Allegacy Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Allegacy Federal Credit Union 2019 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 | 3,100 |
| Total Mortgage Loan Application Amount | $353,020,000 |
| Average Mortgage Loan Application Amount | $132,800 |
| Highest Mortgage Loan Application Amount | $5,475,000 |
| Average Applicant Income | $115,600 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 1,097 | $ 108,385,000 | $ 98,000 | $ 98,000 |
| Davidson County North Carolina | 204 | $ 20,260,000 | $ 99,000 | $ 98,000 |
| Guilford County North Carolina | 204 | $ 24,630,000 | $ 120,000 | $ 117,000 |
| Stokes County North Carolina | 199 | $ 16,215,000 | $ 81,000 | $ 85,000 |
| Davie County North Carolina | 196 | $ 19,680,000 | $ 100,000 | $ 106,000 |
| Mecklenburg County North Carolina | 176 | $ 24,600,000 | $ 139,000 | $ 192,000 |
| Surry County North Carolina | 116 | $ 10,780,000 | $ 92,000 | $ 99,000 |
| Wake County North Carolina | 68 | $ 10,820,000 | $ 159,000 | $ 167,000 |
| Yadkin County North Carolina | 60 | $ 6,220,000 | $ 103,000 | $ 93,000 |
| Iredell County North Carolina | 53 | $ 6,335,000 | $ 119,000 | $ 146,000 |
| Union County North Carolina | 42 | $ 5,230,000 | $ 124,000 | $ 185,000 |
| Rockingham County North Carolina | 25 | $ 2,695,000 | $ 107,000 | $ 78,000 |
| Cabarrus County North Carolina | 24 | $ 3,180,000 | $ 132,000 | $ 128,000 |
| York County South Carolina | 24 | $ 2,690,000 | $ 112,000 | $ 136,000 |
| Gaston County North Carolina | 20 | $ 2,080,000 | $ 104,000 | $ 113,000 |
| Randolph County North Carolina | 20 | $ 2,640,000 | $ 132,000 | $ 97,000 |
| Morris County New Jersey | 18 | $ 2,540,000 | $ 141,000 | $ 187,000 |
| Alamance County North Carolina | 16 | $ 1,350,000 | $ 84,000 | $ 134,000 |
| Bergen County New Jersey | 15 | $ 3,995,000 | $ 266,000 | $ 241,000 |
| Lincoln County North Carolina | 15 | $ 2,295,000 | $ 153,000 | $ 128,000 |
| Brunswick County North Carolina | 14 | $ 2,020,000 | $ 144,000 | $ 199,000 |
| Catawba County North Carolina | 14 | $ 1,440,000 | $ 102,000 | $ 127,000 |
| Durham County North Carolina | 13 | $ 2,835,000 | $ 218,000 | $ 137,000 |
| Wilkes County North Carolina | 12 | $ 1,030,000 | $ 85,000 | $ 75,000 |
| New Hanover County North Carolina | 11 | $ 1,325,000 | $ 120,000 | $ 139,000 |
| Rowan County North Carolina | 11 | $ 1,105,000 | $ 100,000 | $ 107,000 |
| Carroll County Virginia | 11 | $ 845,000 | $ 76,000 | $ 98,000 |
| Cobb County Georgia | 10 | $ 1,210,000 | $ 121,000 | $ 150,000 |
| Forsyth County Georgia | 10 | $ 970,000 | $ 97,000 | $ 119,000 |
| Fulton County Georgia | 10 | $ 1,480,000 | $ 148,000 | $ 189,000 |
| Buncombe County North Carolina | 10 | $ 1,510,000 | $ 151,000 | $ 89,000 |
| Riverside County California | 9 | $ 725,000 | $ 80,000 | $ 169,000 |
| Gwinnett County Georgia | 9 | $ 905,000 | $ 100,000 | $ 157,000 |
| Richmond County New York | 8 | $ 1,030,000 | $ 128,000 | $ 147,000 |
| Los Angeles County California | 7 | $ 1,295,000 | $ 185,000 | $ 193,000 |
| Cherokee County Georgia | 7 | $ 425,000 | $ 60,000 | $ 187,000 |
| Union County New Jersey | 7 | $ 1,445,000 | $ 206,000 | $ 263,000 |
| Chatham County North Carolina | 7 | $ 1,375,000 | $ 196,000 | $ 157,000 |
| Essex County New Jersey | 6 | $ 1,300,000 | $ 216,000 | $ 159,000 |
| Loudoun County Virginia | 6 | $ 1,660,000 | $ 276,000 | $ 326,000 |
| Patrick County Virginia | 6 | $ 390,000 | $ 65,000 | $ 73,000 |
| Orange County California | 5 | $ 665,000 | $ 133,000 | $ 139,000 |
| Palm Beach County Florida | 5 | $ 1,505,000 | $ 301,000 | $ 166,000 |
| Beaufort County North Carolina | 5 | $ 535,000 | $ 107,000 | $ 162,000 |
