Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Randolph County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Randolph County between 2023 and 2025: 11,190 applications, 8,006 loans actually funded, across 8 kinds of borrowing.
Randolph County at a glance
11,190Applications decided
2023–2025
8,006Loans funded
72% of decisions
34Census tracts
13 ZIP codes
145,322People
ACS 2023
What the data shows
Lenders approved 82.1% of home-purchase applications in Randolph County, 5.5 points below the North Carolina rate.
The typical purchase mortgage here is $215K.
Lending by loan type in Randolph County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 82.1% | 5,505 | $215K | 96% | 278 |
| Home improvement loans | 59.8% | 1,700 | $55K | 96% | 74 |
| Cash-out refinance | 68.4% | 1,888 | $155K | 94% | 130 |
| Refinance | 74.6% | 1,551 | $105K | 94% | 124 |
| Investment property purchase | 82.7% | 329 | $165K | 94% | 86 |
| Investment cash-out refinance | 64.7% | 85 | $135K | 96% | 43 |
| Investment refinance | 71.4% | 49 | $145K | 91% | 28 |
| Investment home improvement | 50.6% | 83 | $55K | 88% | 26 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.