Allegacy Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Allegacy Federal Credit Union 2010 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 | 1,106 |
| Total Mortgage Loan Application Amount | $160,584,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $1,332,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $1,438,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | 457 | $ 59,920,000 | $ 131,000 | $ 75,000 |
| Davidson County North Carolina | 106 | $ 15,381,000 | $ 145,000 | $ 77,000 |
| Stokes County North Carolina | 79 | $ 8,743,000 | $ 110,000 | $ 60,000 |
| Davie County North Carolina | 52 | $ 7,972,000 | $ 153,000 | $ 81,000 |
| Mecklenburg County North Carolina | 24 | $ 3,745,000 | $ 156,000 | $ 120,000 |
| Yadkin County North Carolina | 23 | $ 2,648,000 | $ 115,000 | $ 77,000 |
| Guilford County North Carolina | 22 | $ 2,713,000 | $ 123,000 | $ 78,000 |
| Surry County North Carolina | 21 | $ 2,441,000 | $ 116,000 | $ 71,000 |
| Morris County New Jersey | 7 | $ 1,537,000 | $ 219,000 | $ 117,000 |
| Wake County North Carolina | 7 | $ 1,050,000 | $ 150,000 | $ 87,000 |
| Rowan County North Carolina | 6 | $ 807,000 | $ 134,000 | $ 71,000 |
| Horry County South Carolina | 6 | $ 1,086,000 | $ 181,000 | $ 163,000 |
| Essex County New Jersey | 5 | $ 1,545,000 | $ 309,000 | $ 68,000 |
| Iredell County North Carolina | 5 | $ 1,771,000 | $ 354,000 | $ 171,000 |
| Sussex County New Jersey | 4 | $ 710,000 | $ 177,000 | $ 214,000 |
| Cabarrus County North Carolina | 4 | $ 1,765,000 | $ 441,000 | $ 70,000 |
| Catawba County North Carolina | 4 | $ 1,194,000 | $ 298,000 | $ 144,000 |
| Randolph County North Carolina | 4 | $ 540,000 | $ 135,000 | $ 91,000 |
| Wilkes County North Carolina | 4 | $ 543,000 | $ 135,000 | $ 48,000 |
| Union County New Jersey | 3 | $ 731,000 | $ 243,000 | $ 52,000 |
| Brunswick County North Carolina | 3 | $ 530,000 | $ 176,000 | $ 58,000 |
| Carteret County North Carolina | 3 | $ 661,000 | $ 220,000 | $ 180,000 |
| Durham County North Carolina | 3 | $ 533,000 | $ 177,000 | $ 70,000 |
| Johnston County North Carolina | 3 | $ 654,000 | $ 218,000 | $ 85,000 |
| Rockingham County North Carolina | 3 | $ 245,000 | $ 81,000 | $ 46,000 |
| Union County North Carolina | 3 | $ 265,000 | $ 88,000 | $ 71,000 |
| York County South Carolina | 3 | $ 719,000 | $ 239,000 | $ 106,000 |
| Carroll County Virginia | 3 | $ 417,000 | $ 139,000 | $ 135,000 |
| Patrick County Virginia | 3 | $ 239,000 | $ 79,000 | $ 69,000 |
| Cobb County Georgia | 2 | $ 304,000 | $ 152,000 | $ 120,000 |
| Cook County Illinois | 2 | $ 480,000 | $ 240,000 | $ 57,000 |
| Bergen County New Jersey | 2 | $ 890,000 | $ 445,000 | $ 310,000 |
| Burlington County New Jersey | 2 | $ 460,000 | $ 230,000 | $ 82,000 |
| Cape May County New Jersey | 2 | $ 460,000 | $ 230,000 | $ 217,000 |
| Nassau County New York | 2 | $ 500,000 | $ 250,000 | $ 159,000 |
| Richmond County New York | 2 | $ 690,000 | $ 345,000 | $ 110,000 |
| Alamance County North Carolina | 2 | $ 266,000 | $ 133,000 | $ 76,000 |
| Montgomery County North Carolina | 2 | $ 327,000 | $ 163,000 | $ 98,000 |
| New Hanover County North Carolina | 2 | $ 443,000 | $ 221,000 | $ 260,000 |
| Luzerne County Pennsylvania | 2 | $ 116,000 | $ 58,000 | $ 156,000 |
| Harris County Texas | 2 | $ 433,000 | $ 216,000 | $ 94,000 |
| Tom Green County Texas | 2 | $ 363,000 | $ 181,000 | $ 163,000 |
| Chesterfield County Virginia | 2 | $ 539,000 | $ 269,000 | $ 134,000 |
| San Joaquin County California | 1 | $ 201,000 | $ 201,000 | $ 88,000 |
| Hartford County Connecticut | 1 | $ 171,000 | $ 171,000 | $ 307,000 |
| District of Columbia County District Of Columbia | 1 | $ 1,332,000 | $ 1,332,000 | $ 394,000 |
| Alachua County Florida | 1 | $ 124,000 | $ 124,000 | $ 139,000 |
| Bay County Florida | 1 | $ 94,000 | $ 94,000 | $ 60,000 |
| Broward County Florida | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
| Citrus County Florida | 1 | $ 62,000 | $ 62,000 | $ 62,000 |
| Nassau County Florida | 1 | $ 270,000 | $ 270,000 | $ 105,000 |
| Palm Beach County Florida | 1 | $ 300,000 | $ 300,000 | $ 194,000 |
| Pinellas County Florida | 1 | $ 229,000 | $ 229,000 | $ 89,000 |
| Sarasota County Florida | 1 | $ 47,000 | $ 47,000 | $ 57,000 |
| Volusia County Florida | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Clayton County Georgia | 1 | $ 110,000 | $ 110,000 | $ 58,000 |
| DeKalb County Georgia | 1 | $ 300,000 | $ 300,000 | $ 116,000 |
| Glynn County Georgia | 1 | $ 417,000 | $ 417,000 | $ 494,000 |
| Gwinnett County Georgia | 1 | $ 222,000 | $ 222,000 | $ 153,000 |
| Kendall County Illinois | 1 | $ 147,000 | $ 147,000 | $ 78,000 |
| Will County Illinois | 1 | $ 350,000 | $ 350,000 | $ 551,000 |
| Ocean County New Jersey | 1 | $ 74,000 | $ 74,000 | $ 48,000 |
