investment cash-out refinance | 68.2% | 157 | $185K | 91% | 57 |
| Investment refinance | 75.6% | 156 | $175K | 83% | 50 |
| Investment home improvement | 59.1% | 127 | $85K | 93% | 31 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.