Allegacy Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Allegacy Federal Credit Union 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | 1,143 |
| Total Mortgage Loan Application Amount | $141,516,000 |
| Average Mortgage Loan Application Amount | $188,785 |
| Highest Mortgage Loan Application Amount | $1,472,000 |
| Average Applicant Income | $101,321 |
| Highest Applicant Income | $630,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Allegacy Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Allegacy Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Allegacy Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Allegacy Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Allegacy Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Allegacy Federal Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Forsyth County North Carolina | 566 | $ 62,285,000 | $ 110,000 | $ 63,000 |
| Davidson County North Carolina | 88 | $ 9,025,000 | $ 102,000 | $ 61,000 |
| Stokes County North Carolina | 83 | $ 7,973,000 | $ 96,000 | $ 54,000 |
| Yadkin County North Carolina | 45 | $ 4,241,000 | $ 94,000 | $ 54,000 |
| Davie County North Carolina | 43 | $ 5,155,000 | $ 119,000 | $ 69,000 |
| Surry County North Carolina | 33 | $ 3,333,000 | $ 101,000 | $ 46,000 |
| Morris County New Jersey | 31 | $ 6,023,000 | $ 194,000 | $ 104,000 |
| Guilford County North Carolina | 23 | $ 3,098,000 | $ 134,000 | $ 71,000 |
| Luzerne County Pennsylvania | 11 | $ 1,368,000 | $ 124,000 | $ 81,000 |
| Essex County New Jersey | 10 | $ 1,976,000 | $ 197,000 | $ 106,000 |
| Wake County North Carolina | 8 | $ 1,218,000 | $ 152,000 | $ 80,000 |
| Mecklenburg County North Carolina | 7 | $ 1,044,000 | $ 149,000 | $ 68,000 |
| Bergen County New Jersey | 6 | $ 2,519,000 | $ 419,000 | $ 148,000 |
| Warren County New Jersey | 5 | $ 937,000 | $ 187,000 | $ 103,000 |
| Cabarrus County North Carolina | 5 | $ 812,000 | $ 162,000 | $ 101,000 |
| Randolph County North Carolina | 4 | $ 518,000 | $ 129,000 | $ 76,000 |
| Rowan County North Carolina | 4 | $ 713,000 | $ 178,000 | $ 60,000 |
| Wilkes County North Carolina | 4 | $ 366,000 | $ 91,000 | $ 91,000 |
| Palm Beach County Florida | 3 | $ 516,000 | $ 172,000 | $ 85,000 |
| Fulton County Georgia | 3 | $ 842,000 | $ 280,000 | $ 75,000 |
| Monmouth County New Jersey | 3 | $ 705,000 | $ 235,000 | $ 77,000 |
| Passaic County New Jersey | 3 | $ 487,000 | $ 162,000 | $ 109,000 |
| Sussex County New Jersey | 3 | $ 396,000 | $ 132,000 | $ 123,000 |
| Alleghany County North Carolina | 3 | $ 322,000 | $ 107,000 | $ 117,000 |
| Brunswick County North Carolina | 3 | $ 521,000 | $ 173,000 | $ 117,000 |
| Catawba County North Carolina | 3 | $ 285,000 | $ 95,000 | $ 49,000 |
| Iredell County North Carolina | 3 | $ 434,000 | $ 144,000 | $ 57,000 |
| New Hanover County North Carolina | 3 | $ 322,000 | $ 107,000 | $ 90,000 |
| Rockingham County North Carolina | 3 | $ 258,000 | $ 86,000 | $ 87,000 |
| Horry County South Carolina | 3 | $ 247,000 | $ 82,000 | $ 63,000 |
| Fairfax County Virginia | 3 | $ 882,000 | $ 294,000 | $ 119,000 |
| Duval County Florida | 2 | $ 180,000 | $ 90,000 | $ 41,000 |
| Lee County Florida | 2 | $ 336,000 | $ 168,000 | $ 153,000 |
| Gwinnett County Georgia | 2 | $ 527,000 | $ 263,000 | $ 89,000 |
| Lake County Illinois | 2 | $ 552,000 | $ 276,000 | $ 149,000 |
| Harford County Maryland | 2 | $ 389,000 | $ 194,000 | $ 80,000 |
| Somerset County New Jersey | 2 | $ 530,000 | $ 265,000 | $ 107,000 |
| Union County New Jersey | 2 | $ 285,000 | $ 142,000 | $ 73,000 |
| Nassau County New York | 2 | $ 383,000 | $ 191,000 | $ 98,000 |
| Rockland County New York | 2 | $ 384,000 | $ 192,000 | $ 90,000 |
| Ashe County North Carolina | 2 | $ 232,000 | $ 116,000 | $ 175,000 |
| Buncombe County North Carolina | 2 | $ 204,000 | $ 102,000 | $ 37,000 |
