Allegacy Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Allegacy Federal Credit Union 2020 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 | 4,857 |
| Total Mortgage Loan Application Amount | $684,315,000 |
| Average Mortgage Loan Application Amount | $145,600 |
| Highest Mortgage Loan Application Amount | $2,435,000 |
| Average Applicant Income | $136,600 |
| Highest Applicant Income | $3,900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 1,690 | $ 219,240,000 | $ 129,000 | $ 119,000 |
| Guilford County North Carolina | 388 | $ 61,700,000 | $ 159,000 | $ 144,000 |
| Davidson County North Carolina | 322 | $ 39,740,000 | $ 123,000 | $ 102,000 |
| Mecklenburg County North Carolina | 291 | $ 47,095,000 | $ 161,000 | $ 201,000 |
| Davie County North Carolina | 274 | $ 39,390,000 | $ 143,000 | $ 111,000 |
| Stokes County North Carolina | 237 | $ 26,555,000 | $ 112,000 | $ 92,000 |
| Surry County North Carolina | 164 | $ 19,680,000 | $ 120,000 | $ 98,000 |
| Wake County North Carolina | 152 | $ 24,540,000 | $ 161,000 | $ 182,000 |
| Yadkin County North Carolina | 114 | $ 12,470,000 | $ 109,000 | $ 90,000 |
| Iredell County North Carolina | 84 | $ 14,590,000 | $ 173,000 | $ 175,000 |
| Union County North Carolina | 75 | $ 12,995,000 | $ 173,000 | $ 198,000 |
| Randolph County North Carolina | 47 | $ 5,315,000 | $ 113,000 | $ 85,000 |
| Rockingham County North Carolina | 43 | $ 4,915,000 | $ 114,000 | $ 124,000 |
| York County South Carolina | 30 | $ 4,030,000 | $ 134,000 | $ 146,000 |
| Cherokee County Georgia | 28 | $ 3,080,000 | $ 110,000 | $ 202,000 |
| Cabarrus County North Carolina | 28 | $ 3,140,000 | $ 112,000 | $ 162,000 |
| Rowan County North Carolina | 25 | $ 2,945,000 | $ 117,000 | $ 115,000 |
| Cobb County Georgia | 24 | $ 3,520,000 | $ 146,000 | $ 172,000 |
| Fulton County Georgia | 22 | $ 3,630,000 | $ 165,000 | $ 212,000 |
| Brunswick County North Carolina | 21 | $ 4,275,000 | $ 203,000 | $ 193,000 |
| Lincoln County North Carolina | 20 | $ 2,770,000 | $ 138,000 | $ 245,000 |
| Morris County New Jersey | 18 | $ 4,010,000 | $ 222,000 | $ 183,000 |
| Chatham County North Carolina | 18 | $ 4,590,000 | $ 255,000 | $ 279,000 |
| Wilkes County North Carolina | 18 | $ 2,790,000 | $ 155,000 | $ 124,000 |
| Durham County North Carolina | 16 | $ 2,210,000 | $ 138,000 | $ 136,000 |
| Catawba County North Carolina | 15 | $ 2,545,000 | $ 169,000 | $ 115,000 |
| Fairfax County Virginia | 15 | $ 3,775,000 | $ 251,000 | $ 243,000 |
| Forsyth County Georgia | 14 | $ 1,180,000 | $ 84,000 | $ 174,000 |
| Monmouth County New Jersey | 14 | $ 2,780,000 | $ 198,000 | $ 153,000 |
| Alamance County North Carolina | 14 | $ 1,580,000 | $ 112,000 | $ 205,000 |
| Gwinnett County Georgia | 13 | $ 1,325,000 | $ 101,000 | $ 142,000 |
| Hillsborough County Florida | 12 | $ 1,230,000 | $ 102,000 | $ 140,000 |
| Bergen County New Jersey | 12 | $ 2,340,000 | $ 195,000 | $ 192,000 |
| Gaston County North Carolina | 12 | $ 1,480,000 | $ 123,000 | $ 153,000 |
| New Hanover County North Carolina | 12 | $ 2,150,000 | $ 179,000 | $ 153,000 |
| Orange County North Carolina | 12 | $ 2,330,000 | $ 194,000 | $ 172,000 |
| Orange County California | 11 | $ 1,635,000 | $ 148,000 | $ 336,000 |
| Johnston County North Carolina | 11 | $ 1,415,000 | $ 128,000 | $ 231,000 |
| Watauga County North Carolina | 11 | $ 1,765,000 | $ 160,000 | $ 104,000 |
| Riverside County California | 10 | $ 920,000 | $ 92,000 | $ 187,000 |
| DeKalb County Georgia | 9 | $ 1,495,000 | $ 166,000 | $ 208,000 |
| Alexander County North Carolina | 9 | $ 1,015,000 | $ 112,000 | $ 91,000 |
