Allegacy Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Allegacy Federal Credit Union 2022 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 | 4,023 |
| Total Mortgage Loan Application Amount | $546,485,000 |
| Average Mortgage Loan Application Amount | $162,200 |
| Highest Mortgage Loan Application Amount | $2,955,000 |
| Average Applicant Income | $137,600 |
| Highest Applicant Income | $1,751,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 1,316 | $ 164,330,000 | $ 124,000 | $ 116,000 |
| Guilford County North Carolina | 319 | $ 41,115,000 | $ 128,000 | $ 137,000 |
| Mecklenburg County North Carolina | 287 | $ 56,575,000 | $ 197,000 | $ 233,000 |
| Davidson County North Carolina | 240 | $ 26,280,000 | $ 109,000 | $ 133,000 |
| Davie County North Carolina | 209 | $ 26,655,000 | $ 127,000 | $ 123,000 |
| Stokes County North Carolina | 185 | $ 17,635,000 | $ 95,000 | $ 88,000 |
| Surry County North Carolina | 136 | $ 13,020,000 | $ 95,000 | $ 105,000 |
| Wake County North Carolina | 103 | $ 16,945,000 | $ 164,000 | $ 202,000 |
| Yadkin County North Carolina | 91 | $ 10,015,000 | $ 110,000 | $ 81,000 |
| Union County North Carolina | 84 | $ 16,290,000 | $ 193,000 | $ 233,000 |
| Iredell County North Carolina | 67 | $ 11,195,000 | $ 167,000 | $ 211,000 |
| Cabarrus County North Carolina | 37 | $ 4,915,000 | $ 132,000 | $ 136,000 |
| Rockingham County North Carolina | 33 | $ 3,075,000 | $ 93,000 | $ 110,000 |
| York County South Carolina | 32 | $ 5,240,000 | $ 163,000 | $ 227,000 |
| Randolph County North Carolina | 29 | $ 3,435,000 | $ 118,000 | $ 96,000 |
| Cobb County Georgia | 26 | $ 2,850,000 | $ 109,000 | $ 129,000 |
| Rowan County North Carolina | 26 | $ 3,170,000 | $ 121,000 | $ 130,000 |
| Gaston County North Carolina | 25 | $ 4,095,000 | $ 163,000 | $ 139,000 |
| Cherokee County Georgia | 21 | $ 2,755,000 | $ 131,000 | $ 199,000 |
| Fulton County Georgia | 21 | $ 4,065,000 | $ 193,000 | $ 201,000 |
| Alamance County North Carolina | 21 | $ 3,125,000 | $ 148,000 | $ 113,000 |
| Brunswick County North Carolina | 21 | $ 3,275,000 | $ 155,000 | $ 118,000 |
| Broward County Florida | 18 | $ 3,590,000 | $ 199,000 | $ 249,000 |
| Catawba County North Carolina | 18 | $ 2,170,000 | $ 120,000 | $ 151,000 |
| Durham County North Carolina | 18 | $ 5,340,000 | $ 296,000 | $ 241,000 |
| Chatham County North Carolina | 16 | $ 4,060,000 | $ 253,000 | $ 302,000 |
| Lincoln County North Carolina | 16 | $ 1,780,000 | $ 111,000 | $ 136,000 |
| Charleston County South Carolina | 15 | $ 3,385,000 | $ 225,000 | $ 254,000 |
| Morris County New Jersey | 14 | $ 2,770,000 | $ 197,000 | $ 162,000 |
| Johnston County North Carolina | 14 | $ 1,380,000 | $ 98,000 | $ 125,000 |
| Lancaster County South Carolina | 14 | $ 2,050,000 | $ 146,000 | $ 183,000 |
| Orange County California | 13 | $ 3,945,000 | $ 303,000 | $ 493,000 |
| Forsyth County Georgia | 13 | $ 2,015,000 | $ 155,000 | $ 211,000 |
| Fairfax County Virginia | 13 | $ 3,845,000 | $ 295,000 | $ 282,000 |
| DeKalb County Georgia | 12 | $ 1,450,000 | $ 120,000 | $ 270,000 |
| Gwinnett County Georgia | 12 | $ 1,810,000 | $ 150,000 | $ 302,000 |
| Caldwell County North Carolina | 12 | $ 1,450,000 | $ 120,000 | $ 143,000 |