| Warren County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 223,000 |
| Chautauqua County New York | 1 | $ 368,000 | $ 368,000 | $ 192,000 |
| Westchester County New York | 1 | $ 250,000 | $ 250,000 | $ 65,000 |
| Alexander County North Carolina | 1 | $ 169,000 | $ 169,000 | $ 146,000 |
| Cumberland County North Carolina | 1 | $ 169,000 | $ 169,000 | $ 66,000 |
| Dare County North Carolina | 1 | $ 102,000 | $ 102,000 | $ 28,000 |
| Edgecombe County North Carolina | 1 | $ 29,000 | $ 29,000 | $ 67,000 |
| Franklin County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Granville County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Lenoir County North Carolina | 1 | $ 78,000 | $ 78,000 | $ 41,000 |
| Orange County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 62,000 |
| Pender County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 171,000 |
| Stanly County North Carolina | 1 | $ 64,000 | $ 64,000 | $ 61,000 |
| Swain County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Vance County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 166,000 |
| Yancey County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 104,000 |
| Adams County Pennsylvania | 1 | $ 260,000 | $ 260,000 | $ 180,000 |
| Carbon County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 211,000 |
| Monroe County Pennsylvania | 1 | $ 183,000 | $ 183,000 | $ 84,000 |
| Northampton County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Berkeley County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 170,000 |
| Cherokee County South Carolina | 1 | $ 44,000 | $ 44,000 | $ 89,000 |
| Greenville County South Carolina | 1 | $ 121,000 | $ 121,000 | $ 140,000 |
| El Paso County Texas | 1 | $ 171,000 | $ 171,000 | $ 56,000 |
| Albemarle County Virginia | 1 | $ 280,000 | $ 280,000 | $ 105,000 |
| Bedford County Virginia | 1 | $ 353,000 | $ 353,000 | $ 238,000 |
| Fluvanna County Virginia | 1 | $ 99,000 | $ 99,000 | $ 60,000 |
| Prince William County Virginia | 1 | $ 260,000 | $ 260,000 | $ 120,000 |
| Roanoke City County Virginia | 1 | $ 192,000 | $ 192,000 | $ 117,000 |
| Marshall County West Virginia | 1 | $ 28,000 | $ 28,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Allegacy Federal Credit Union in 2010
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 | 745 | $107,661,000 | $144,000 | $653,000 | $83,000 | $1,438,000 |
| Home Purchase | 339 | $52,194,000 | $153,000 | $1,332,000 | $78,000 | $550,000 |
| Home Improvement | 22 | $729,000 | $33,000 | $100,000 | $64,000 | $191,000 |
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 | 854 | $125,461,000 | $146,000 | $1,252,000 | $84,000 | $1,438,000 |
| Black or African American | 124 | $16,309,000 | $131,000 | $475,000 | $62,000 | $365,000 |
| Not Provided | 63 | $10,106,000 | $160,000 | $1,332,000 | $101,000 | $394,000 |
| Hispanic | 39 | $4,373,000 | $112,000 | $238,000 | $53,000 | $127,000 |
| Asian | 19 | $3,365,000 | $177,000 | $563,000 | $82,000 | $163,000 |
| American Indian or Alaskan Native | 6 | $671,000 | $111,000 | $227,000 | $60,000 | $90,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $299,000 | $299,000 | $299,000 | $170,000 | $170,000 |
| 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) | 1,021 | $150,459,000 | $147,000 | $1,332,000 | $84,000 | $1,438,000 |
| FHA-insured (Federal Housing Administration) | 74 | $8,717,000 | $117,000 | $270,000 | $45,000 | $163,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,408,000 | $128,000 | $220,000 | $51,000 | $72,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 449 | $64,072,000 | $142,000 | $1,332,000 | $70,000 | $550,000 |
| Loan Originated | 396 | $58,190,000 | $146,000 | $417,000 | $88,000 | $1,438,000 |
| Application Withdrawn By Applicant | 260 | $38,246,000 | $147,000 | $730,000 | $91,000 | $551,000 |
| Preapproval Denied by Financial Institution | 1 | $76,000 | $76,000 | $76,000 | $62,000 | $62,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval 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 | 196 | $24,792,000 | $126,000 | $417,000 | $63,000 | $550,000 |
| Debt-To-Income Ratio | 85 | $13,317,000 | $156,000 | $1,252,000 | $47,000 | $188,000 |
| Collateral | 80 | $12,518,000 | $156,000 | $475,000 | $96,000 | $384,000 |
| Credit Application Incomplete | 54 | $8,116,000 | $150,000 | $417,000 | $81,000 | $190,000 |
| Other | 19 | $2,279,000 | $119,000 | $255,000 | $66,000 | $223,000 |
| Unverifiable Information | 9 | $1,210,000 | $134,000 | $325,000 | $98,000 | $319,000 |
| Employment History | 1 | $77,000 | $77,000 | $77,000 | $41,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,332,000 | $1,332,000 | $1,332,000 | $394,000 | $394,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Allegacy Federal Credit Union's 2010 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.