Allegacy Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Allegacy Federal Credit Union 2021 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 | 4,247 |
| Total Mortgage Loan Application Amount | $554,875,000 |
| Average Mortgage Loan Application Amount | $148,800 |
| Highest Mortgage Loan Application Amount | $2,025,000 |
| Average Applicant Income | $142,000 |
| Highest Applicant Income | $4,058,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 1,441 | $ 169,865,000 | $ 117,000 | $ 114,000 |
| Guilford County North Carolina | 341 | $ 49,415,000 | $ 144,000 | $ 156,000 |
| Davidson County North Carolina | 283 | $ 31,545,000 | $ 111,000 | $ 104,000 |
| Mecklenburg County North Carolina | 269 | $ 49,345,000 | $ 183,000 | $ 213,000 |
| Davie County North Carolina | 230 | $ 28,680,000 | $ 124,000 | $ 101,000 |
| Stokes County North Carolina | 211 | $ 23,635,000 | $ 112,000 | $ 83,000 |
| Surry County North Carolina | 142 | $ 15,470,000 | $ 108,000 | $ 100,000 |
| Yadkin County North Carolina | 118 | $ 13,270,000 | $ 112,000 | $ 95,000 |
| Wake County North Carolina | 111 | $ 16,575,000 | $ 149,000 | $ 183,000 |
| Union County North Carolina | 76 | $ 11,880,000 | $ 156,000 | $ 207,000 |
| Iredell County North Carolina | 63 | $ 8,495,000 | $ 134,000 | $ 159,000 |
| York County South Carolina | 44 | $ 5,690,000 | $ 129,000 | $ 189,000 |
| Randolph County North Carolina | 36 | $ 3,790,000 | $ 105,000 | $ 91,000 |
| Cobb County Georgia | 34 | $ 4,440,000 | $ 130,000 | $ 190,000 |
| Fulton County Georgia | 26 | $ 5,850,000 | $ 225,000 | $ 278,000 |
| Cabarrus County North Carolina | 26 | $ 2,250,000 | $ 86,000 | $ 127,000 |
| Rockingham County North Carolina | 26 | $ 3,080,000 | $ 118,000 | $ 94,000 |
| Rowan County North Carolina | 24 | $ 3,160,000 | $ 131,000 | $ 166,000 |
| Catawba County North Carolina | 22 | $ 2,860,000 | $ 130,000 | $ 121,000 |
| Forsyth County Georgia | 20 | $ 1,880,000 | $ 94,000 | $ 180,000 |
| Brunswick County North Carolina | 19 | $ 2,755,000 | $ 145,000 | $ 113,000 |
| Gwinnett County Georgia | 17 | $ 1,645,000 | $ 96,000 | $ 146,000 |
| Alamance County North Carolina | 17 | $ 1,545,000 | $ 90,000 | $ 115,000 |
| Durham County North Carolina | 16 | $ 4,610,000 | $ 288,000 | $ 182,000 |
| DeKalb County Georgia | 15 | $ 2,715,000 | $ 181,000 | $ 245,000 |
| Lincoln County North Carolina | 15 | $ 2,945,000 | $ 196,000 | $ 215,000 |
| Cherokee County Georgia | 14 | $ 1,560,000 | $ 111,000 | $ 178,000 |
| Patrick County Virginia | 13 | $ 1,135,000 | $ 87,000 | $ 85,000 |
| Los Angeles County California | 11 | $ 2,465,000 | $ 224,000 | $ 260,000 |
| Gaston County North Carolina | 11 | $ 1,175,000 | $ 106,000 | $ 239,000 |
| Wilkes County North Carolina | 11 | $ 1,375,000 | $ 125,000 | $ 115,000 |
| Orange County California | 10 | $ 1,930,000 | $ 193,000 | $ 342,000 |
| Broward County Florida | 10 | $ 1,200,000 | $ 120,000 | $ 257,000 |
| Morris County New Jersey | 10 | $ 1,550,000 | $ 155,000 | $ 134,000 |
| Buncombe County North Carolina | 10 | $ 1,550,000 | $ 155,000 | $ 99,000 |
| Johnston County North Carolina | 10 | $ 950,000 | $ 95,000 | $ 113,000 |
| Charleston County South Carolina | 10 | $ 1,600,000 | $ 160,000 | $ 185,000 |
| Lancaster County South Carolina | 10 | $ 1,380,000 | $ 138,000 | $ 143,000 |
| Fairfax County Virginia | 10 | $ 3,610,000 | $ 361,000 | $ 427,000 |
| Harnett County North Carolina | 9 | $ 955,000 | $ 106,000 | $ 91,000 |
| Berkeley County South Carolina | 9 | $ 975,000 | $ 108,000 | $ 160,000 |
| Palm Beach County Florida | 8 | $ 1,850,000 | $ 231,000 | $ 231,000 |