| Moore County North Carolina | 12 | $ 2,030,000 | $ 169,000 | $ 145,000 |
| New Hanover County North Carolina | 12 | $ 2,700,000 | $ 225,000 | $ 150,000 |
| Orange County North Carolina | 10 | $ 1,050,000 | $ 105,000 | $ 179,000 |
| Wilkes County North Carolina | 10 | $ 1,930,000 | $ 193,000 | $ 118,000 |
| Riverside County California | 9 | $ 1,215,000 | $ 135,000 | $ 210,000 |
| Kings County New York | 9 | $ 2,965,000 | $ 329,000 | $ 175,000 |
| Cumberland County North Carolina | 8 | $ 820,000 | $ 102,000 | $ 140,000 |
| Pitt County North Carolina | 8 | $ 610,000 | $ 76,000 | $ 134,000 |
| San Diego County California | 7 | $ 1,285,000 | $ 183,000 | $ 261,000 |
| Monmouth County New Jersey | 7 | $ 445,000 | $ 63,000 | $ 146,000 |
| Alexander County North Carolina | 7 | $ 845,000 | $ 120,000 | $ 117,000 |
| Horry County South Carolina | 7 | $ 1,015,000 | $ 145,000 | $ 165,000 |
| Spartanburg County South Carolina | 7 | $ 925,000 | $ 132,000 | $ 137,000 |
| Brevard County Florida | 6 | $ 1,000,000 | $ 166,000 | $ 158,000 |
| Miami-Dade County Florida | 6 | $ 1,140,000 | $ 190,000 | $ 216,000 |
| Bergen County New Jersey | 6 | $ 730,000 | $ 121,000 | $ 243,000 |
| Buncombe County North Carolina | 6 | $ 1,440,000 | $ 240,000 | $ 146,000 |
| Cleveland County North Carolina | 6 | $ 720,000 | $ 120,000 | $ 182,000 |
| Patrick County Virginia | 6 | $ 430,000 | $ 71,000 | $ 45,000 |
| Palm Beach County Florida | 5 | $ 985,000 | $ 197,000 | $ 226,000 |
| Carteret County North Carolina | 5 | $ 315,000 | $ 63,000 | $ 99,000 |
| Watauga County North Carolina | 5 | $ 1,545,000 | $ 309,000 | $ 209,000 |
| Berkeley County South Carolina | 5 | $ 635,000 | $ 127,000 | $ 169,000 |
| Richland County South Carolina | 5 | $ 465,000 | $ 93,000 | $ 158,000 |
| Carroll County Virginia | 5 | $ 605,000 | $ 121,000 | $ 113,000 |
| Fauquier County Virginia | 5 | $ 905,000 | $ 181,000 | $ 131,000 |
| Fairfield County Connecticut | 4 | $ 350,000 | $ 87,000 | $ 200,000 |
| Fayette County Georgia | 4 | $ 170,000 | $ 42,000 | $ 158,000 |
| Walton County Georgia | 4 | $ 470,000 | $ 117,000 | $ 199,000 |
| Cook County Illinois | 4 | $ 370,000 | $ 92,000 | $ 191,000 |
| Anne Arundel County Maryland | 4 | $ 440,000 | $ 110,000 | $ 341,000 |
| Middlesex County New Jersey | 4 | $ 390,000 | $ 97,000 | $ 198,000 |
| Union County New Jersey | 4 | $ 1,380,000 | $ 345,000 | $ 390,000 |
| Richmond County New York | 4 | $ 430,000 | $ 107,000 | $ 89,000 |
| Suffolk County New York | 4 | $ 610,000 | $ 152,000 | $ 172,000 |
| Harnett County North Carolina | 4 | $ 260,000 | $ 65,000 | $ 50,000 |
| Haywood County North Carolina | 4 | $ 670,000 | $ 167,000 | $ 97,000 |
| Beaufort County South Carolina | 4 | $ 620,000 | $ 155,000 | $ 286,000 |
| Loudoun County Virginia | 4 | $ 570,000 | $ 142,000 | $ 151,000 |
| Clay County Florida | 3 | $ 75,000 | $ 25,000 | $ 85,000 |
| Lee County Florida | 3 | $ 315,000 | $ 105,000 | $ 200,000 |
| Orange County Florida | 3 | $ 1,005,000 | $ 335,000 | $ 181,000 |
| Pinellas County Florida | 3 | $ 265,000 | $ 88,000 | $ 71,000 |
| Sarasota County Florida | 3 | $ 225,000 | $ 75,000 | $ 78,000 |
| Bartow County Georgia | 3 | $ 185,000 | $ 61,000 | $ 115,000 |
| Columbia County Georgia | 3 | $ 815,000 | $ 271,000 | $ 106,000 |