| Caldwell County North Carolina | 5 | $ 325,000 | $ 65,000 | $ 76,000 |
| Horry County South Carolina | 5 | $ 805,000 | $ 161,000 | $ 136,000 |
| Lancaster County South Carolina | 5 | $ 435,000 | $ 87,000 | $ 135,000 |
| District of Columbia County District Of Columbia | 4 | $ 430,000 | $ 107,000 | $ 165,000 |
| Pinellas County Florida | 4 | $ 420,000 | $ 105,000 | $ 122,000 |
| Monmouth County New Jersey | 4 | $ 310,000 | $ 77,000 | $ 98,000 |
| Alexander County North Carolina | 4 | $ 250,000 | $ 62,000 | $ 102,000 |
| Ashe County North Carolina | 4 | $ 520,000 | $ 130,000 | $ 115,000 |
| Burke County North Carolina | 4 | $ 520,000 | $ 130,000 | $ 277,000 |
| Cleveland County North Carolina | 4 | $ 6,300,000 | $ 1,575,000 | $ 97,000 |
| Cumberland County North Carolina | 4 | $ 630,000 | $ 157,000 | $ 117,000 |
| Franklin County North Carolina | 4 | $ 260,000 | $ 65,000 | $ 53,000 |
| Johnston County North Carolina | 4 | $ 360,000 | $ 90,000 | $ 75,000 |
| Orange County North Carolina | 4 | $ 1,190,000 | $ 297,000 | $ 246,000 |
| Charleston County South Carolina | 4 | $ 580,000 | $ 145,000 | $ 179,000 |
| Richland County South Carolina | 4 | $ 200,000 | $ 50,000 | $ 151,000 |
| Alameda County California | 3 | $ 285,000 | $ 95,000 | $ 151,000 |
| Kern County California | 3 | $ 695,000 | $ 231,000 | $ 116,000 |
| Sacramento County California | 3 | $ 75,000 | $ 25,000 | $ 95,000 |
| San Bernardino County California | 3 | $ 725,000 | $ 241,000 | $ 162,000 |
| Ventura County California | 3 | $ 175,000 | $ 58,000 | $ 135,000 |
| Orange County Florida | 3 | $ 355,000 | $ 118,000 | $ 68,000 |
| Sarasota County Florida | 3 | $ 345,000 | $ 115,000 | $ 90,000 |
| Anne Arundel County Maryland | 3 | $ 285,000 | $ 95,000 | $ 124,000 |
| Frederick County Maryland | 3 | $ 385,000 | $ 128,000 | $ 156,000 |
| Montgomery County Maryland | 3 | $ 205,000 | $ 68,000 | $ 271,000 |
| Hudson County New Jersey | 3 | $ 475,000 | $ 158,000 | $ 154,000 |
| Middlesex County New Jersey | 3 | $ 665,000 | $ 221,000 | $ 239,000 |
| Passaic County New Jersey | 3 | $ 515,000 | $ 171,000 | $ 89,000 |
| Somerset County New Jersey | 3 | $ 195,000 | $ 65,000 | $ 139,000 |
| Nassau County New York | 3 | $ 345,000 | $ 115,000 | $ 226,000 |
| Rockland County New York | 3 | $ 385,000 | $ 128,000 | $ 131,000 |
| Craven County North Carolina | 3 | $ 115,000 | $ 38,000 | $ 104,000 |
| Dare County North Carolina | 3 | $ 465,000 | $ 155,000 | $ 148,000 |
| Harnett County North Carolina | 3 | $ 415,000 | $ 138,000 | $ 119,000 |
| Henderson County North Carolina | 3 | $ 225,000 | $ 75,000 | $ 120,000 |
| Moore County North Carolina | 3 | $ 455,000 | $ 151,000 | $ 145,000 |
| Person County North Carolina | 3 | $ 1,185,000 | $ 395,000 | $ 282,000 |
| Pitt County North Carolina | 3 | $ 275,000 | $ 91,000 | $ 111,000 |
| Watauga County North Carolina | 3 | $ 545,000 | $ 181,000 | $ 146,000 |
| Allegheny County Pennsylvania | 3 | $ 515,000 | $ 171,000 | $ 295,000 |
| Fort Bend County Texas | 3 | $ 485,000 | $ 161,000 | $ 203,000 |
| Fairfax County Virginia | 3 | $ 935,000 | $ 311,000 | $ 299,000 |
| San Joaquin County California | 2 | $ 110,000 | $ 55,000 | $ 102,000 |
| Fairfield County Connecticut | 2 | $ 90,000 | $ 45,000 | $ 166,000 |
| Lee County Florida | 2 | $ 450,000 | $ 225,000 | $ 177,000 |
| St. Johns County Florida | 2 | $ 70,000 | $ 35,000 | $ 112,000 |
| Bartow County Georgia | 2 | $ 50,000 | $ 25,000 | $ 91,000 |
| Coweta County Georgia | 2 | $ 100,000 | $ 50,000 | $ 127,000 |
| Dawson County Georgia | 2 | $ 110,000 | $ 55,000 | $ 71,000 |
| DeKalb County Georgia | 2 | $ 190,000 | $ 95,000 | $ 222,000 |
| Hall County Georgia | 2 | $ 450,000 | $ 225,000 | $ 204,000 |