| Montgomery County Maryland | 8 | $ 1,850,000 | $ 231,000 | $ 427,000 |
| Bergen County New Jersey | 8 | $ 1,380,000 | $ 172,000 | $ 175,000 |
| Monmouth County New Jersey | 8 | $ 2,120,000 | $ 265,000 | $ 202,000 |
| New Hanover County North Carolina | 8 | $ 1,260,000 | $ 157,000 | $ 161,000 |
| Orange County North Carolina | 8 | $ 1,380,000 | $ 172,000 | $ 199,000 |
| Rutherford County North Carolina | 8 | $ 940,000 | $ 117,000 | $ 111,000 |
| Richland County South Carolina | 8 | $ 1,020,000 | $ 127,000 | $ 121,000 |
| Carroll County Virginia | 8 | $ 850,000 | $ 106,000 | $ 91,000 |
| Loudoun County Virginia | 8 | $ 1,670,000 | $ 208,000 | $ 201,000 |
| Chatham County North Carolina | 7 | $ 1,825,000 | $ 260,000 | $ 345,000 |
| Horry County South Carolina | 7 | $ 1,035,000 | $ 147,000 | $ 188,000 |
| Lee County Florida | 6 | $ 1,150,000 | $ 191,000 | $ 134,000 |
| Middlesex County New Jersey | 6 | $ 780,000 | $ 130,000 | $ 158,000 |
| Richmond County New York | 6 | $ 750,000 | $ 125,000 | $ 101,000 |
| Caldwell County North Carolina | 6 | $ 1,410,000 | $ 235,000 | $ 116,000 |
| Watauga County North Carolina | 6 | $ 1,860,000 | $ 310,000 | $ 220,000 |
| San Bernardino County California | 5 | $ 455,000 | $ 91,000 | $ 200,000 |
| District of Columbia County District Of Columbia | 5 | $ 825,000 | $ 165,000 | $ 381,000 |
| Chatham County Georgia | 5 | $ 345,000 | $ 69,000 | $ 174,000 |
| Paulding County Georgia | 5 | $ 465,000 | $ 93,000 | $ 142,000 |
| Ocean County New Jersey | 5 | $ 655,000 | $ 131,000 | $ 91,000 |
| Carteret County North Carolina | 5 | $ 1,325,000 | $ 265,000 | $ 132,000 |
| Franklin County North Carolina | 5 | $ 425,000 | $ 85,000 | $ 88,000 |
| Duval County Florida | 4 | $ 180,000 | $ 45,000 | $ 64,000 |
| Miami-Dade County Florida | 4 | $ 720,000 | $ 180,000 | $ 203,000 |
| Somerset County New Jersey | 4 | $ 430,000 | $ 107,000 | $ 513,000 |
| Westchester County New York | 4 | $ 270,000 | $ 67,000 | $ 152,000 |
| Henderson County North Carolina | 4 | $ 550,000 | $ 137,000 | $ 106,000 |
| Moore County North Carolina | 4 | $ 360,000 | $ 90,000 | $ 136,000 |
| Chesterfield County Virginia | 4 | $ 450,000 | $ 112,000 | $ 223,000 |
| Prince William County Virginia | 4 | $ 330,000 | $ 82,000 | $ 278,000 |
| Santa Clara County California | 3 | $ 895,000 | $ 298,000 | $ 155,000 |
| Yolo County California | 3 | $ 385,000 | $ 128,000 | $ 173,000 |
| Hillsborough County Florida | 3 | $ 495,000 | $ 165,000 | $ 201,000 |
| Pinellas County Florida | 3 | $ 375,000 | $ 125,000 | $ 120,000 |
| Sarasota County Florida | 3 | $ 445,000 | $ 148,000 | $ 112,000 |
| Seminole County Florida | 3 | $ 345,000 | $ 115,000 | $ 286,000 |
| St. Johns County Florida | 3 | $ 225,000 | $ 75,000 | $ 243,000 |
| Barrow County Georgia | 3 | $ 125,000 | $ 41,000 | $ 49,000 |
| Henry County Georgia | 3 | $ 195,000 | $ 65,000 | $ 131,000 |
| Walton County Georgia | 3 | $ 305,000 | $ 101,000 | $ 228,000 |
| Sussex County New Jersey | 3 | $ 655,000 | $ 218,000 | $ 268,000 |
| Stanly County North Carolina | 3 | $ 155,000 | $ 51,000 | $ 96,000 |
| Allegheny County Pennsylvania | 3 | $ 275,000 | $ 91,000 | $ 97,000 |
| Calhoun County South Carolina | 3 | $ 125,000 | $ 41,000 | $ 71,000 |
| Georgetown County South Carolina | 3 | $ 885,000 | $ 295,000 | $ 164,000 |
| Lexington County South Carolina | 3 | $ 235,000 | $ 78,000 | $ 209,000 |
| Arlington County Virginia | 3 | $ 815,000 | $ 271,000 | $ 301,000 |
| Fredericksburg County Virginia | 3 | $ 135,000 | $ 45,000 | $ 101,000 |