| Oconee County Georgia | 3 | $ 735,000 | $ 245,000 | $ 404,000 |
| Montgomery County Maryland | 3 | $ 215,000 | $ 71,000 | $ 252,000 |
| Queens County New York | 3 | $ 235,000 | $ 78,000 | $ 477,000 |
| Beaufort County North Carolina | 3 | $ 445,000 | $ 148,000 | $ 83,000 |
| Franklin County North Carolina | 3 | $ 265,000 | $ 88,000 | $ 138,000 |
| Richmond County North Carolina | 3 | $ 175,000 | $ 58,000 | $ 62,000 |
| Rutherford County North Carolina | 3 | $ 275,000 | $ 91,000 | $ 77,000 |
| Stanly County North Carolina | 3 | $ 275,000 | $ 91,000 | $ 107,000 |
| Montgomery County Pennsylvania | 3 | $ 845,000 | $ 281,000 | $ 171,000 |
| Greenville County South Carolina | 3 | $ 385,000 | $ 128,000 | $ 250,000 |
| Chesterfield County Virginia | 3 | $ 205,000 | $ 68,000 | $ 105,000 |
| James City County Virginia | 3 | $ 695,000 | $ 231,000 | $ 105,000 |
| Prince William County Virginia | 3 | $ 605,000 | $ 201,000 | $ 311,000 |
| Los Angeles County California | 2 | $ 630,000 | $ 315,000 | $ 613,000 |
| District of Columbia County District Of Columbia | 2 | $ 360,000 | $ 180,000 | $ 423,000 |
| Bay County Florida | 2 | $ 690,000 | $ 345,000 | $ 220,000 |
| Citrus County Florida | 2 | $ 320,000 | $ 160,000 | $ 52,000 |
| Duval County Florida | 2 | $ 160,000 | $ 80,000 | $ 59,000 |
| Hillsborough County Florida | 2 | $ 410,000 | $ 205,000 | $ 281,000 |
| Lake County Florida | 2 | $ 260,000 | $ 130,000 | $ 273,000 |
| Seminole County Florida | 2 | $ 120,000 | $ 60,000 | $ 94,000 |
| St. Lucie County Florida | 2 | $ 190,000 | $ 95,000 | $ 100,000 |
| Banks County Georgia | 2 | $ 60,000 | $ 30,000 | $ 84,000 |
| Barrow County Georgia | 2 | $ 230,000 | $ 115,000 | $ 303,000 |
| Clarke County Georgia | 2 | $ 330,000 | $ 165,000 | $ 481,000 |
| Douglas County Georgia | 2 | $ 210,000 | $ 105,000 | $ 189,000 |
| Heard County Georgia | 2 | $ 180,000 | $ 90,000 | $ 145,000 |
| Paulding County Georgia | 2 | $ 110,000 | $ 55,000 | $ 81,000 |
| Peach County Georgia | 2 | $ 40,000 | $ 20,000 | $ 55,000 |
| Rockdale County Georgia | 2 | $ 110,000 | $ 55,000 | $ 143,000 |
| DuPage County Illinois | 2 | $ 50,000 | $ 25,000 | $ 81,000 |
| Baltimore City County Maryland | 2 | $ 120,000 | $ 60,000 | $ 138,000 |
| Carroll County Maryland | 2 | $ 110,000 | $ 55,000 | $ 117,000 |
| Prince George's County Maryland | 2 | $ 50,000 | $ 25,000 | $ 147,000 |
| Essex County New Jersey | 2 | $ 130,000 | $ 65,000 | $ 142,000 |
| Gloucester County New Jersey | 2 | $ 280,000 | $ 140,000 | $ 89,000 |
| Ocean County New Jersey | 2 | $ 270,000 | $ 135,000 | $ 133,000 |
| Somerset County New Jersey | 2 | $ 170,000 | $ 85,000 | $ 124,000 |
| Bronx County New York | 2 | $ 330,000 | $ 165,000 | $ 142,000 |
| Erie County New York | 2 | $ 170,000 | $ 85,000 | $ 48,000 |
| Onondaga County New York | 2 | $ 110,000 | $ 55,000 | $ 178,000 |
| Orange County New York | 2 | $ 360,000 | $ 180,000 | $ 422,000 |
| Westchester County New York | 2 | $ 180,000 | $ 90,000 | $ 254,000 |
| Anson County North Carolina | 2 | $ 150,000 | $ 75,000 | $ 74,000 |
| Burke County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 158,000 |
| Granville County North Carolina | 2 | $ 80,000 | $ 40,000 | $ 133,000 |
| Hoke County North Carolina | 2 | $ 60,000 | $ 30,000 | $ 52,000 |
