Allegacy Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Allegacy Federal Credit Union 2015 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 | 1,017 |
| Total Mortgage Loan Application Amount | $141,637,000 |
| Average Mortgage Loan Application Amount | $119,333 |
| Highest Mortgage Loan Application Amount | $1,428,000 |
| Average Applicant Income | $89,333 |
| Highest Applicant Income | $791,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 483 | $ 61,513,000 | $ 127,000 | $ 77,000 |
| Davidson County North Carolina | 106 | $ 13,067,000 | $ 123,000 | $ 72,000 |
| Stokes County North Carolina | 71 | $ 7,771,000 | $ 109,000 | $ 56,000 |
| Davie County North Carolina | 56 | $ 9,345,000 | $ 166,000 | $ 101,000 |
| Guilford County North Carolina | 52 | $ 7,274,000 | $ 139,000 | $ 96,000 |
| Yadkin County North Carolina | 29 | $ 3,699,000 | $ 127,000 | $ 69,000 |
| Mecklenburg County North Carolina | 27 | $ 6,141,000 | $ 227,000 | $ 124,000 |
| Surry County North Carolina | 27 | $ 2,922,000 | $ 108,000 | $ 66,000 |
| Iredell County North Carolina | 16 | $ 3,323,000 | $ 207,000 | $ 117,000 |
| Wake County North Carolina | 14 | $ 2,848,000 | $ 203,000 | $ 103,000 |
| Rowan County North Carolina | 7 | $ 635,000 | $ 90,000 | $ 106,000 |
| Randolph County North Carolina | 6 | $ 654,000 | $ 109,000 | $ 74,000 |
| Rockingham County North Carolina | 6 | $ 757,000 | $ 126,000 | $ 74,000 |
| Union County North Carolina | 6 | $ 903,000 | $ 150,000 | $ 101,000 |
| Carteret County North Carolina | 5 | $ 724,000 | $ 144,000 | $ 125,000 |
| Catawba County North Carolina | 5 | $ 995,000 | $ 199,000 | $ 111,000 |
| Chatham County North Carolina | 4 | $ 647,000 | $ 161,000 | $ 92,000 |
| Durham County North Carolina | 4 | $ 714,000 | $ 178,000 | $ 92,000 |
| Palm Beach County Florida | 3 | $ 852,000 | $ 284,000 | $ 171,000 |
| Morris County New Jersey | 3 | $ 615,000 | $ 205,000 | $ 149,000 |
| Alamance County North Carolina | 3 | $ 269,000 | $ 89,000 | $ 71,000 |
| Ashe County North Carolina | 3 | $ 370,000 | $ 123,000 | $ 93,000 |
| Brunswick County North Carolina | 3 | $ 423,000 | $ 141,000 | $ 80,000 |
| Gaston County North Carolina | 3 | $ 408,000 | $ 136,000 | $ 113,000 |
| Wilkes County North Carolina | 3 | $ 236,000 | $ 78,000 | $ 25,000 |
| Patrick County Virginia | 3 | $ 259,000 | $ 86,000 | $ 74,000 |
| Duval County Florida | 2 | $ 382,000 | $ 191,000 | $ 132,000 |
| Hillsborough County Florida | 2 | $ 366,000 | $ 183,000 | $ 99,000 |
| Fulton County Georgia | 2 | $ 468,000 | $ 234,000 | $ 119,000 |
| Burlington County New Jersey | 2 | $ 509,000 | $ 254,000 | $ 170,000 |
| Monmouth County New Jersey | 2 | $ 200,000 | $ 100,000 | $ 73,000 |
| Alexander County North Carolina | 2 | $ 145,000 | $ 72,000 | $ 70,000 |
| Cabarrus County North Carolina | 2 | $ 202,000 | $ 101,000 | $ 38,000 |
| Cleveland County North Carolina | 2 | $ 305,000 | $ 152,000 | $ 19,000 |
| Franklin County North Carolina | 2 | $ 531,000 | $ 265,000 | $ 189,000 |
| Henderson County North Carolina | 2 | $ 363,000 | $ 181,000 | $ 113,000 |
| Johnston County North Carolina | 2 | $ 413,000 | $ 206,000 | $ 85,000 |
| Luzerne County Pennsylvania | 2 | $ 109,000 | $ 54,000 | $ 95,000 |
| Charleston County South Carolina | 2 | $ 403,000 | $ 201,000 | $ 119,000 |
| Lancaster County South Carolina | 2 | $ 815,000 | $ 407,000 | $ 155,000 |
| Lexington County South Carolina | 2 | $ 49,000 | $ 24,000 | $ 85,000 |
| Riverside County California | 1 | $ 230,000 | $ 230,000 | $ 86,000 |
| Tolland County Connecticut | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Pinellas County Florida | 1 | $ 205,000 | $ 205,000 | $ 182,000 |
| Sarasota County Florida | 1 | $ 233,000 | $ 233,000 | $ 115,000 |
| Bibb County Georgia | 1 | $ 239,000 | $ 239,000 | $ 179,000 |
| Chatham County Georgia | 1 | $ 53,000 | $ 53,000 | $ 58,000 |
| Cherokee County Georgia | 1 | $ 48,000 | $ 48,000 | $ 158,000 |
| Cobb County Georgia | 1 | $ 235,000 | $ 235,000 | $ 160,000 |
| Houston County Georgia | 1 | $ 124,000 | $ 124,000 | $ 40,000 |
| Paulding County Georgia | 1 | $ 30,000 | $ 30,000 | $ 53,000 |
