Allegacy Federal Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Allegacy Federal Credit Union of Winston Salem, NC reported 2,744 mortgage applications totaling $444.3 million, down 1% from 2024. The average application was for $161,909, and applicants reported an average income of $150,836. 62% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Winston-Salem, NC (1,549), Charlotte-Concord-Gastonia, NC-SC (395) and Greensboro-High Point, NC (256) (applications in parentheses).

Mortgage Company & Address Allegacy Federal Credit Union
P O Box 26043
Winston Salem, NC 27114
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,744
Total Mortgage Loan Application Amount $444,280,000
Average Mortgage Loan Application Amount $161,909
Highest Mortgage Loan Application Amount $10,215,000
Average Applicant Income $150,836
Highest Applicant Income $3,920,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Allegacy Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Allegacy Federal Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Forsyth, North Carolina 975 $ 138,205,000 $ 141,748 $ 124,000
Guilford, North Carolina 220 $ 35,550,000 $ 161,590 $ 152,000
Mecklenburg, North Carolina 192 $ 47,370,000 $ 246,718 $ 231,000
Stokes, North Carolina 184 $ 18,940,000 $ 102,934 $ 95,000
Davidson, North Carolina 158 $ 20,880,000 $ 132,151 $ 109,000
Davie, North Carolina 155 $ 20,915,000 $ 134,935 $ 129,000
Surry, North Carolina 122 $ 15,660,000 $ 128,360 $ 120,000
Yadkin, North Carolina 77 $ 7,895,000 $ 102,532 $ 97,000
Union, North Carolina 52 $ 11,140,000 $ 214,230 $ 237,000
Wake, North Carolina 40 $ 9,160,000 $ 229,000 $ 243,000
Iredell, North Carolina 37 $ 6,425,000 $ 173,648 $ 193,000
Cabarrus, North Carolina 33 $ 7,905,000 $ 239,545 $ 214,000
York, South Carolina 23 $ 4,395,000 $ 191,086 $ 247,000
Brunswick, North Carolina 22 $ 4,810,000 $ 218,636 $ 163,000
Rowan, North Carolina 21 $ 4,875,000 $ 232,142 $ 167,000
Gaston, North Carolina 18 $ 4,200,000 $ 233,333 $ 370,000
Randolph, North Carolina 18 $ 2,010,000 $ 111,666 $ 110,000
Rockingham, North Carolina 18 $ 1,860,000 $ 103,333 $ 94,000
Catawba, North Carolina 15 $ 2,185,000 $ 145,666 $ 152,000
Fulton, Georgia 12 $ 2,180,000 $ 181,666 $ 240,000
New Hanover, North Carolina 12 $ 1,930,000 $ 160,833 $ 212,000
Cobb, Georgia 11 $ 1,955,000 $ 177,727 $ 301,000
Wilkes, North Carolina 11 $ 2,275,000 $ 206,818 $ 487,000
Carroll, Virginia 11 $ 1,005,000 $ 91,363 $ 82,000
Alamance, North Carolina 9 $ 1,305,000 $ 145,000 $ 231,000
Durham, North Carolina 9 $ 2,145,000 $ 238,333 $ 243,000
Lincoln, North Carolina 9 $ 3,245,000 $ 360,555 $ 220,000
Lancaster, South Carolina 8 $ 2,060,000 $ 257,500 $ 202,000
Horry, South Carolina 7 $ 1,425,000 $ 203,571 $ 143,000
Forsyth, Georgia 6 $ 1,060,000 $ 176,666 $ 304,000
Gwinnett, Georgia 6 $ 650,000 $ 108,333 $ 157,000
Jackson, Georgia 6 $ 990,000 $ 165,000 $ 295,000
Fairfax, Virginia 6 $ 1,270,000 $ 211,666 $ 289,000
Cherokee, Georgia 5 $ 1,025,000 $ 205,000 $ 188,000
Morris, New Jersey 5 $ 1,355,000 $ 271,000 $ 189,000
Ashe, North Carolina 5 $ 595,000 $ 119,000 $ 238,000
