Allegacy Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Allegacy Federal Credit Union 2014 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 | 688 |
| Total Mortgage Loan Application Amount | $97,045,000 |
| Average Mortgage Loan Application Amount | $142,333 |
| Highest Mortgage Loan Application Amount | $1,280,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $2,955,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 299 | $ 34,384,000 | $ 114,000 | $ 81,000 |
| Davidson County North Carolina | 66 | $ 7,287,000 | $ 110,000 | $ 76,000 |
| Davie County North Carolina | 61 | $ 7,989,000 | $ 130,000 | $ 82,000 |
| Stokes County North Carolina | 43 | $ 4,707,000 | $ 109,000 | $ 63,000 |
| Guilford County North Carolina | 36 | $ 3,940,000 | $ 109,000 | $ 69,000 |
| Mecklenburg County North Carolina | 23 | $ 5,828,000 | $ 253,000 | $ 129,000 |
| Yadkin County North Carolina | 22 | $ 2,369,000 | $ 107,000 | $ 68,000 |
| Surry County North Carolina | 17 | $ 2,559,000 | $ 150,000 | $ 89,000 |
| Wake County North Carolina | 9 | $ 4,197,000 | $ 466,000 | $ 309,000 |
| Morris County New Jersey | 6 | $ 1,880,000 | $ 313,000 | $ 211,000 |
| Catawba County North Carolina | 6 | $ 1,973,000 | $ 328,000 | $ 161,000 |
| Iredell County North Carolina | 6 | $ 1,968,000 | $ 328,000 | $ 110,000 |
| York County South Carolina | 6 | $ 1,260,000 | $ 210,000 | $ 111,000 |
| Rockingham County North Carolina | 5 | $ 296,000 | $ 59,000 | $ 46,000 |
| Rowan County North Carolina | 5 | $ 551,000 | $ 110,000 | $ 69,000 |
| Chatham County North Carolina | 3 | $ 566,000 | $ 188,000 | $ 111,000 |
| Montgomery County North Carolina | 3 | $ 1,955,000 | $ 651,000 | $ 1,042,000 |
| Horry County South Carolina | 3 | $ 191,000 | $ 63,000 | $ 50,000 |
| Los Angeles County California | 2 | $ 190,000 | $ 95,000 | $ 77,000 |
| Fulton County Georgia | 2 | $ 265,000 | $ 132,000 | $ 103,000 |
| Montgomery County Maryland | 2 | $ 111,000 | $ 55,000 | $ 216,000 |
| Gaston County North Carolina | 2 | $ 288,000 | $ 144,000 | $ 90,000 |
| Johnston County North Carolina | 2 | $ 263,000 | $ 131,000 | $ 58,000 |
| Randolph County North Carolina | 2 | $ 258,000 | $ 129,000 | $ 68,000 |
| Union County North Carolina | 2 | $ 685,000 | $ 342,000 | $ 110,000 |
| Wilkes County North Carolina | 2 | $ 285,000 | $ 142,000 | $ 74,000 |
| Charleston County South Carolina | 2 | $ 530,000 | $ 265,000 | $ 69,000 |
| District of Columbia County District Of Columbia | 1 | $ 567,000 | $ 567,000 | $ 379,000 |
| Alachua County Florida | 1 | $ 230,000 | $ 230,000 | $ 140,000 |
| Pinellas County Florida | 1 | $ 218,000 | $ 218,000 | $ 150,000 |
| Polk County Florida | 1 | $ 170,000 | $ 170,000 | $ 110,000 |
| Sumter County Florida | 1 | $ 220,000 | $ 220,000 | $ 130,000 |
| Cherokee County Georgia | 1 | $ 130,000 | $ 130,000 | $ 65,000 |
| Cobb County Georgia | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| DeKalb County Georgia | 1 | $ 381,000 | $ 381,000 | $ 266,000 |
| Gwinnett County Georgia | 1 | $ 200,000 | $ 200,000 | $ 160,000 |
| Monroe County Georgia | 1 | $ 244,000 | $ 244,000 | $ 182,000 |
| DuPage County Illinois | 1 | $ 266,000 | $ 266,000 | $ 230,000 |
| Lake County Illinois | 1 | $ 290,000 | $ 290,000 | $ 134,000 |
| Anne Arundel County Maryland | 1 | $ 56,000 | $ 56,000 | $ 140,000 |
| Bergen County New Jersey | 1 | $ 300,000 | $ 300,000 | $ 122,000 |
| Middlesex County New Jersey | 1 | $ 58,000 | $ 58,000 | $ 87,000 |
| Passaic County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 118,000 |
| Somerset County New Jersey | 1 | $ 197,000 | $ 197,000 | $ 111,000 |
| Sussex County New Jersey | 1 | $ 194,000 | $ 194,000 | $ 101,000 |
| Union County New Jersey | 1 | $ 374,000 | $ 374,000 | $ 112,000 |
| Erie County New York | 1 | $ 348,000 | $ 348,000 | $ 185,000 |
| Queens County New York | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Brunswick County North Carolina | 1 | $ 558,000 | $ 558,000 | $ 289,000 |
| Buncombe County North Carolina | 1 | $ 318,000 | $ 318,000 | $ 145,000 |
| Burke County North Carolina | 1 | $ 71,000 | $ 71,000 | $ 78,000 |
| Caldwell County North Carolina | 1 | $ 229,000 | $ 229,000 | $ 100,000 |
| Carteret County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 78,000 |