| Montgomery County North Carolina | 2 | $ 60,000 | $ 30,000 | $ 137,000 |
| Pasquotank County North Carolina | 2 | $ 440,000 | $ 220,000 | $ 84,000 |
| Pender County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 267,000 |
| Perquimans County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 96,000 |
| Dauphin County Pennsylvania | 2 | $ 170,000 | $ 85,000 | $ 156,000 |
| Franklin County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 123,000 |
| Philadelphia County Pennsylvania | 2 | $ 120,000 | $ 60,000 | $ 106,000 |
| Washington County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 167,000 |
| Georgetown County South Carolina | 2 | $ 310,000 | $ 155,000 | $ 167,000 |
| Lexington County South Carolina | 2 | $ 140,000 | $ 70,000 | $ 84,000 |
| Pickens County South Carolina | 2 | $ 410,000 | $ 205,000 | $ 179,000 |
| Collin County Texas | 2 | $ 1,000,000 | $ 500,000 | $ 303,000 |
| Tarrant County Texas | 2 | $ 30,000 | $ 15,000 | $ 82,000 |
| Williamson County Texas | 2 | $ 480,000 | $ 240,000 | $ 141,000 |
| Alexandria County Virginia | 2 | $ 440,000 | $ 220,000 | $ 153,000 |
| Galax County Virginia | 2 | $ 130,000 | $ 65,000 | $ 21,000 |
| Roanoke City County Virginia | 2 | $ 230,000 | $ 115,000 | $ 117,000 |
| Morgan County Alabama | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Alameda County California | 1 | $ 215,000 | $ 215,000 | $ 265,000 |
| Kern County California | 1 | $ 355,000 | $ 355,000 | $ 100,000 |
| San Joaquin County California | 1 | $ 55,000 | $ 55,000 | $ 233,000 |
| Santa Clara County California | 1 | $ 755,000 | $ 755,000 | $ 840,000 |
| Ventura County California | 1 | $ 55,000 | $ 55,000 | $ 131,000 |
| New Haven County Connecticut | 1 | $ 55,000 | $ 55,000 | $ 162,000 |
| New London County Connecticut | 1 | $ 255,000 | $ 255,000 | $ 300,000 |
| Leon County Florida | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Martin County Florida | 1 | $ 105,000 | $ 105,000 | $ 200,000 |
| Monroe County Florida | 1 | $ 305,000 | $ 305,000 | $ 156,000 |
| Pasco County Florida | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| Polk County Florida | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Floyd County Georgia | 1 | $ 55,000 | $ 55,000 | $ 96,000 |
| Glynn County Georgia | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Haralson County Georgia | 1 | $ 55,000 | $ 55,000 | $ 129,000 |
| Henry County Georgia | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Houston County Georgia | 1 | $ 25,000 | $ 25,000 | $ 69,000 |
| Lowndes County Georgia | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
| Lumpkin County Georgia | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Meriwether County Georgia | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Newton County Georgia | 1 | $ 115,000 | $ 115,000 | $ 170,000 |
| Oglethorpe County Georgia | 1 | $ 165,000 | $ 165,000 | $ 142,000 |
| Pickens County Georgia | 1 | $ 55,000 | $ 55,000 | $ 179,000 |
| Polk County Georgia | 1 | $ 35,000 | $ 35,000 | $ 144,000 |
| Rabun County Georgia | 1 | $ 105,000 | $ 105,000 | $ 322,000 |
| Ware County Georgia | 1 | $ 75,000 | $ 75,000 | $ 322,000 |
| Fountain County Indiana | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Grant County Indiana | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Hendricks County Indiana | 1 | $ 45,000 | $ 45,000 | $ 117,000 |