| Horry County South Carolina | 9 | $ 1,545,000 | $ 171,000 | $ 178,000 |
| Los Angeles County California | 8 | $ 910,000 | $ 113,000 | $ 147,000 |
| Palm Beach County Florida | 8 | $ 1,000,000 | $ 125,000 | $ 226,000 |
| Carteret County North Carolina | 8 | $ 4,070,000 | $ 508,000 | $ 174,000 |
| Richland County South Carolina | 8 | $ 1,040,000 | $ 130,000 | $ 136,000 |
| Montgomery County Maryland | 7 | $ 835,000 | $ 119,000 | $ 175,000 |
| Essex County New Jersey | 7 | $ 1,395,000 | $ 199,000 | $ 294,000 |
| Ashe County North Carolina | 7 | $ 1,145,000 | $ 163,000 | $ 116,000 |
| Burke County North Carolina | 7 | $ 925,000 | $ 132,000 | $ 113,000 |
| Cumberland County North Carolina | 7 | $ 2,375,000 | $ 339,000 | $ 142,000 |
| Lancaster County South Carolina | 7 | $ 885,000 | $ 126,000 | $ 152,000 |
| Chesterfield County Virginia | 7 | $ 755,000 | $ 107,000 | $ 169,000 |
| Alameda County California | 6 | $ 1,510,000 | $ 251,000 | $ 254,000 |
| St. Johns County Florida | 6 | $ 1,010,000 | $ 168,000 | $ 117,000 |
| Somerset County New Jersey | 6 | $ 2,100,000 | $ 350,000 | $ 276,000 |
| Buncombe County North Carolina | 6 | $ 930,000 | $ 155,000 | $ 189,000 |
| Franklin County North Carolina | 6 | $ 1,230,000 | $ 205,000 | $ 133,000 |
| Charleston County South Carolina | 6 | $ 1,460,000 | $ 243,000 | $ 221,000 |
| District of Columbia County District Of Columbia | 5 | $ 705,000 | $ 141,000 | $ 532,000 |
| Brevard County Florida | 5 | $ 735,000 | $ 147,000 | $ 137,000 |
| Anne Arundel County Maryland | 5 | $ 725,000 | $ 145,000 | $ 223,000 |
| Caldwell County North Carolina | 5 | $ 545,000 | $ 109,000 | $ 131,000 |
| Cleveland County North Carolina | 5 | $ 1,155,000 | $ 231,000 | $ 178,000 |
| Harnett County North Carolina | 5 | $ 585,000 | $ 117,000 | $ 138,000 |
| Moore County North Carolina | 5 | $ 675,000 | $ 135,000 | $ 125,000 |
| Bucks County Pennsylvania | 5 | $ 545,000 | $ 109,000 | $ 174,000 |
| Berkeley County South Carolina | 5 | $ 955,000 | $ 191,000 | $ 225,000 |
| Lexington County South Carolina | 5 | $ 305,000 | $ 61,000 | $ 125,000 |
| Loudoun County Virginia | 5 | $ 655,000 | $ 131,000 | $ 297,000 |
| Prince William County Virginia | 5 | $ 745,000 | $ 149,000 | $ 170,000 |
| Contra Costa County California | 4 | $ 390,000 | $ 97,000 | $ 115,000 |
| San Diego County California | 4 | $ 1,040,000 | $ 260,000 | $ 263,000 |
| Duval County Florida | 4 | $ 290,000 | $ 72,000 | $ 155,000 |
| Miami-Dade County Florida | 4 | $ 1,000,000 | $ 250,000 | $ 269,000 |
| Passaic County New Jersey | 4 | $ 340,000 | $ 85,000 | $ 80,000 |
| Union County New Jersey | 4 | $ 830,000 | $ 207,000 | $ 601,000 |
| Granville County North Carolina | 4 | $ 960,000 | $ 240,000 | $ 145,000 |
| Henderson County North Carolina | 4 | $ 990,000 | $ 247,000 | $ 114,000 |
| Stanly County North Carolina | 4 | $ 1,780,000 | $ 445,000 | $ 62,000 |
| Allegheny County Pennsylvania | 4 | $ 720,000 | $ 180,000 | $ 360,000 |
| Dauphin County Pennsylvania | 4 | $ 930,000 | $ 232,000 | $ 163,000 |
| Arlington County Virginia | 4 | $ 1,660,000 | $ 415,000 | $ 806,000 |
| Henrico County Virginia | 4 | $ 720,000 | $ 180,000 | $ 103,000 |
| Virginia Beach County Virginia | 4 | $ 880,000 | $ 220,000 | $ 267,000 |
| Broward County Florida | 3 | $ 205,000 | $ 68,000 | $ 95,000 |
| Lee County Florida | 3 | $ 495,000 | $ 165,000 | $ 373,000 |
| Sarasota County Florida | 3 | $ 745,000 | $ 248,000 | $ 97,000 |
| Columbia County Georgia | 3 | $ 195,000 | $ 65,000 | $ 152,000 |
| Rockdale County Georgia | 3 | $ 225,000 | $ 75,000 | $ 108,000 |
| McHenry County Illinois | 3 | $ 745,000 | $ 248,000 | $ 185,000 |