| Harnett County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Onslow County North Carolina | 1 | $ 213,000 | $ 213,000 | $ 89,000 |
| Person County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 69,000 |
| Stanly County North Carolina | 1 | $ 47,000 | $ 47,000 | $ 89,000 |
| Watauga County North Carolina | 1 | $ 662,000 | $ 662,000 | $ 599,000 |
| Wayne County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 287,000 |
| Luzerne County Pennsylvania | 1 | $ 82,000 | $ 82,000 | $ 111,000 |
| Wayne County Pennsylvania | 1 | $ 222,000 | $ 222,000 | $ 172,000 |
| Beaufort County South Carolina | 1 | $ 288,000 | $ 288,000 | $ 98,000 |
| Fairfield County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 182,000 |
| Georgetown County South Carolina | 1 | $ 172,000 | $ 172,000 | $ 85,000 |
| Lancaster County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 175,000 |
| McLennan County Texas | 1 | $ 50,000 | $ 50,000 | $ 133,000 |
| Travis County Texas | 1 | $ 307,000 | $ 307,000 | $ 106,000 |
| Carroll County Virginia | 1 | $ 89,000 | $ 89,000 | $ 166,000 |
| Fairfax County Virginia | 1 | $ 417,000 | $ 417,000 | $ 130,000 |
| Franklin County Virginia | 1 | $ 300,000 | $ 300,000 | $ 59,000 |
| Frederick County Virginia | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Galax County Virginia | 1 | $ 81,000 | $ 81,000 | $ 59,000 |
| Patrick County Virginia | 1 | $ 121,000 | $ 121,000 | $ 109,000 |
| Virginia Beach County Virginia | 1 | $ 28,000 | $ 28,000 | $ 87,000 |
| Wythe County Virginia | 1 | $ 102,000 | $ 102,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Allegacy Federal Credit Union in 2014
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 | 334 | $39,563,000 | $118,000 | $800,000 | $83,000 | $404,000 |
| Home Purchase | 255 | $43,901,000 | $172,000 | $1,280,000 | $109,000 | $2,955,000 |
| Home Improvement | 99 | $13,581,000 | $137,000 | $947,000 | $90,000 | $450,000 |
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 | 516 | $78,633,000 | $152,000 | $1,280,000 | $100,000 | $2,955,000 |
| Not Provided | 72 | $8,756,000 | $121,000 | $417,000 | $96,000 | $380,000 |
| Black or African American | 53 | $5,836,000 | $110,000 | $630,000 | $81,000 | $380,000 |
| Hispanic | 24 | $2,119,000 | $88,000 | $374,000 | $48,000 | $112,000 |
| Not applicable | 16 | $526,000 | $32,000 | $58,000 | $0 | $0 |
| Asian | 5 | $897,000 | $179,000 | $260,000 | $108,000 | $167,000 |
| American Indian or Alaskan Native | 2 | $278,000 | $139,000 | $175,000 | $129,000 | $163,000 |
| 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) | 666 | $93,133,000 | $139,000 | $1,280,000 | $94,000 | $2,955,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,426,000 | $201,000 | $368,000 | $94,000 | $194,000 |
| FHA-insured (Federal Housing Administration) | 4 | $374,000 | $93,000 | $141,000 | $57,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $112,000 | $112,000 | $112,000 | $44,000 | $44,000 |
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 | 437 | $63,562,000 | $145,000 | $1,280,000 | $99,000 | $2,955,000 |
| Application Withdrawn By Applicant | 127 | $18,458,000 | $145,000 | $630,000 | $98,000 | $450,000 |
| Application Denied By Financial Institution | 117 | $12,910,000 | $110,000 | $800,000 | $69,000 | $235,000 |
| File Closed For Incompleteness | 4 | $553,000 | $138,000 | $190,000 | $71,000 | $98,000 |
| Application Approved But Not Accepted | 3 | $1,562,000 | $520,000 | $860,000 | $224,000 | $312,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Credit History | 44 | $3,349,000 | $76,000 | $423,000 | $59,000 | $196,000 |
| Collateral | 27 | $4,011,000 | $148,000 | $800,000 | $85,000 | $230,000 |
| Debt-To-Income Ratio | 25 | $3,531,000 | $141,000 | $417,000 | $69,000 | $235,000 |
| Other | 6 | $911,000 | $151,000 | $210,000 | $76,000 | $175,000 |
| Unverifiable Information | 1 | $15,000 | $15,000 | $15,000 | $235,000 | $235,000 |
| Credit Application Incomplete | 1 | $47,000 | $47,000 | $47,000 | $96,000 | $96,000 |
| Employment History | 1 | $115,000 | $115,000 | $115,000 | $64,000 | $64,000 |
| Mortgage Insurance Denied | 1 | $115,000 | $115,000 | $115,000 | $30,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Allegacy Federal Credit Union's 2014 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.