| Marion County Indiana | 1 | $ 435,000 | $ 435,000 | $ 109,000 |
| Baltimore County Maryland | 1 | $ 45,000 | $ 45,000 | $ 139,000 |
| Frederick County Maryland | 1 | $ 355,000 | $ 355,000 | $ 264,000 |
| Howard County Maryland | 1 | $ 335,000 | $ 335,000 | $ 69,000 |
| Washington County Maryland | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| Dakota County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 145,000 |
| Camden County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 158,000 |
| Hunterdon County New Jersey | 1 | $ 395,000 | $ 395,000 | $ 170,000 |
| Sussex County New Jersey | 1 | $ 145,000 | $ 145,000 | $ 135,000 |
| Chemung County New York | 1 | $ 75,000 | $ 75,000 | $ 113,000 |
| Nassau County New York | 1 | $ 275,000 | $ 275,000 | $ 228,000 |
| Rockland County New York | 1 | $ 35,000 | $ 35,000 | $ 84,000 |
| Avery County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Bladen County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 187,000 |
| Caswell County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 91,000 |
| Craven County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Currituck County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 107,000 |
| Duplin County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Henderson County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Hyde County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 328,000 |
| Nash County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Onslow County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 93,000 |
| Pamlico County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 150,000 |
| Person County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| Vance County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 260,000 |
| Adams County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
| Allegheny County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 125,000 |
| Berks County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 153,000 |
| Chester County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 101,000 |
| Delaware County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| Luzerne County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 146,000 |
| Monroe County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 56,000 |
| Tioga County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 260,000 |
| York County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 93,000 |
| Dorchester County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 160,000 |
| Kershaw County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 83,000 |
| Union County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Hamilton County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| Dallas County Texas | 1 | $ 365,000 | $ 365,000 | $ 162,000 |
| Denton County Texas | 1 | $ 255,000 | $ 255,000 | $ 220,000 |
| Travis County Texas | 1 | $ 55,000 | $ 55,000 | $ 183,000 |
| Utah County Utah | 1 | $ 155,000 | $ 155,000 | $ 172,000 |
| Bedford County Virginia | 1 | $ 45,000 | $ 45,000 | $ 76,000 |
| Pittsylvania County Virginia | 1 | $ 75,000 | $ 75,000 | $ 123,000 |