| Bucks County Pennsylvania | 2 | $ 425,000 | $ 212,000 | $ 113,000 |
| Chesterfield County Virginia | 2 | $ 380,000 | $ 190,000 | $ 90,000 |
| Franklin County Virginia | 2 | $ 622,000 | $ 311,000 | $ 313,000 |
| Virginia Beach County Virginia | 2 | $ 127,000 | $ 63,000 | $ 222,000 |
| Madera County California | 1 | $ 128,000 | $ 128,000 | $ 32,000 |
| Hartford County Connecticut | 1 | $ 210,000 | $ 210,000 | $ 94,000 |
| New Haven County Connecticut | 1 | $ 284,000 | $ 284,000 | $ 65,000 |
| Kent County Delaware | 1 | $ 145,000 | $ 145,000 | $ 138,000 |
| Broward County Florida | 1 | $ 122,000 | $ 122,000 | $ 88,000 |
| Hillsborough County Florida | 1 | $ 163,000 | $ 163,000 | $ 114,000 |
| Osceola County Florida | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Santa Rosa County Florida | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Seminole County Florida | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Volusia County Florida | 1 | $ 111,000 | $ 111,000 | $ 83,000 |
| Clayton County Georgia | 1 | $ 136,000 | $ 136,000 | $ 61,000 |
| Cobb County Georgia | 1 | $ 95,000 | $ 95,000 | $ 101,000 |
| DeKalb County Georgia | 1 | $ 125,000 | $ 125,000 | $ 149,000 |
| Fayette County Georgia | 1 | $ 334,000 | $ 334,000 | $ 160,000 |
| Troup County Georgia | 1 | $ 49,000 | $ 49,000 | $ 106,000 |
| DuPage County Illinois | 1 | $ 129,000 | $ 129,000 | $ 58,000 |
| Kane County Illinois | 1 | $ 406,000 | $ 406,000 | $ 180,000 |
| Dearborn County Indiana | 1 | $ 89,000 | $ 89,000 | $ 99,000 |
| Montgomery County Maryland | 1 | $ 435,000 | $ 435,000 | $ 235,000 |
| Burlington County New Jersey | 1 | $ 157,000 | $ 157,000 | $ 82,000 |
| Hunterdon County New Jersey | 1 | $ 122,000 | $ 122,000 | $ 68,000 |
| Middlesex County New Jersey | 1 | $ 250,000 | $ 250,000 | $ 117,000 |
| Ocean County New Jersey | 1 | $ 300,000 | $ 300,000 | $ 179,000 |
| Jefferson County New York | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Onondaga County New York | 1 | $ 162,000 | $ 162,000 | $ 69,000 |
| Orange County New York | 1 | $ 190,000 | $ 190,000 | $ 106,000 |
| Richmond County New York | 1 | $ 110,000 | $ 110,000 | $ 47,000 |
| Westchester County New York | 1 | $ 1,000,000 | $ 1,000,000 | $ 338,000 |
| Alamance County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 57,000 |
| Avery County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Carteret County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 49,000 |
| Durham County North Carolina | 1 | $ 263,000 | $ 263,000 | $ 103,000 |
| Gaston County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Gates County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 18,000 |
| Haywood County North Carolina | 1 | $ 79,000 | $ 79,000 | $ 48,000 |
| Henderson County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 51,000 |
| Orange County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 361,000 |
| Person County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 78,000 |
| Pitt County North Carolina | 1 | $ 78,000 | $ 78,000 | $ 70,000 |
| Stanly County North Carolina | 1 | $ 118,000 | $ 118,000 | $ 45,000 |
| Beaver County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 89,000 |
| Chester County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Cumberland County Pennsylvania | 1 | $ 280,000 | $ 280,000 | $ 87,000 |
| Fayette County Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 310,000 |
| Lackawanna County Pennsylvania | 1 | $ 39,000 | $ 39,000 | $ 40,000 |
| Monroe County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 102,000 |
| Montgomery County Pennsylvania | 1 | $ 252,000 | $ 252,000 | $ 79,000 |
| Northampton County Pennsylvania | 1 | $ 74,000 | $ 74,000 | $ 90,000 |
| Pike County Pennsylvania | 1 | $ 131,000 | $ 131,000 | $ 110,000 |
| Washington County Pennsylvania | 1 | $ 369,000 | $ 369,000 | $ 132,000 |