| Paulding County Georgia | 2 | $ 40,000 | $ 20,000 | $ 124,000 |
| Prince George's County Maryland | 2 | $ 70,000 | $ 35,000 | $ 122,000 |
| Ocean County New Jersey | 2 | $ 230,000 | $ 115,000 | $ 96,000 |
| Kings County New York | 2 | $ 670,000 | $ 335,000 | $ 120,000 |
| Ulster County New York | 2 | $ 70,000 | $ 35,000 | $ 142,000 |
| Carteret County North Carolina | 2 | $ 150,000 | $ 75,000 | $ 107,000 |
| Onslow County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 58,000 |
| Stanly County North Carolina | 2 | $ 100,000 | $ 50,000 | $ 139,000 |
| York County Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 50,000 |
| Chester County South Carolina | 2 | $ 80,000 | $ 40,000 | $ 23,000 |
| Dillon County South Carolina | 2 | $ 2,040,000 | $ 1,020,000 | $ 0 |
| Dorchester County South Carolina | 2 | $ 120,000 | $ 60,000 | $ 85,000 |
| Georgetown County South Carolina | 2 | $ 490,000 | $ 245,000 | $ 161,000 |
| Dallas County Texas | 2 | $ 70,000 | $ 35,000 | $ 127,000 |
| Alexandria County Virginia | 2 | $ 390,000 | $ 195,000 | $ 196,000 |
| Hanover County Virginia | 2 | $ 260,000 | $ 130,000 | $ 180,000 |
| Henrico County Virginia | 2 | $ 160,000 | $ 80,000 | $ 197,000 |
| Prince William County Virginia | 2 | $ 150,000 | $ 75,000 | $ 136,000 |
| Virginia Beach County Virginia | 2 | $ 460,000 | $ 230,000 | $ 402,000 |
| Maricopa County Arizona | 1 | $ 95,000 | $ 95,000 | $ 243,000 |
| Lake County California | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Placer County California | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Tulare County California | 1 | $ 215,000 | $ 215,000 | $ 119,000 |
| Arapahoe County Colorado | 1 | $ 45,000 | $ 45,000 | $ 78,000 |
| Denver County Colorado | 1 | $ 355,000 | $ 355,000 | $ 200,000 |
| New Haven County Connecticut | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| New London County Connecticut | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| New Castle County Delaware | 1 | $ 75,000 | $ 75,000 | $ 117,000 |
| Broward County Florida | 1 | $ 25,000 | $ 25,000 | $ 617,000 |
| Escambia County Florida | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Miami-Dade County Florida | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| Osceola County Florida | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Seminole County Florida | 1 | $ 35,000 | $ 35,000 | $ 56,000 |
| Butts County Georgia | 1 | $ 15,000 | $ 15,000 | $ 81,000 |
| Crawford County Georgia | 1 | $ 65,000 | $ 65,000 | $ 19,000 |
| Fayette County Georgia | 1 | $ 45,000 | $ 45,000 | $ 119,000 |
| Haralson County Georgia | 1 | $ 55,000 | $ 55,000 | $ 125,000 |
| Henry County Georgia | 1 | $ 35,000 | $ 35,000 | $ 117,000 |
| Jackson County Georgia | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Jones County Georgia | 1 | $ 235,000 | $ 235,000 | $ 124,000 |
| Rockdale County Georgia | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Lake County Illinois | 1 | $ 265,000 | $ 265,000 | $ 72,000 |
| McHenry County Illinois | 1 | $ 75,000 | $ 75,000 | $ 358,000 |
| Hamilton County Indiana | 1 | $ 135,000 | $ 135,000 | $ 107,000 |
| Howard County Indiana | 1 | $ 175,000 | $ 175,000 | $ 169,000 |
| Marshall County Indiana | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| St. Tammany County Louisiana | 1 | $ 15,000 | $ 15,000 | $ 200,000 |
| Carroll County Maryland | 1 | $ 55,000 | $ 55,000 | $ 170,000 |
| Queen Anne's County Maryland | 1 | $ 75,000 | $ 75,000 | $ 110,000 |
| Sanilac County Michigan | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Jackson County Missouri | 1 | $ 35,000 | $ 35,000 | $ 75,000 |
| Camden County New Jersey | 1 | $ 465,000 | $ 465,000 | $ 261,000 |