| Baltimore County Maryland | 3 | $ 205,000 | $ 68,000 | $ 165,000 |
| Camden County New Jersey | 3 | $ 355,000 | $ 118,000 | $ 124,000 |
| Sussex County New Jersey | 3 | $ 385,000 | $ 128,000 | $ 197,000 |
| Avery County North Carolina | 3 | $ 935,000 | $ 311,000 | $ 157,000 |
| Edgecombe County North Carolina | 3 | $ 335,000 | $ 111,000 | $ 41,000 |
| Luzerne County Pennsylvania | 3 | $ 585,000 | $ 195,000 | $ 239,000 |
| Beaufort County South Carolina | 3 | $ 325,000 | $ 108,000 | $ 221,000 |
| Dorchester County South Carolina | 3 | $ 235,000 | $ 78,000 | $ 90,000 |
| Fairfield County South Carolina | 3 | $ 655,000 | $ 218,000 | $ 127,000 |
| Spartanburg County South Carolina | 3 | $ 475,000 | $ 158,000 | $ 105,000 |
| Tarrant County Texas | 3 | $ 765,000 | $ 255,000 | $ 230,000 |
| Carroll County Virginia | 3 | $ 225,000 | $ 75,000 | $ 103,000 |
| Franklin County Virginia | 3 | $ 835,000 | $ 278,000 | $ 158,000 |
| Grayson County Virginia | 3 | $ 445,000 | $ 148,000 | $ 112,000 |
| Lynchburg County Virginia | 3 | $ 125,000 | $ 41,000 | $ 118,000 |
| Patrick County Virginia | 3 | $ 205,000 | $ 68,000 | $ 61,000 |
| Roanoke County Virginia | 3 | $ 505,000 | $ 168,000 | $ 67,000 |
| Kern County California | 2 | $ 240,000 | $ 120,000 | $ 149,000 |
| Placer County California | 2 | $ 470,000 | $ 235,000 | $ 153,000 |
| San Mateo County California | 2 | $ 350,000 | $ 175,000 | $ 219,000 |
| Santa Clara County California | 2 | $ 820,000 | $ 410,000 | $ 488,000 |
| Fairfield County Connecticut | 2 | $ 170,000 | $ 85,000 | $ 39,000 |
| New Haven County Connecticut | 2 | $ 210,000 | $ 105,000 | $ 107,000 |
| Charlotte County Florida | 2 | $ 40,000 | $ 20,000 | $ 73,000 |
| Escambia County Florida | 2 | $ 140,000 | $ 70,000 | $ 222,000 |
| Manatee County Florida | 2 | $ 140,000 | $ 70,000 | $ 111,000 |
| Orange County Florida | 2 | $ 690,000 | $ 345,000 | $ 187,000 |
| Pinellas County Florida | 2 | $ 320,000 | $ 160,000 | $ 146,000 |
| Barrow County Georgia | 2 | $ 180,000 | $ 90,000 | $ 155,000 |
| Douglas County Georgia | 2 | $ 100,000 | $ 50,000 | $ 107,000 |
| Henry County Georgia | 2 | $ 270,000 | $ 135,000 | $ 185,000 |
| Jackson County Georgia | 2 | $ 150,000 | $ 75,000 | $ 75,000 |
| Newton County Georgia | 2 | $ 30,000 | $ 15,000 | $ 33,000 |
| Peach County Georgia | 2 | $ 430,000 | $ 215,000 | $ 82,000 |
| Walton County Georgia | 2 | $ 120,000 | $ 60,000 | $ 130,000 |
| DuPage County Illinois | 2 | $ 570,000 | $ 285,000 | $ 275,000 |
| Williamson County Illinois | 2 | $ 230,000 | $ 115,000 | $ 14,000 |
| Lake County Indiana | 2 | $ 30,000 | $ 15,000 | $ 85,000 |
| Clark County Nevada | 2 | $ 440,000 | $ 220,000 | $ 180,000 |
| Gloucester County New Jersey | 2 | $ 380,000 | $ 190,000 | $ 106,000 |
| Hudson County New Jersey | 2 | $ 310,000 | $ 155,000 | $ 118,000 |
| Warren County New Jersey | 2 | $ 250,000 | $ 125,000 | $ 170,000 |
| Bronx County New York | 2 | $ 460,000 | $ 230,000 | $ 109,000 |
| Erie County New York | 2 | $ 410,000 | $ 205,000 | $ 83,000 |
| Onondaga County New York | 2 | $ 140,000 | $ 70,000 | $ 125,000 |
| Richmond County New York | 2 | $ 90,000 | $ 45,000 | $ 110,000 |
| Pitt County North Carolina | 2 | $ 450,000 | $ 225,000 | $ 170,000 |
| Polk County North Carolina | 2 | $ 440,000 | $ 220,000 | $ 246,000 |
| Rutherford County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 264,000 |
| Scotland County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 84,000 |
| Transylvania County North Carolina | 2 | $ 740,000 | $ 370,000 | $ 151,000 |
| Armstrong County Pennsylvania | 2 | $ 240,000 | $ 120,000 | $ 87,000 |
