Coastal Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Coastal Federal Credit Union 2005 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 | Coastal Federal Credit Union Po Box 99167 Raleigh, NC 27624 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 | 933 |
| Total Mortgage Loan Application Amount | $157,471,000 |
| Average Mortgage Loan Application Amount | $229,414 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $106,170 |
| Highest Applicant Income | $504,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Coastal 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 Coastal Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Coastal 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 Coastal Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Coastal 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 Coastal Federal Credit Union's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wake County North Carolina | 483 | $ 85,470,000 | $ 176,000 | $ 77,000 |
| Durham County North Carolina | 81 | $ 11,130,000 | $ 137,000 | $ 69,000 |
| Mecklenburg County North Carolina | 76 | $ 10,349,000 | $ 136,000 | $ 71,000 |
| Orange County North Carolina | 25 | $ 4,635,000 | $ 185,000 | $ 71,000 |
| Cabarrus County North Carolina | 22 | $ 2,940,000 | $ 133,000 | $ 69,000 |
| Johnston County North Carolina | 21 | $ 2,366,000 | $ 112,000 | $ 69,000 |
| Harnett County North Carolina | 12 | $ 1,107,000 | $ 92,000 | $ 65,000 |
| Carteret County North Carolina | 11 | $ 2,065,000 | $ 187,000 | $ 145,000 |
| Brunswick County North Carolina | 9 | $ 1,670,000 | $ 185,000 | $ 179,000 |
| Chatham County North Carolina | 9 | $ 1,656,000 | $ 184,000 | $ 86,000 |
| Franklin County North Carolina | 9 | $ 1,017,000 | $ 113,000 | $ 58,000 |
| New Hanover County North Carolina | 9 | $ 1,373,000 | $ 152,000 | $ 97,000 |
| Granville County North Carolina | 8 | $ 1,226,000 | $ 153,000 | $ 53,000 |
| Lee County North Carolina | 6 | $ 622,000 | $ 103,000 | $ 72,000 |
| Union County North Carolina | 6 | $ 971,000 | $ 161,000 | $ 108,000 |
| Horry County South Carolina | 6 | $ 640,000 | $ 106,000 | $ 105,000 |
| Onslow County North Carolina | 4 | $ 828,000 | $ 207,000 | $ 87,000 |
| York County South Carolina | 4 | $ 550,000 | $ 137,000 | $ 57,000 |
| Chesterfield County Virginia | 4 | $ 1,161,000 | $ 290,000 | $ 102,000 |
| Alamance County North Carolina | 3 | $ 770,000 | $ 256,000 | $ 102,000 |
| Ashe County North Carolina | 3 | $ 453,000 | $ 151,000 | $ 78,000 |
| Craven County North Carolina | 3 | $ 598,000 | $ 199,000 | $ 120,000 |
| Iredell County North Carolina | 3 | $ 920,000 | $ 306,000 | $ 133,000 |
| Person County North Carolina | 3 | $ 538,000 | $ 179,000 | $ 79,000 |
| Pitt County North Carolina | 3 | $ 396,000 | $ 132,000 | $ 57,000 |
| Rowan County North Carolina | 3 | $ 306,000 | $ 102,000 | $ 40,000 |
| Maricopa County Arizona | 2 | $ 463,000 | $ 231,000 | $ 73,000 |
| Fulton County Georgia | 2 | $ 295,000 | $ 147,000 | $ 65,000 |
| Troup County Georgia | 2 | $ 379,000 | $ 189,000 | $ 117,000 |
| Frederick County Maryland | 2 | $ 418,000 | $ 209,000 | $ 71,000 |
| Buncombe County North Carolina | 2 | $ 211,000 | $ 105,000 | $ 34,000 |
| Caldwell County North Carolina | 2 | $ 238,000 | $ 119,000 | $ 73,000 |
| Catawba County North Carolina | 2 | $ 550,000 | $ 275,000 | $ 145,000 |
| Cleveland County North Carolina | 2 | $ 265,000 | $ 132,000 | $ 55,000 |
| Cumberland County North Carolina | 2 | $ 100,000 | $ 50,000 | $ 40,000 |
| Dare County North Carolina | 2 | $ 615,000 | $ 307,000 | $ 253,000 |
| Forsyth County North Carolina | 2 | $ 249,000 | $ 124,000 | $ 59,000 |
| Gaston County North Carolina | 2 | $ 154,000 | $ 77,000 | $ 27,000 |
| Guilford County North Carolina | 2 | $ 127,000 | $ 63,000 | $ 32,000 |
| Lincoln County North Carolina | 2 | $ 301,000 | $ 150,000 | $ 98,000 |
| Watauga County North Carolina | 2 | $ 291,000 | $ 145,000 | $ 71,000 |