| Alameda County California | 2 | $ 160,000 | $ 80,000 | $ 153,000 |
| Riverside County California | 2 | $ 370,000 | $ 185,000 | $ 172,000 |
| San Diego County California | 2 | $ 340,000 | $ 170,000 | $ 342,000 |
| Brevard County Florida | 2 | $ 430,000 | $ 215,000 | $ 67,000 |
| Pasco County Florida | 2 | $ 110,000 | $ 55,000 | $ 101,000 |
| St. Lucie County Florida | 2 | $ 190,000 | $ 95,000 | $ 384,000 |
| Columbia County Georgia | 2 | $ 180,000 | $ 90,000 | $ 125,000 |
| Effingham County Georgia | 2 | $ 170,000 | $ 85,000 | $ 149,000 |
| Gilmer County Georgia | 2 | $ 420,000 | $ 210,000 | $ 385,000 |
| Hall County Georgia | 2 | $ 160,000 | $ 80,000 | $ 101,000 |
| Jackson County Georgia | 2 | $ 160,000 | $ 80,000 | $ 176,000 |
| Lumpkin County Georgia | 2 | $ 340,000 | $ 170,000 | $ 101,000 |
| Muscogee County Georgia | 2 | $ 330,000 | $ 165,000 | $ 188,000 |
| Newton County Georgia | 2 | $ 60,000 | $ 30,000 | $ 72,000 |
| Oconee County Georgia | 2 | $ 460,000 | $ 230,000 | $ 575,000 |
| Cook County Illinois | 2 | $ 200,000 | $ 100,000 | $ 151,000 |
| McHenry County Illinois | 2 | $ 310,000 | $ 155,000 | $ 307,000 |
| Baltimore County Maryland | 2 | $ 190,000 | $ 95,000 | $ 100,000 |
| Charles County Maryland | 2 | $ 280,000 | $ 140,000 | $ 106,000 |
| Essex County New Jersey | 2 | $ 530,000 | $ 265,000 | $ 144,000 |
| Union County New Jersey | 2 | $ 530,000 | $ 265,000 | $ 534,000 |
| Oneida County New York | 2 | $ 280,000 | $ 140,000 | $ 196,000 |
| Queens County New York | 2 | $ 170,000 | $ 85,000 | $ 165,000 |
| Suffolk County New York | 2 | $ 150,000 | $ 75,000 | $ 166,000 |
| Alleghany County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 52,000 |
| Ashe County North Carolina | 2 | $ 260,000 | $ 130,000 | $ 68,000 |
| Burke County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 158,000 |
| Chowan County North Carolina | 2 | $ 60,000 | $ 30,000 | $ 27,000 |
| Cleveland County North Carolina | 2 | $ 440,000 | $ 220,000 | $ 2,100,000 |
| Haywood County North Carolina | 2 | $ 150,000 | $ 75,000 | $ 53,000 |
| Pasquotank County North Carolina | 2 | $ 230,000 | $ 115,000 | $ 325,000 |
| Robeson County North Carolina | 2 | $ 100,000 | $ 50,000 | $ 142,000 |
| Wilson County North Carolina | 2 | $ 160,000 | $ 80,000 | $ 92,000 |
| Bucks County Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 165,000 |
| Philadelphia County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 191,000 |
| Beaufort County South Carolina | 2 | $ 150,000 | $ 75,000 | $ 95,000 |
| Greenville County South Carolina | 2 | $ 140,000 | $ 70,000 | $ 154,000 |
| Albemarle County Virginia | 2 | $ 200,000 | $ 100,000 | $ 199,000 |
| Fauquier County Virginia | 2 | $ 760,000 | $ 380,000 | $ 303,000 |
| Galax County Virginia | 2 | $ 140,000 | $ 70,000 | $ 52,000 |
| Martinsville County Virginia | 2 | $ 180,000 | $ 90,000 | $ 143,000 |
| Norfolk County Virginia | 2 | $ 140,000 | $ 70,000 | $ 96,000 |
| Roanoke County Virginia | 2 | $ 110,000 | $ 55,000 | $ 129,000 |
| Virginia Beach County Virginia | 2 | $ 910,000 | $ 455,000 | $ 220,000 |
| Jefferson County Alabama | 1 | $ 85,000 | $ 85,000 | $ 210,000 |
| Yuma County Arizona | 1 | $ 115,000 | $ 115,000 | $ 91,000 |
| Marin County California | 1 | $ 105,000 | $ 105,000 | $ 290,000 |
| San Joaquin County California | 1 | $ 125,000 | $ 125,000 | $ 145,000 |
| Santa Barbara County California | 1 | $ 285,000 | $ 285,000 | $ 297,000 |
| Douglas County Colorado | 1 | $ 355,000 | $ 355,000 | $ 176,000 |
| El Paso County Colorado | 1 | $ 85,000 | $ 85,000 | $ 360,000 |