| Monroe County Pennsylvania | 2 | $ 380,000 | $ 190,000 | $ 122,000 |
| Northampton County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 57,000 |
| Washington County Pennsylvania | 2 | $ 400,000 | $ 200,000 | $ 122,000 |
| Florence County South Carolina | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Greenwood County South Carolina | 2 | $ 260,000 | $ 130,000 | $ 81,000 |
| Collin County Texas | 2 | $ 650,000 | $ 325,000 | $ 195,000 |
| Frederick County Virginia | 2 | $ 350,000 | $ 175,000 | $ 63,000 |
| Hanover County Virginia | 2 | $ 80,000 | $ 40,000 | $ 86,000 |
| Middlesex County Virginia | 2 | $ 260,000 | $ 130,000 | $ 622,000 |
| Portsmouth County Virginia | 2 | $ 260,000 | $ 130,000 | $ 141,000 |
| El Dorado County California | 1 | $ 65,000 | $ 65,000 | $ 153,000 |
| San Joaquin County California | 1 | $ 65,000 | $ 65,000 | $ 108,000 |
| Santa Barbara County California | 1 | $ 95,000 | $ 95,000 | $ 250,000 |
| Sonoma County California | 1 | $ 155,000 | $ 155,000 | $ 212,000 |
| Stanislaus County California | 1 | $ 15,000 | $ 15,000 | $ 101,000 |
| Ventura County California | 1 | $ 85,000 | $ 85,000 | $ 132,000 |
| Yolo County California | 1 | $ 105,000 | $ 105,000 | $ 203,000 |
| New Castle County Delaware | 1 | $ 55,000 | $ 55,000 | $ 137,000 |
| Sussex County Delaware | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Alachua County Florida | 1 | $ 185,000 | $ 185,000 | $ 154,000 |
| Collier County Florida | 1 | $ 205,000 | $ 205,000 | $ 500,000 |
| Lake County Florida | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| Osceola County Florida | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Pasco County Florida | 1 | $ 15,000 | $ 15,000 | $ 110,000 |
| Volusia County Florida | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Walton County Florida | 1 | $ 205,000 | $ 205,000 | $ 219,000 |
| Bartow County Georgia | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Bulloch County Georgia | 1 | $ 55,000 | $ 55,000 | $ 153,000 |
| Chatham County Georgia | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Coweta County Georgia | 1 | $ 85,000 | $ 85,000 | $ 154,000 |
| Fayette County Georgia | 1 | $ 55,000 | $ 55,000 | $ 96,000 |
| Floyd County Georgia | 1 | $ 55,000 | $ 55,000 | $ 67,000 |
| Glynn County Georgia | 1 | $ 105,000 | $ 105,000 | $ 356,000 |
| Hall County Georgia | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Jasper County Georgia | 1 | $ 95,000 | $ 95,000 | $ 96,000 |
| Lowndes County Georgia | 1 | $ 25,000 | $ 25,000 | $ 205,000 |
| Monroe County Georgia | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Oconee County Georgia | 1 | $ 135,000 | $ 135,000 | $ 358,000 |
| Oglethorpe County Georgia | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Paulding County Georgia | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| Whitfield County Georgia | 1 | $ 35,000 | $ 35,000 | $ 179,000 |
| Cook County Illinois | 1 | $ 265,000 | $ 265,000 | $ 109,000 |
| Madison County Illinois | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Hamilton County Indiana | 1 | $ 5,000 | $ 5,000 | $ 40,000 |
| St. Joseph County Indiana | 1 | $ 75,000 | $ 75,000 | $ 185,000 |
| Baltimore City County Maryland | 1 | $ 55,000 | $ 55,000 | $ 148,000 |
| Calvert County Maryland | 1 | $ 75,000 | $ 75,000 | $ 305,000 |
| Howard County Maryland | 1 | $ 155,000 | $ 155,000 | $ 109,000 |
| Prince George's County Maryland | 1 | $ 65,000 | $ 65,000 | $ 109,000 |
