Allegacy Federal Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, Allegacy Federal Credit Union of Winston Salem, NC reported 4,247 mortgage applications totaling $554.9 million, down 13% from 2020. The average application was for $130,651, and applicants reported an average income of $138,387. 70% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Winston-Salem, NC (2,283), Charlotte-Concord-Gastonia, NC-SC (539) and Greensboro-High Point, NC (403) (applications in parentheses).
| 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 | 2025 2024 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 | $130,651 |
| Highest Mortgage Loan Application Amount | $2,025,000 |
| Average Applicant Income | $138,387 |
| Highest Applicant Income | $4,058,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Allegacy Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Winston-Salem, NC | 2,283 | $ 266,995,000 | $ 116,949 | $ 108,000 |
| Charlotte-Concord-Gastonia, NC-SC | 539 | $ 86,385,000 | $ 160,269 | $ 196,061 |
| Greensboro-High Point, NC | 403 | $ 56,285,000 | $ 139,665 | $ 146,000 |
| Outside any metro area | 240 | $ 29,250,000 | $ 121,875 | $ 119,891 |
| Atlanta-Sandy Springs-Roswell, GA | 152 | $ 20,060,000 | $ 131,973 | $ 194,000 |
| Raleigh, NC | 126 | $ 17,950,000 | $ 142,460 | $ 174,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 41 | $ 8,775,000 | $ 214,024 | $ 279,731 |
| Durham-Chapel Hill, NC | 32 | $ 7,830,000 | $ 244,687 | $ 218,000 |
| Hickory-Lenoir-Morganton, NC | 31 | $ 4,475,000 | $ 144,354 | $ 123,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 26 | $ 3,790,000 | $ 145,769 | $ 133,192 |
| New York-Newark, NY | 24 | $ 4,240,000 | $ 176,666 | $ 213,958 |
| New York-Jersey City-White Plains, NY-NJ | 22 | $ 2,980,000 | $ 135,454 | $ 145,818 |
| Charleston-North Charleston, SC | 19 | $ 2,575,000 | $ 135,526 | $ 172,000 |
| Newark, NJ-PA | 19 | $ 3,495,000 | $ 183,947 | $ 199,263 |
| Burlington, NC | 17 | $ 1,545,000 | $ 90,882 | $ 115,000 |
| Asheville, NC | 16 | $ 2,250,000 | $ 140,625 | $ 95,000 |
| Columbia, SC | 14 | $ 1,380,000 | $ 98,571 | $ 129,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 2,465,000 | $ 224,090 | $ 260,000 |
| Anaheim-Santa Ana-Irvine, CA | 10 | $ 1,930,000 | $ 193,000 | $ 342,000 |
| Fayetteville, NC | 10 | $ 1,090,000 | $ 109,000 | $ 101,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 1,200,000 | $ 120,000 | $ 257,000 |
| Wilmington, NC | 9 | $ 1,335,000 | $ 148,333 | $ 159,000 |
| Richmond, VA | 8 | $ 890,000 | $ 111,250 | $ 233,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 980,000 | $ 122,500 | $ 145,000 |
| Washington-Baltimore-Arlington, DC | 8 | $ 1,850,000 | $ 231,250 | $ 427,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 1,850,000 | $ 231,250 | $ 231,000 |
| Jacksonville, FL | 7 | $ 405,000 | $ 57,857 | $ 141,000 |
| Pittsburgh, PA | 7 | $ 625,000 | $ 89,285 | $ 109,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 825,000 | $ 117,857 | $ 192,000 |
| Savannah, GA | 7 | $ 515,000 | $ 73,571 | $ 166,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 1,225,000 | $ 175,000 | $ 145,571 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,150,000 | $ 191,666 | $ 134,000 |
| Chicago-Naperville, IL | 5 | $ 725,000 | $ 145,000 | $ 250,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 735,000 | $ 147,000 | $ 219,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 350,000 | $ 87,500 | $ 109,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 720,000 | $ 180,000 | $ 203,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 530,000 | $ 132,500 | $ 123,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 465,000 | $ 155,000 | $ 562,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 435,000 | $ 145,000 | $ 190,000 |
| Roanoke, VA | 3 | $ 225,000 | $ 75,000 | $ 201,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 385,000 | $ 128,333 | $ 173,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 895,000 | $ 298,333 | $ 155,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 240,000 | $ 120,000 | $ 142,000 |