| New Haven County Connecticut | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| New Castle County Delaware | 1 | $ 155,000 | $ 155,000 | $ 127,000 |
| Sussex County Delaware | 1 | $ 355,000 | $ 355,000 | $ 960,000 |
| Alachua County Florida | 1 | $ 65,000 | $ 65,000 | $ 128,000 |
| Escambia County Florida | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Flagler County Florida | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Lake County Florida | 1 | $ 345,000 | $ 345,000 | $ 147,000 |
| Manatee County Florida | 1 | $ 85,000 | $ 85,000 | $ 157,000 |
| Marion County Florida | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Orange County Florida | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| Polk County Florida | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Sumter County Florida | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Bartow County Georgia | 1 | $ 75,000 | $ 75,000 | $ 128,000 |
| Clayton County Georgia | 1 | $ 75,000 | $ 75,000 | $ 231,000 |
| Coweta County Georgia | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Dawson County Georgia | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Douglas County Georgia | 1 | $ 105,000 | $ 105,000 | $ 211,000 |
| Fayette County Georgia | 1 | $ 155,000 | $ 155,000 | $ 262,000 |
| Glynn County Georgia | 1 | $ 35,000 | $ 35,000 | $ 135,000 |
| Greene County Georgia | 1 | $ 105,000 | $ 105,000 | $ 451,000 |
| Jasper County Georgia | 1 | $ 125,000 | $ 125,000 | $ 108,000 |
| Liberty County Georgia | 1 | $ 95,000 | $ 95,000 | $ 109,000 |
| Monroe County Georgia | 1 | $ 85,000 | $ 85,000 | $ 108,000 |
| Morgan County Georgia | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Rockdale County Georgia | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Spalding County Georgia | 1 | $ 35,000 | $ 35,000 | $ 194,000 |
| Tift County Georgia | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Whitfield County Georgia | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| DuPage County Illinois | 1 | $ 215,000 | $ 215,000 | $ 336,000 |
| Madison County Illinois | 1 | $ 225,000 | $ 225,000 | $ 108,000 |
| Dearborn County Indiana | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Baltimore City County Maryland | 1 | $ 45,000 | $ 45,000 | $ 113,000 |
| Harford County Maryland | 1 | $ 115,000 | $ 115,000 | $ 123,000 |
| Prince George's County Maryland | 1 | $ 135,000 | $ 135,000 | $ 145,000 |
| Washington County Maryland | 1 | $ 75,000 | $ 75,000 | $ 203,000 |
| Ottawa County Michigan | 1 | $ 305,000 | $ 305,000 | $ 200,000 |
| St. Charles County Missouri | 1 | $ 35,000 | $ 35,000 | $ 127,000 |
| Cape May County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 544,000 |
| Hudson County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Hunterdon County New Jersey | 1 | $ 185,000 | $ 185,000 | $ 144,000 |
| Passaic County New Jersey | 1 | $ 245,000 | $ 245,000 | $ 210,000 |
| Warren County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 145,000 |
| Dutchess County New York | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Erie County New York | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
| Monroe County New York | 1 | $ 235,000 | $ 235,000 | $ 220,000 |
| Alexander County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 130,000 |
| Craven County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 104,000 |
| Cumberland County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 190,000 |
| Currituck County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| Gates County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Nash County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 233,000 |