| Gloucester County New Jersey | 1 | $ 15,000 | $ 15,000 | $ 66,000 |
| Hunterdon County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 87,000 |
| Sussex County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 108,000 |
| Dutchess County New York | 1 | $ 325,000 | $ 325,000 | $ 94,000 |
| New York County New York | 1 | $ 325,000 | $ 325,000 | $ 420,000 |
| Onondaga County New York | 1 | $ 155,000 | $ 155,000 | $ 166,000 |
| Queens County New York | 1 | $ 105,000 | $ 105,000 | $ 186,000 |
| Rensselaer County New York | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Sullivan County New York | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Wyoming County New York | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
| Anson County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 96,000 |
| Edgecombe County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Gates County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Granville County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 320,000 |
| Greene County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 58,000 |
| Haywood County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 115,000 |
| Hyde County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Jackson County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 216,000 |
| Lee County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Nash County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 130,000 |
| Northampton County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 185,000 |
| Polk County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 205,000 |
| Richmond County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Scotland County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Warren County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Wayne County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 131,000 |
| Wilson County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 95,000 |
| Clermont County Ohio | 1 | $ 25,000 | $ 25,000 | $ 217,000 |
| Berks County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 87,000 |
| Bucks County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 171,000 |
| Luzerne County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 155,000 |
| Montgomery County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 250,000 |
| Northampton County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Philadelphia County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 108,000 |
| Union County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 71,000 |
| Beaufort County South Carolina | 1 | $ 435,000 | $ 435,000 | $ 233,000 |
| Berkeley County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 132,000 |
| Greenville County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 104,000 |
| Lexington County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 150,000 |
| Marlboro County South Carolina | 1 | $ 1,725,000 | $ 1,725,000 | $ 0 |
| Spartanburg County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| Rutherford County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 138,000 |
| Collin County Texas | 1 | $ 265,000 | $ 265,000 | $ 144,000 |
| Tarrant County Texas | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Albemarle County Virginia | 1 | $ 45,000 | $ 45,000 | $ 121,000 |
| Arlington County Virginia | 1 | $ 295,000 | $ 295,000 | $ 190,000 |
| Chesapeake County Virginia | 1 | $ 25,000 | $ 25,000 | $ 111,000 |
| Chesterfield County Virginia | 1 | $ 55,000 | $ 55,000 | $ 180,000 |
| Clarke County Virginia | 1 | $ 1,715,000 | $ 1,715,000 | $ 720,000 |
| Falls Church County Virginia | 1 | $ 325,000 | $ 325,000 | $ 367,000 |