| Athens-Clarke County, GA | 2 | $ 460,000 | $ 230,000 | $ 575,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 180,000 | $ 90,000 | $ 125,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 530,000 | $ 265,000 | $ 200,000 |
| Charlottesville, VA | 2 | $ 200,000 | $ 100,000 | $ 199,000 |
| Columbus, GA-AL | 2 | $ 330,000 | $ 165,000 | $ 188,000 |
| Columbus, OH | 2 | $ 210,000 | $ 105,000 | $ 188,000 |
| Gainesville, GA | 2 | $ 160,000 | $ 80,000 | $ 101,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 150,000 | $ 75,000 | $ 95,000 |
| Nassau County-Suffolk County, NY | 2 | $ 150,000 | $ 75,000 | $ 166,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 160,000 | $ 80,000 | $ 153,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 430,000 | $ 215,000 | $ 67,000 |
| Philadelphia, PA | 2 | $ 160,000 | $ 80,000 | $ 191,000 |
| Port St. Lucie, FL | 2 | $ 190,000 | $ 95,000 | $ 384,000 |
| San Diego-Carlsbad, CA | 2 | $ 340,000 | $ 170,000 | $ 342,000 |
| St. Louis, MO-IL | 2 | $ 260,000 | $ 130,000 | $ 117,500 |
| Utica-Rome, NY | 2 | $ 280,000 | $ 140,000 | $ 196,000 |
| Beckley, WV | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Birmingham-Hoover, AL | 1 | $ 85,000 | $ 85,000 | $ 210,000 |
| Brunswick, GA | 1 | $ 35,000 | $ 35,000 | $ 135,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 35,000 | $ 35,000 | $ 83,000 |
| Charleston, WV | 1 | $ 295,000 | $ 295,000 | $ 619,000 |
| Cincinnati, OH-KY-IN | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Colorado Springs, CO | 1 | $ 85,000 | $ 85,000 | $ 360,000 |
| Dallas-Plano-Irving, TX | 1 | $ 75,000 | $ 75,000 | $ 474,000 |
| Dalton, GA | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 355,000 | $ 355,000 | $ 176,000 |
| Erie, PA | 1 | $ 75,000 | $ 75,000 | $ 177,000 |
| Gainesville, FL | 1 | $ 65,000 | $ 65,000 | $ 128,000 |
| Gettysburg, PA | 1 | $ 125,000 | $ 125,000 | $ 159,000 |
| Goldsboro, NC | 1 | $ 45,000 | $ 45,000 | $ 201,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 305,000 | $ 305,000 | $ 200,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 75,000 | $ 75,000 | $ 203,000 |
| Harrisburg-Carlisle, PA | 1 | $ 255,000 | $ 255,000 | $ 230,000 |
| Hinesville, GA | 1 | $ 95,000 | $ 95,000 | $ 109,000 |
| Jackson, TN | 1 | $ 165,000 | $ 165,000 | $ 983,000 |
| Jacksonville, NC | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Lakeland-Winter Haven, FL | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Lancaster, PA | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Lynchburg, VA | 1 | $ 105,000 | $ 105,000 | $ 249,000 |
| Macon-Bibb County, GA | 1 | $ 85,000 | $ 85,000 | $ 108,000 |
| Morgantown, WV | 1 | $ 225,000 | $ 225,000 | $ 268,000 |
| New Bern, NC | 1 | $ 245,000 | $ 245,000 | $ 104,000 |
| New Haven-Milford, CT | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Ocala, FL | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Ocean City, NJ | 1 | $ 105,000 | $ 105,000 | $ 544,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Reading, PA | 1 | $ 25,000 | $ 25,000 | $ 121,000 |
| Rochester, NY | 1 | $ 235,000 | $ 235,000 | $ 220,000 |
| Rocky Mount, NC | 1 | $ 95,000 | $ 95,000 | $ 233,000 |
| Salisbury, MD-DE | 1 | $ 355,000 | $ 355,000 | $ 960,000 |
| San Antonio-New Braunfels, TX | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| San Rafael, CA | 1 | $ 105,000 | $ 105,000 | $ 290,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 285,000 | $ 285,000 | $ 297,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Spartanburg, SC | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Staunton-Waynesboro, VA | 1 | $ 45,000 | $ 45,000 | $ 128,000 |
| Stockton-Lodi, CA | 1 | $ 125,000 | $ 125,000 | $ 145,000 |
| Sumter, SC | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| The Villages, FL | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Wilmington, DE-MD-NJ | 1 | $ 155,000 | $ 155,000 | $ 127,000 |
| York-Hanover, PA | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 235,000 | $ 235,000 | $ 90,000 |
| Yuma, AZ | 1 | $ 115,000 | $ 115,000 | $ 91,000 |
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.
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