| Richmond City County Virginia | 1 | $ 55,000 | $ 55,000 | $ 396,000 |
| Roanoke County Virginia | 1 | $ 65,000 | $ 65,000 | $ 238,000 |
| Virginia Beach County Virginia | 1 | $ 25,000 | $ 25,000 | $ 154,000 |
| Wood County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for Allegacy Federal Credit Union in 2022
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 1,368 | $143,390,000 | $104,000 | $515,000 | $153,000 | $1,635,000 |
| Refinancing | 1,213 | $198,985,000 | $164,000 | $2,955,000 | $141,000 | $1,637,000 |
| Other Purpose | 936 | $92,070,000 | $98,000 | $505,000 | $143,000 | $1,751,000 |
| Home Purchase | 399 | $87,915,000 | $220,000 | $1,165,000 | $148,000 | $824,000 |
| Cash-out Refinancing | 107 | $24,125,000 | $225,000 | $1,165,000 | $103,000 | $344,000 |
| 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 | 2,579 | $340,805,000 | $132,000 | $1,165,000 | $142,000 | $1,684,000 |
| Not Provided | 841 | $119,125,000 | $141,000 | $725,000 | $173,000 | $1,751,000 |
| Black or African American | 369 | $44,385,000 | $120,000 | $1,045,000 | $110,000 | $739,000 |
| Hispanic | 151 | $21,115,000 | $139,000 | $795,000 | $107,000 | $1,020,000 |
| Asian | 71 | $14,555,000 | $205,000 | $755,000 | $192,000 | $840,000 |
| American Indian or Alaskan Native | 6 | $580,000 | $96,000 | $295,000 | $60,000 | $140,000 |
| Not applicable | 5 | $5,735,000 | $1,147,000 | $2,955,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $123,000 | $123,000 |
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) | 4,021 | $545,925,000 | $135,000 | $2,955,000 | $145,000 | $1,751,000 |
| FHA-insured (Federal Housing Administration) | 1 | $425,000 | $425,000 | $425,000 | $182,000 | $182,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $135,000 | $135,000 | $135,000 | $75,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 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 | 2,571 | $358,865,000 | $139,000 | $2,955,000 | $148,000 | $1,684,000 |
| Application Withdrawn By Applicant | 619 | $88,265,000 | $142,000 | $1,165,000 | $157,000 | $1,584,000 |
| Application Denied By Financial Institution | 566 | $70,160,000 | $123,000 | $1,165,000 | $117,000 | $1,684,000 |
| File Closed For Incompleteness | 234 | $25,430,000 | $108,000 | $755,000 | $157,000 | $1,751,000 |
| Application Approved But Not Accepted | 33 | $3,765,000 | $114,000 | $255,000 | $127,000 | $739,000 |
| 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 | 3,457 | $476,325,000 | $137,000 | $2,955,000 | $150,000 | $1,751,000 |
| Debt-To-Income Ratio | 207 | $23,755,000 | $114,000 | $625,000 | $80,000 | $394,000 |
| Other | 150 | $20,640,000 | $137,000 | $545,000 | $162,000 | $1,684,000 |
| Credit History | 110 | $11,850,000 | $107,000 | $605,000 | $129,000 | $1,635,000 |
| Collateral | 66 | $8,080,000 | $122,000 | $635,000 | $120,000 | $700,000 |
| Unverifiable Information | 17 | $2,035,000 | $119,000 | $355,000 | $75,000 | $270,000 |
| Credit Application Incomplete | 13 | $3,595,000 | $276,000 | $1,165,000 | $110,000 | $482,000 |
| Employment History | 3 | $205,000 | $68,000 | $105,000 | $42,000 | $80,000 |
| 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 2022 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.