| Fauquier County Virginia | 1 | $ 35,000 | $ 35,000 | $ 95,000 |
| Greene County Virginia | 1 | $ 85,000 | $ 85,000 | $ 156,000 |
| Henry County Virginia | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Richmond City County Virginia | 1 | $ 225,000 | $ 225,000 | $ 129,000 |
| Roanoke County Virginia | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Smyth County Virginia | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Berkeley County West Virginia | 1 | $ 315,000 | $ 315,000 | $ 85,000 |
| Kanawha County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 201,000 |
Mortgage Loan Application Detail Totals for Allegacy Federal Credit Union in 2019
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 | 1,079 | $134,805,000 | $124,000 | $1,905,000 | $114,000 | $1,039,000 |
| Other Purpose | 735 | $45,595,000 | $62,000 | $355,000 | $113,000 | $818,000 |
| Home Improvement | 627 | $42,495,000 | $67,000 | $355,000 | $131,000 | $1,200,000 |
| Home Purchase | 509 | $96,945,000 | $190,000 | $5,475,000 | $119,000 | $929,000 |
| Cash-out Refinancing | 150 | $33,180,000 | $221,000 | $1,715,000 | $101,000 | $720,000 |
| 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 | 2,196 | $236,050,000 | $107,000 | $905,000 | $112,000 | $1,200,000 |
| Not Provided | 430 | $47,260,000 | $109,000 | $885,000 | $164,000 | $818,000 |
| Black or African American | 294 | $32,030,000 | $108,000 | $1,905,000 | $92,000 | $720,000 |
| Hispanic | 96 | $10,590,000 | $110,000 | $545,000 | $83,000 | $278,000 |
| Asian | 37 | $7,355,000 | $198,000 | $1,525,000 | $154,000 | $420,000 |
| Not applicable | 26 | $16,880,000 | $649,000 | $5,475,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $1,460,000 | $104,000 | $345,000 | $73,000 | $184,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $252,000 | $252,000 |
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) | 3,078 | $348,730,000 | $113,000 | $5,475,000 | $118,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,815,000 | $165,000 | $305,000 | $72,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,380,000 | $238,000 | $425,000 | $53,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $95,000 | $95,000 | $95,000 | $33,000 | $33,000 |
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 | 2,020 | $231,250,000 | $114,000 | $5,475,000 | $124,000 | $929,000 |
| Application Denied By Financial Institution | 462 | $46,030,000 | $99,000 | $1,905,000 | $92,000 | $1,200,000 |
| Application Withdrawn By Applicant | 455 | $58,875,000 | $129,000 | $685,000 | $110,000 | $639,000 |
| File Closed For Incompleteness | 149 | $15,555,000 | $104,000 | $535,000 | $137,000 | $676,000 |
| Application Approved But Not Accepted | 14 | $1,310,000 | $93,000 | $325,000 | $134,000 | $367,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,638 | $306,990,000 | $116,000 | $5,475,000 | $122,000 | $929,000 |
| Credit History | 201 | $19,695,000 | $97,000 | $1,905,000 | $85,000 | $1,200,000 |
| Debt-To-Income Ratio | 104 | $10,020,000 | $96,000 | $395,000 | $64,000 | $210,000 |
| Other | 87 | $9,445,000 | $108,000 | $565,000 | $115,000 | $450,000 |
| Collateral | 59 | $5,035,000 | $85,000 | $485,000 | $117,000 | $435,000 |
| Unverifiable Information | 4 | $560,000 | $140,000 | $255,000 | $89,000 | $168,000 |
| Employment History | 4 | $490,000 | $122,000 | $285,000 | $73,000 | $137,000 |
| Credit Application Incomplete | 3 | $785,000 | $261,000 | $455,000 | $383,000 | $1,039,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Allegacy Federal Credit Union's 2019 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.
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