Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Wayne County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Wayne County, home to Goldsboro, between 2023 and 2025: 9,339 applications, 6,619 loans actually funded, across 8 kinds of borrowing.
Wayne County at a glance
9,339Applications decided
2023–2025
6,619Loans funded
71% of decisions
30Census tracts
10 ZIP codes
117,606People
ACS 2023
What the data shows
Lenders approved 81.4% of home-purchase applications in Wayne County, 6.2 points below the North Carolina rate.
The typical purchase mortgage here is $235K.
Lending by loan type in Wayne County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 81.4% | 5,157 | $235K | 96% | 250 |
| Home improvement loans | 54.7% | 934 | $55K | 95% | 65 |
| Cash-out refinance | 63.8% | 1,308 | $165K | 93% | 109 |
| Refinance | 75.0% | 1,231 | $205K | 91% | 104 |
| Investment property purchase | 81.7% | 376 | $135K | 94% | 89 |
| Investment cash-out refinance | 71.0% | 131 | $135K | 91% | 54 |
| Investment refinance | 69.5% | 105 | $115K | 90% | 36 |
| Investment home improvement | 36.1% | 97 | $55K | 91% | 23 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.