| Onslow County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Pender County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 146,000 |
| Perquimans County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Person County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Polk County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 126,000 |
| Warren County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 229,000 |
| Wayne County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 201,000 |
| Fairfield County Ohio | 1 | $ 55,000 | $ 55,000 | $ 165,000 |
| Franklin County Ohio | 1 | $ 155,000 | $ 155,000 | $ 211,000 |
| Adams County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 159,000 |
| Armstrong County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Berks County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 121,000 |
| Butler County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| Dauphin County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 230,000 |
| Erie County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 177,000 |
| Franklin County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 83,000 |
| Lackawanna County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Lancaster County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Mercer County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 90,000 |
| Montgomery County Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 240,000 |
| Northampton County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 139,000 |
| Pike County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 150,000 |
| Washington County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 132,000 |
| Wayne County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 150,000 |
| Westmoreland County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 121,000 |
| York County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Anderson County South Carolina | 1 | $ 325,000 | $ 325,000 | $ 1,380,000 |
| Chester County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Clarendon County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Greenwood County South Carolina | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Spartanburg County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Madison County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 983,000 |
| Bexar County Texas | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Denton County Texas | 1 | $ 75,000 | $ 75,000 | $ 474,000 |
| Alexandria County Virginia | 1 | $ 55,000 | $ 55,000 | $ 152,000 |
| Augusta County Virginia | 1 | $ 45,000 | $ 45,000 | $ 128,000 |
| Campbell County Virginia | 1 | $ 105,000 | $ 105,000 | $ 249,000 |
| Caroline County Virginia | 1 | $ 95,000 | $ 95,000 | $ 152,000 |
| Dinwiddie County Virginia | 1 | $ 15,000 | $ 15,000 | $ 100,000 |
| Goochland County Virginia | 1 | $ 185,000 | $ 185,000 | $ 301,000 |
| Hanover County Virginia | 1 | $ 155,000 | $ 155,000 | $ 370,000 |
| Henrico County Virginia | 1 | $ 85,000 | $ 85,000 | $ 201,000 |
| Henry County Virginia | 1 | $ 55,000 | $ 55,000 | $ 210,000 |
| Mecklenburg County Virginia | 1 | $ 95,000 | $ 95,000 | $ 182,000 |
| Montgomery County Virginia | 1 | $ 345,000 | $ 345,000 | $ 310,000 |
| Orange County Virginia | 1 | $ 25,000 | $ 25,000 | $ 116,000 |
| Pulaski County Virginia | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
| Roanoke City County Virginia | 1 | $ 115,000 | $ 115,000 | $ 345,000 |