| Washington County Maryland | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| Burlington County New Jersey | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Mercer County New Jersey | 1 | $ 695,000 | $ 695,000 | $ 196,000 |
| Middlesex County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 300,000 |
| Ocean County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Dutchess County New York | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Kings County New York | 1 | $ 105,000 | $ 105,000 | $ 276,000 |
| Monroe County New York | 1 | $ 145,000 | $ 145,000 | $ 108,000 |
| Nassau County New York | 1 | $ 105,000 | $ 105,000 | $ 223,000 |
| Ontario County New York | 1 | $ 215,000 | $ 215,000 | $ 172,000 |
| Suffolk County New York | 1 | $ 275,000 | $ 275,000 | $ 367,000 |
| Westchester County New York | 1 | $ 85,000 | $ 85,000 | $ 250,000 |
| Alleghany County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 337,000 |
| Beaufort County North Carolina | 1 | $ 495,000 | $ 495,000 | $ 179,000 |
| Bertie County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Cherokee County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Chowan County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 192,000 |
| Craven County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 103,000 |
| Currituck County North Carolina | 1 | $ 415,000 | $ 415,000 | $ 160,000 |
| Dare County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Macon County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 522,000 |
| McDowell County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Mitchell County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Northampton County North Carolina | 1 | $ 485,000 | $ 485,000 | $ 241,000 |
| Onslow County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Pamlico County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 34,000 |
| Person County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Robeson County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 143,000 |
| Sampson County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Tyrrell County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 31,000 |
| Warren County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Wilson County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 89,000 |
| Lake County Ohio | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| Adams County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 79,000 |
| Chester County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 144,000 |
| Cumberland County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 138,000 |
| Lancaster County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 228,000 |
| Philadelphia County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Pike County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Westmoreland County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 211,000 |
| Georgetown County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 481,000 |
| Greenville County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 352,000 |
| Laurens County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Davidson County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Shelby County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Fort Bend County Texas | 1 | $ 505,000 | $ 505,000 | $ 540,000 |
| Alexandria County Virginia | 1 | $ 75,000 | $ 75,000 | $ 150,000 |
| Augusta County Virginia | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Bedford County Virginia | 1 | $ 35,000 | $ 35,000 | $ 134,000 |
| Botetourt County Virginia | 1 | $ 35,000 | $ 35,000 | $ 95,000 |
| Clarke County Virginia | 1 | $ 215,000 | $ 215,000 | $ 804,000 |