Caldwell, North Carolina 5 $ 365,000 $ 73,000 $ 69,000
Johnston, North Carolina 5 $ 11,065,000 $ 2,213,000 $ 159,000
Moore, North Carolina 5 $ 1,115,000 $ 223,000 $ 158,000
Stanly, North Carolina 5 $ 445,000 $ 89,000 $ 72,000
Berkeley, South Carolina 5 $ 1,005,000 $ 201,000 $ 193,000
Charleston, South Carolina 5 $ 1,455,000 $ 291,000 $ 454,000
Palm Beach, Florida 4 $ 1,740,000 $ 435,000 $ 373,000
Hudson, New Jersey 4 $ 1,130,000 $ 282,500 $ 100,000
Burke, North Carolina 4 $ 380,000 $ 95,000 $ 122,000
Chatham, North Carolina 4 $ 1,480,000 $ 370,000 $ 134,000
Orange, California 3 $ 915,000 $ 305,000 $ 237,000
Riverside, California 3 $ 1,615,000 $ 538,333 $ 326,000
Miami-Dade, Florida 3 $ 545,000 $ 181,666 $ 352,000
St. Johns, Florida 3 $ 1,295,000 $ 431,666 $ 232,000
Columbia, Georgia 3 $ 645,000 $ 215,000 $ 1,115,000
Spalding, Georgia 3 $ 1,195,000 $ 398,333 $ 122,000
Sussex, New Jersey 3 $ 1,415,000 $ 471,666 $ 177,000
Union, New Jersey 3 $ 1,265,000 $ 421,666 $ 219,000
Alexander, North Carolina 3 $ 285,000 $ 95,000 $ 175,000
Caswell, North Carolina 3 $ 285,000 $ 95,000 $ 117,000
Cleveland, North Carolina 3 $ 515,000 $ 171,666 $ 93,000
Henderson, North Carolina 3 $ 795,000 $ 265,000 $ 72,000
Orange, North Carolina 3 $ 405,000 $ 135,000 $ 89,000
Transylvania, North Carolina 3 $ 465,000 $ 155,000 $ 102,000
Philadelphia, Pennsylvania 3 $ 115,000 $ 38,333 $ 82,000
Spartanburg, South Carolina 3 $ 475,000 $ 158,333 $ 118,000
Chesterfield, Virginia 3 $ 405,000 $ 135,000 $ 257,000
Broward, Florida 2 $ 270,000 $ 135,000 $ 393,000
Marion, Florida 2 $ 100,000 $ 50,000 $ 159,000
Orange, Florida 2 $ 190,000 $ 95,000 $ 86,000
Chatham, Georgia 2 $ 410,000 $ 205,000 $ 104,000
DeKalb, Georgia 2 $ 460,000 $ 230,000 $ 460,000
Paulding, Georgia 2 $ 90,000 $ 45,000 $ 89,000
Tift, Georgia 2 $ 400,000 $ 200,000 $ 137,000
Cook, Illinois 2 $ 170,000 $ 85,000 $ 1,220,000
Delaware, Indiana 2 $ 70,000 $ 35,000 $ 174,000
Montgomery, Maryland 2 $ 890,000 $ 445,000 $ 334,000
Bergen, New Jersey 2 $ 310,000 $ 155,000 $ 236,000
Hunterdon, New Jersey 2 $ 770,000 $ 385,000 $ 317,000
Anson, North Carolina 2 $ 90,000 $ 45,000 $ 178,000
Carteret, North Carolina 2 $ 500,000 $ 250,000 $ 69,000
Craven, North Carolina 2 $ 150,000 $ 75,000 $ 107,000
Wilson, North Carolina 2 $ 20,000 $ 10,000 $ 60,000
Cumberland, Pennsylvania 2 $ 870,000 $ 435,000 $ 176,000
Dauphin, Pennsylvania 2 $ 300,000 $ 150,000 $ 205,000
Northampton, Pennsylvania 2 $ 230,000 $ 115,000 $ 116,000
York, Pennsylvania 2 $ 110,000 $ 55,000 $ 121,000
Henry, Virginia 2 $ 150,000 $ 75,000 $ 73,000
Patrick, Virginia 2 $ 160,000 $ 80,000 $ 126,000
Pittsylvania, Virginia 2 $ 80,000 $ 40,000 $ 36,000
Winnebago, Wisconsin 2 $ 820,000 $ 410,000 $ 290,000
DeKalb, Alabama 1 $ 205,000 $ 205,000 $ 50,000
Van Buren, Arkansas 1 $ 205,000 $ 205,000 $ 129,000
Naugatuck Valley Planning Region, Connecticut 1 $ 45,000 $ 45,000 $ 103,000
Kent, Delaware 1 $ 65,000 $ 65,000 $ 43,000
New Castle, Delaware 1 $ 355,000 $ 355,000 $ 208,000
District of Columbia, District Of Columbia 1 $ 165,000 $ 165,000 $ 939,000
Clay, Florida 1 $ 55,000 $ 55,000 $ 161,000