| Dubois County Indiana | 1 | $ 524,000 | $ 524,000 | $ 495,000 |
| Hamilton County Indiana | 1 | $ 209,000 | $ 209,000 | $ 107,000 |
| Charles County Maryland | 1 | $ 344,000 | $ 344,000 | $ 216,000 |
| Harford County Maryland | 1 | $ 225,000 | $ 225,000 | $ 124,000 |
| Middlesex County New Jersey | 1 | $ 322,000 | $ 322,000 | $ 48,000 |
| Erie County New York | 1 | $ 141,000 | $ 141,000 | $ 98,000 |
| Putnam County New York | 1 | $ 313,000 | $ 313,000 | $ 224,000 |
| Richmond County New York | 1 | $ 325,000 | $ 325,000 | $ 62,000 |
| Alleghany County North Carolina | 1 | $ 87,000 | $ 87,000 | $ 29,000 |
| Avery County North Carolina | 1 | $ 52,000 | $ 52,000 | $ 175,000 |
| Burke County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 93,000 |
| Granville County North Carolina | 1 | $ 645,000 | $ 645,000 | $ 228,000 |
| Halifax County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 43,000 |
| Hoke County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 15,000 |
| Lincoln County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 149,000 |
| New Hanover County North Carolina | 1 | $ 40,000 | $ 40,000 | $ 122,000 |
| Pitt County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Allegheny County Pennsylvania | 1 | $ 637,000 | $ 637,000 | $ 311,000 |
| Chester County Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 312,000 |
| Lackawanna County Pennsylvania | 1 | $ 141,000 | $ 141,000 | $ 58,000 |
| Monroe County Pennsylvania | 1 | $ 157,000 | $ 157,000 | $ 100,000 |
| Northampton County Pennsylvania | 1 | $ 203,000 | $ 203,000 | $ 139,000 |
| Anderson County South Carolina | 1 | $ 252,000 | $ 252,000 | $ 198,000 |
| Dorchester County South Carolina | 1 | $ 256,000 | $ 256,000 | $ 100,000 |
| Greenville County South Carolina | 1 | $ 377,000 | $ 377,000 | $ 206,000 |
| Horry County South Carolina | 1 | $ 67,000 | $ 67,000 | $ 49,000 |
| York County South Carolina | 1 | $ 590,000 | $ 590,000 | $ 213,000 |
| Arlington County Virginia | 1 | $ 100,000 | $ 100,000 | $ 309,000 |
| Prince William County Virginia | 1 | $ 242,000 | $ 242,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Allegacy Federal Credit Union in 2015
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 | 650 | $87,482,000 | $134,000 | $1,428,000 | $83,000 | $791,000 |
| Home Purchase | 349 | $52,831,000 | $151,000 | $590,000 | $84,000 | $756,000 |
| Home Improvement | 18 | $1,324,000 | $73,000 | $245,000 | $101,000 | $309,000 |
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 | 750 | $108,733,000 | $144,000 | $1,428,000 | $87,000 | $791,000 |
| Black or African American | 121 | $15,036,000 | $124,000 | $637,000 | $73,000 | $339,000 |
| Not Provided | 61 | $6,962,000 | $114,000 | $270,000 | $83,000 | $230,000 |
| Hispanic | 41 | $4,279,000 | $104,000 | $410,000 | $65,000 | $347,000 |
| Asian | 21 | $3,729,000 | $177,000 | $417,000 | $121,000 | $309,000 |
| Not applicable | 19 | $2,372,000 | $124,000 | $500,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $526,000 | $131,000 | $200,000 | $62,000 | $94,000 |
| 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) | 1,009 | $140,727,000 | $139,000 | $1,428,000 | $84,000 | $791,000 |
| VA-guaranteed (Veterans Administration) | 4 | $542,000 | $135,000 | $212,000 | $80,000 | $132,000 |
| FHA-insured (Federal Housing Administration) | 3 | $303,000 | $101,000 | $116,000 | $64,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $65,000 | $65,000 | $65,000 | $24,000 | $24,000 |
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 | 618 | $86,248,000 | $139,000 | $1,428,000 | $85,000 | $756,000 |
| Application Denied By Financial Institution | 176 | $23,356,000 | $132,000 | $692,000 | $78,000 | $791,000 |
| Application Withdrawn By Applicant | 169 | $24,961,000 | $147,000 | $637,000 | $88,000 | $531,000 |
| File Closed For Incompleteness | 49 | $6,688,000 | $136,000 | $524,000 | $81,000 | $495,000 |
| Application Approved But Not Accepted | 5 | $384,000 | $76,000 | $96,000 | $39,000 | $88,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Allegacy Federal Credit Union's 2015 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.