| Georgetown County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Greenville County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 53,000 |
| Orangeburg County South Carolina | 1 | $ 58,000 | $ 58,000 | $ 44,000 |
| Brazoria County Texas | 1 | $ 232,000 | $ 232,000 | $ 105,000 |
| Denton County Texas | 1 | $ 190,000 | $ 190,000 | $ 126,000 |
| Fort Bend County Texas | 1 | $ 100,000 | $ 100,000 | $ 117,000 |
| Lubbock County Texas | 1 | $ 38,000 | $ 38,000 | $ 76,000 |
| Smith County Texas | 1 | $ 175,000 | $ 175,000 | $ 258,000 |
| Williamson County Texas | 1 | $ 104,000 | $ 104,000 | $ 103,000 |
| Albemarle County Virginia | 1 | $ 323,000 | $ 323,000 | $ 215,000 |
| Arlington County Virginia | 1 | $ 96,000 | $ 96,000 | $ 91,000 |
| Carroll County Virginia | 1 | $ 75,000 | $ 75,000 | $ 118,000 |
| Floyd County Virginia | 1 | $ 72,000 | $ 72,000 | $ 69,000 |
| Hampton County Virginia | 1 | $ 89,000 | $ 89,000 | $ 61,000 |
| Hanover County Virginia | 1 | $ 143,000 | $ 143,000 | $ 79,000 |
| King George County Virginia | 1 | $ 87,000 | $ 87,000 | $ 85,000 |
| Patrick County Virginia | 1 | $ 160,000 | $ 160,000 | $ 83,000 |
| Roanoke City County Virginia | 1 | $ 109,000 | $ 109,000 | $ 30,000 |
| Smyth County Virginia | 1 | $ 63,000 | $ 63,000 | $ 216,000 |
| Suffolk County Virginia | 1 | $ 68,000 | $ 68,000 | $ 71,000 |
| Winchester County Virginia | 1 | $ 323,000 | $ 323,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for Allegacy Federal Credit Union in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 976 | $111,833,000 | $149,785 | $1,143,000 | $90,428 | $522,000 |
| Home Purchase (one-to-four family) | 166 | $29,600,000 | $238,923 | $1,472,000 | $114,846 | $630,000 |
| Home Improvement (one-to-four family) | 1 | $83,000 | $83,000 | $83,000 | $78,000 | $78,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 1,006 | $124,137,000 | $178,533 | $1,472,000 | $97,066 | $630,000 |
| Black | 91 | $11,500,000 | $165,142 | $455,000 | $95,142 | $361,000 |
| Information not provided by applicant in mail or telephone application | 13 | $1,797,000 | $162,750 | $304,000 | $90,500 | $133,000 |
| Asian or Pacific Islander | 12 | $1,580,000 | $155,666 | $290,000 | $106,666 | $240,000 |
| Hispanic | 10 | $1,211,000 | $121,000 | $392,000 | $47,000 | $140,000 |
| Other | 10 | $1,196,000 | $174,500 | $244,000 | $61,000 | $94,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $125,000 | $125,000 |
| Not applicable | 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) | 1,143 | $141,516,000 | $176,875 | $1,472,000 | $99,250 | $630,000 |
| 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 |
| VA-guaranteed (Veterans Administration) | 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 | 915 | $109,038,000 | $165,000 | $1,472,000 | $94,200 | $630,000 |
| Application Denied By Financial Institution | 154 | $20,707,000 | $219,000 | $1,000,000 | $100,333 | $338,000 |
| Application Withdrawn By Applicant | 74 | $11,771,000 | $188,250 | $550,000 | $123,500 | $411,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 58 | $6,803,000 | $173,625 | $334,000 | $86,375 | $160,000 |
| Collateral | 28 | $3,950,000 | $142,500 | $418,000 | $99,000 | $138,000 |
| Debt-To-Income Ratio | 23 | $3,477,000 | $224,333 | $620,000 | $58,000 | $149,000 |
| Other | 16 | $1,577,000 | $77,500 | $221,000 | $74,000 | $300,000 |
| Unverifiable Information | 9 | $1,518,000 | $190,333 | $322,000 | $112,333 | $179,000 |
| Credit Application Incomplete | 7 | $1,022,000 | $193,333 | $322,000 | $53,666 | $157,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $574,000 | $104,000 | $157,000 | $61,000 | $85,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Allegacy Federal Credit Union's 2003 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.