Collier, Florida 1 $ 55,000 $ 55,000 $ 0
Flagler, Florida 1 $ 775,000 $ 775,000 $ 425,000
Hillsborough, Florida 1 $ 505,000 $ 505,000 $ 219,000
Manatee, Florida 1 $ 125,000 $ 125,000 $ 150,000
Sarasota, Florida 1 $ 35,000 $ 35,000 $ 58,000
Seminole, Florida 1 $ 135,000 $ 135,000 $ 400,000
Sumter, Florida 1 $ 455,000 $ 455,000 $ 102,000
Banks, Georgia 1 $ 45,000 $ 45,000 $ 118,000
Barrow, Georgia 1 $ 135,000 $ 135,000 $ 138,000
Dawson, Georgia 1 $ 25,000 $ 25,000 $ 205,000
Douglas, Georgia 1 $ 45,000 $ 45,000 $ 114,000
Fayette, Georgia 1 $ 205,000 $ 205,000 $ 196,000
Glynn, Georgia 1 $ 25,000 $ 25,000 $ 129,000
Hall, Georgia 1 $ 105,000 $ 105,000 $ 36,000
Hart, Georgia 1 $ 65,000 $ 65,000 $ 75,000
Houston, Georgia 1 $ 55,000 $ 55,000 $ 48,000
Newton, Georgia 1 $ 65,000 $ 65,000 $ 113,000
Peach, Georgia 1 $ 65,000 $ 65,000 $ 91,000
Warren, Georgia 1 $ 55,000 $ 55,000 $ 110,000
Jo Daviess, Illinois 1 $ 65,000 $ 65,000 $ 90,000
Allen, Indiana 1 $ 55,000 $ 55,000 $ 99,000
Boone, Indiana 1 $ 75,000 $ 75,000 $ 74,000
Porter, Indiana 1 $ 55,000 $ 55,000 $ 92,000
Prince George's, Maryland 1 $ 105,000 $ 105,000 $ 184,000
Wayne, Michigan 1 $ 235,000 $ 235,000 $ 99,000
Middlesex, New Jersey 1 $ 525,000 $ 525,000 $ 510,000
Suffolk, New York 1 $ 155,000 $ 155,000 $ 180,000
Alleghany, North Carolina 1 $ 105,000 $ 105,000 $ 129,000
Buncombe, North Carolina 1 $ 45,000 $ 45,000 $ 280,000
Cherokee, North Carolina 1 $ 35,000 $ 35,000 $ 80,000
Harnett, North Carolina 1 $ 115,000 $ 115,000 $ 76,000
Lee, North Carolina 1 $ 95,000 $ 95,000 $ 198,000
Macon, North Carolina 1 $ 115,000 $ 115,000 $ 80,000
Montgomery, North Carolina 1 $ 65,000 $ 65,000 $ 86,000
Nash, North Carolina 1 $ 325,000 $ 325,000 $ 94,000
Onslow, North Carolina 1 $ 255,000 $ 255,000 $ 72,000
Pamlico, North Carolina 1 $ 125,000 $ 125,000 $ 57,000
Robeson, North Carolina 1 $ 55,000 $ 55,000 $ 70,000
Sampson, North Carolina 1 $ 75,000 $ 75,000 $ 27,000
Vance, North Carolina 1 $ 55,000 $ 55,000 $ 108,000
Watauga, North Carolina 1 $ 115,000 $ 115,000 $ 167,000
Lake, Ohio 1 $ 125,000 $ 125,000 $ 91,000
Allegheny, Pennsylvania 1 $ 195,000 $ 195,000 $ 166,000
Bucks, Pennsylvania 1 $ 105,000 $ 105,000 $ 122,000
Indiana, Pennsylvania 1 $ 35,000 $ 35,000 $ 262,000
Mifflin, Pennsylvania 1 $ 45,000 $ 45,000 $ 224,000
Monroe, Pennsylvania 1 $ 105,000 $ 105,000 $ 105,000
Montgomery, Pennsylvania 1 $ 45,000 $ 45,000 $ 201,000
Tioga, Pennsylvania 1 $ 105,000 $ 105,000 $ 158,000
Aiken, South Carolina 1 $ 105,000 $ 105,000 $ 107,000
Dorchester, South Carolina 1 $ 405,000 $ 405,000 $ 130,000
Fairfield, South Carolina 1 $ 105,000 $ 105,000 $ 1,068,000
Greenville, South Carolina 1 $ 245,000 $ 245,000 $ 81,000
Kershaw, South Carolina 1 $ 55,000 $ 55,000 $ 114,000
Sumter, South Carolina 1 $ 65,000 $ 65,000 $ 168,000
Cocke, Tennessee 1 $ 545,000 $ 545,000 $ 163,000
Alexandria, Virginia 1 $ 355,000 $ 355,000 $ 212,000
Amherst, Virginia 1 $ 45,000 $ 45,000 $ 76,000
Appomattox, Virginia 1 $ 295,000 $ 295,000 $ 369,000
Arlington, Virginia 1 $ 75,000 $ 75,000 $ 151,000
Botetourt, Virginia 1 $ 105,000 $ 105,000 $ 170,000