| Henry County Virginia | 1 | $ 105,000 | $ 105,000 | $ 154,000 |
| Isle of Wight County Virginia | 1 | $ 85,000 | $ 85,000 | $ 215,000 |
| Martinsville County Virginia | 1 | $ 255,000 | $ 255,000 | $ 193,000 |
| Powhatan County Virginia | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Richmond City County Virginia | 1 | $ 245,000 | $ 245,000 | $ 133,000 |
| Spotsylvania County Virginia | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Stafford County Virginia | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Warren County Virginia | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Washington County Virginia | 1 | $ 1,015,000 | $ 1,015,000 | $ 0 |
| Kanawha County West Virginia | 1 | $ 215,000 | $ 215,000 | $ 197,000 |
| Mineral County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for Allegacy Federal Credit Union in 2020
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 | 2,300 | $368,920,000 | $160,000 | $1,185,000 | $132,000 | $2,814,000 |
| Home Improvement | 817 | $63,535,000 | $77,000 | $355,000 | $158,000 | $3,900,000 |
| Other Purpose | 788 | $55,540,000 | $70,000 | $355,000 | $138,000 | $1,812,000 |
| Home Purchase | 620 | $120,980,000 | $195,000 | $2,435,000 | $138,000 | $996,000 |
| Cash-out Refinancing | 332 | $75,340,000 | $226,000 | $765,000 | $117,000 | $1,500,000 |
| 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 | 3,237 | $455,335,000 | $140,000 | $1,485,000 | $129,000 | $2,814,000 |
| Not Provided | 1,021 | $136,895,000 | $134,000 | $765,000 | $178,000 | $3,900,000 |
| Black or African American | 364 | $45,860,000 | $125,000 | $725,000 | $98,000 | $752,000 |
| Hispanic | 110 | $15,580,000 | $141,000 | $745,000 | $104,000 | $996,000 |
| Asian | 79 | $12,855,000 | $162,000 | $755,000 | $132,000 | $1,463,000 |
| Not applicable | 25 | $14,165,000 | $566,000 | $2,435,000 | $0 | $0 |
| American Indian or Alaskan Native | 13 | $1,975,000 | $151,000 | $395,000 | $124,000 | $298,000 |
| 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) | 4,826 | $677,910,000 | $140,000 | $2,435,000 | $137,000 | $3,900,000 |
| VA-guaranteed (Veterans Administration) | 18 | $4,530,000 | $251,000 | $475,000 | $117,000 | $244,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,875,000 | $144,000 | $255,000 | $58,000 | $96,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 3,163 | $427,715,000 | $135,000 | $2,435,000 | $139,000 | $1,503,000 |
| Application Withdrawn By Applicant | 919 | $161,925,000 | $176,000 | $935,000 | $152,000 | $3,900,000 |
| Application Denied By Financial Institution | 557 | $68,945,000 | $123,000 | $925,000 | $98,000 | $1,082,000 |
| File Closed For Incompleteness | 204 | $24,250,000 | $118,000 | $745,000 | $144,000 | $1,480,000 |
| Application Approved But Not Accepted | 14 | $1,480,000 | $105,000 | $295,000 | $111,000 | $300,000 |
| 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 | 4,300 | $615,370,000 | $143,000 | $2,435,000 | $142,000 | $3,900,000 |
| Other | 193 | $25,795,000 | $133,000 | $925,000 | $121,000 | $1,082,000 |
| Debt-To-Income Ratio | 160 | $19,970,000 | $124,000 | $585,000 | $71,000 | $419,000 |
| Credit History | 107 | $13,135,000 | $122,000 | $695,000 | $91,000 | $444,000 |
| Collateral | 86 | $9,010,000 | $104,000 | $455,000 | $111,000 | $371,000 |
| Employment History | 8 | $660,000 | $82,000 | $145,000 | $69,000 | $101,000 |
| Unverifiable Information | 3 | $375,000 | $125,000 | $155,000 | $39,000 | $69,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Allegacy Federal Credit Union's 2020 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.