| Shenandoah County Virginia | 1 | $ 235,000 | $ 235,000 | $ 71,000 |
| Spotsylvania County Virginia | 1 | $ 65,000 | $ 65,000 | $ 138,000 |
| Stafford County Virginia | 1 | $ 95,000 | $ 95,000 | $ 134,000 |
| York County Virginia | 1 | $ 55,000 | $ 55,000 | $ 216,000 |
| Fayette County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Kanawha County West Virginia | 1 | $ 295,000 | $ 295,000 | $ 619,000 |
| Mercer County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Monongalia County West Virginia | 1 | $ 225,000 | $ 225,000 | $ 268,000 |
Mortgage Loan Application Detail Totals for Allegacy Federal Credit Union in 2021
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 | 1,819 | $270,255,000 | $148,000 | $1,315,000 | $125,000 | $1,500,000 |
| Home Improvement | 1,047 | $94,035,000 | $89,000 | $1,625,000 | $150,000 | $1,500,000 |
| Other Purpose | 788 | $67,550,000 | $85,000 | $355,000 | $150,000 | $1,205,000 |
| Home Purchase | 383 | $75,785,000 | $197,000 | $2,025,000 | $146,000 | $1,416,000 |
| Cash-out Refinancing | 210 | $47,250,000 | $225,000 | $825,000 | $139,000 | $4,058,000 |
| 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 | 2,807 | $360,825,000 | $128,000 | $1,315,000 | $134,000 | $4,058,000 |
| Not Provided | 888 | $115,410,000 | $129,000 | $1,245,000 | $166,000 | $1,500,000 |
| Black or African American | 308 | $35,770,000 | $116,000 | $1,625,000 | $102,000 | $1,415,000 |
| Hispanic | 145 | $19,765,000 | $136,000 | $1,015,000 | $108,000 | $526,000 |
| Asian | 69 | $12,005,000 | $173,000 | $405,000 | $172,000 | $960,000 |
| Not applicable | 14 | $9,080,000 | $648,000 | $2,025,000 | $0 | $0 |
| American Indian or Alaskan Native | 9 | $1,295,000 | $143,000 | $325,000 | $99,000 | $191,000 |
| 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) | 4,241 | $553,805,000 | $130,000 | $2,025,000 | $138,000 | $4,058,000 |
| VA-guaranteed (Veterans Administration) | 3 | $565,000 | $188,000 | $315,000 | $87,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $310,000 | $155,000 | $155,000 | $50,000 | $50,000 |
| FHA-insured (Federal Housing Administration) | 1 | $195,000 | $195,000 | $195,000 | $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 | 2,953 | $377,235,000 | $127,000 | $2,025,000 | $140,000 | $1,205,000 |
| Application Withdrawn By Applicant | 665 | $100,775,000 | $151,000 | $1,245,000 | $152,000 | $4,058,000 |
| Application Denied By Financial Institution | 442 | $53,120,000 | $120,000 | $1,625,000 | $107,000 | $1,415,000 |
| File Closed For Incompleteness | 165 | $20,875,000 | $126,000 | $985,000 | $138,000 | $960,000 |
| Application Approved But Not Accepted | 22 | $2,870,000 | $130,000 | $345,000 | $141,000 | $393,000 |
| 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 | 3,805 | $501,755,000 | $131,000 | $2,025,000 | $142,000 | $4,058,000 |
| Debt-To-Income Ratio | 158 | $19,010,000 | $120,000 | $685,000 | $77,000 | $483,000 |
| Other | 106 | $15,560,000 | $146,000 | $1,625,000 | $129,000 | $1,415,000 |
| Credit History | 103 | $9,875,000 | $95,000 | $355,000 | $118,000 | $1,140,000 |
| Collateral | 56 | $6,310,000 | $112,000 | $485,000 | $145,000 | $983,000 |
| Unverifiable Information | 13 | $1,375,000 | $105,000 | $295,000 | $78,000 | $307,000 |
| Employment History | 4 | $650,000 | $162,000 | $325,000 | $43,000 | $95,000 |
| Credit Application Incomplete | 2 | $340,000 | $170,000 | $185,000 | $40,000 | $42,000 |
| 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 2021 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.