Fluvanna, Virginia 1 $ 255,000 $ 255,000 $ 226,000
Franklin, Virginia 1 $ 105,000 $ 105,000 $ 416,000
Greene, Virginia 1 $ 115,000 $ 115,000 $ 137,000
Loudoun, Virginia 1 $ 75,000 $ 75,000 $ 252,000
Prince William, Virginia 1 $ 255,000 $ 255,000 $ 275,000
Richmond City, Virginia 1 $ 105,000 $ 105,000 $ 142,000
Roanoke, Virginia 1 $ 155,000 $ 155,000 $ 145,000
Scott, Virginia 1 $ 35,000 $ 35,000 $ 47,000
Spotsylvania, Virginia 1 $ 105,000 $ 105,000 $ 311,000
Klickitat, Washington 1 $ 455,000 $ 455,000 $ 250,000
Nicholas, West Virginia 1 $ 25,000 $ 25,000 $ 54,000

Mortgage Loan Application Detail Totals for Allegacy Federal Credit Union in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Improvement 812 $86,430,000 $106,000 $505,000 $144,000 $2,456,000
Refinancing 791 $151,495,000 $191,000 $10,215,000 $153,000 $1,860,000
Other Purpose 688 $71,150,000 $103,000 $555,000 $144,000 $3,856,000
Home Purchase 354 $108,040,000 $305,000 $1,205,000 $178,000 $3,920,000
Cash-out Refinancing 99 $27,165,000 $274,000 $1,155,000 $140,000 $514,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,639 $253,725,000 $154,000 $1,025,000 $147,000 $3,920,000
Not Provided 597 $97,425,000 $163,000 $755,000 $181,000 $2,456,000
Black or African American 289 $33,975,000 $117,000 $705,000 $108,000 $933,000
Hispanic 138 $22,720,000 $164,000 $805,000 $160,000 $3,856,000
Asian 48 $9,080,000 $189,000 $505,000 $178,000 $745,000
Not applicable 20 $25,230,000 $1,261,000 $10,215,000 $0 $0
American Indian or Alaskan Native 13 $2,125,000 $163,000 $415,000 $108,000 $296,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2,735 $440,855,000 $161,000 $10,215,000 $151,000 $3,920,000
VA-guaranteed (Veterans Administration) 9 $3,425,000 $380,000 $545,000 $124,000 $183,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,706 $289,140,000 $169,000 $10,215,000 $154,000 $2,456,000
Application Withdrawn By Applicant 461 $80,475,000 $174,000 $935,000 $166,000 $3,856,000
Application Denied By Financial Institution 391 $49,775,000 $127,000 $725,000 $117,000 $3,920,000
File Closed For Incompleteness 152 $18,950,000 $124,000 $505,000 $158,000 $2,275,000
Application Approved But Not Accepted 32 $4,700,000 $146,000 $525,000 $155,000 $933,000
Preapproval Approved but not Accepted 2 $1,240,000 $620,000 $1,025,000 $243,000 $424,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 2,353 $394,505,000 $167,000 $10,215,000 $157,000 $3,856,000
Debt-To-Income Ratio 188 $24,310,000 $129,000 $655,000 $84,000 $378,000
Credit History 89 $8,455,000 $95,000 $725,000 $135,000 $3,920,000
Other 65 $10,905,000 $167,000 $505,000 $184,000 $847,000
Collateral 31 $3,055,000 $98,000 $545,000 $110,000 $359,000
Unverifiable Information 17 $3,025,000 $177,000 $585,000 $146,000 $750,000
Employment History 1 $25,000 $25,000 $25,000 $61,000 $61,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Allegacy Federal Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Allegacy Federal Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Carolina, download the full spreadsheet with aggregated HMDA statistics today.

Download the North Carolina Lender List