| Chambers County Alabama | 1 | $ 81,000 | $ 81,000 | $ 92,000 |
| Los Angeles County California | 1 | $ 537,000 | $ 537,000 | $ 170,000 |
| Sacramento County California | 1 | $ 191,000 | $ 191,000 | $ 86,000 |
| Garfield County Colorado | 1 | $ 283,000 | $ 283,000 | $ 90,000 |
| Middlesex County Connecticut | 1 | $ 100,000 | $ 100,000 | $ 26,000 |
| Alachua County Florida | 1 | $ 296,000 | $ 296,000 | $ 136,000 |
| Brevard County Florida | 1 | $ 230,000 | $ 230,000 | $ 201,000 |
| Collier County Florida | 1 | $ 200,000 | $ 200,000 | $ 155,000 |
| Indian River County Florida | 1 | $ 725,000 | $ 725,000 | $ 216,000 |
| Martin County Florida | 1 | $ 60,000 | $ 60,000 | $ 45,000 |
| Nassau County Florida | 1 | $ 179,000 | $ 179,000 | $ 119,000 |
| Orange County Florida | 1 | $ 264,000 | $ 264,000 | $ 120,000 |
| Palm Beach County Florida | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Pinellas County Florida | 1 | $ 240,000 | $ 240,000 | $ 98,000 |
| Cobb County Georgia | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Fayette County Georgia | 1 | $ 220,000 | $ 220,000 | $ 90,000 |
| Forsyth County Georgia | 1 | $ 300,000 | $ 300,000 | $ 155,000 |
| Hall County Georgia | 1 | $ 120,000 | $ 120,000 | $ 54,000 |
| Ogle County Illinois | 1 | $ 150,000 | $ 150,000 | $ 53,000 |
| Cumberland County Maine | 1 | $ 225,000 | $ 225,000 | $ 225,000 |
| Baltimore County Maryland | 1 | $ 194,000 | $ 194,000 | $ 108,000 |
| Charles County Maryland | 1 | $ 356,000 | $ 356,000 | $ 104,000 |
| Harford County Maryland | 1 | $ 360,000 | $ 360,000 | $ 114,000 |
| Montgomery County Maryland | 1 | $ 360,000 | $ 360,000 | $ 104,000 |
| Wicomico County Maryland | 1 | $ 263,000 | $ 263,000 | $ 161,000 |
| Essex County Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 154,000 |
| Washtenaw County Michigan | 1 | $ 560,000 | $ 560,000 | $ 248,000 |
| Platte County Missouri | 1 | $ 267,000 | $ 267,000 | $ 105,000 |
| St. Louis County Missouri | 1 | $ 10,000 | $ 10,000 | $ 90,000 |
| Burlington County New Jersey | 1 | $ 248,000 | $ 248,000 | $ 177,000 |
| Ocean County New Jersey | 1 | $ 197,000 | $ 197,000 | $ 90,000 |
| Monroe County New York | 1 | $ 480,000 | $ 480,000 | $ 133,000 |
| Orange County New York | 1 | $ 319,000 | $ 319,000 | $ 73,000 |
| Anson County North Carolina | 1 | $ 123,000 | $ 123,000 | $ 85,000 |
| Avery County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 268,000 |
| Bladen County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 38,000 |
| Burke County North Carolina | 1 | $ 194,000 | $ 194,000 | $ 176,000 |
| Caswell County North Carolina | 1 | $ 127,000 | $ 127,000 | $ 115,000 |
| Currituck County North Carolina | 1 | $ 460,000 | $ 460,000 | $ 158,000 |
| Halifax County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 47,000 |
| Henderson County North Carolina | 1 | $ 190,000 | $ 190,000 | $ 94,000 |
| Lenoir County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 224,000 |
| McDowell County North Carolina | 1 | $ 39,000 | $ 39,000 | $ 18,000 |
| Montgomery County North Carolina | 1 | $ 372,000 | $ 372,000 | $ 122,000 |
| Moore County North Carolina | 1 | $ 52,000 | $ 52,000 | $ 119,000 |
| Nash County North Carolina | 1 | $ 87,000 | $ 87,000 | $ 30,000 |
| Polk County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 31,000 |
| Rockingham County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 43,000 |
| Rutherford County North Carolina | 1 | $ 186,000 | $ 186,000 | $ 267,000 |
| Swain County North Carolina | 1 | $ 525,000 | $ 525,000 | $ 17,000 |
| Vance County North Carolina | 1 | $ 232,000 | $ 232,000 | $ 112,000 |
| Wilson County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 96,000 |
| Butler County Ohio | 1 | $ 300,000 | $ 300,000 | $ 97,000 |
| Delaware County Ohio | 1 | $ 324,000 | $ 324,000 | $ 99,000 |
| Franklin County Ohio | 1 | $ 224,000 | $ 224,000 | $ 84,000 |
| Hamilton County Ohio | 1 | $ 360,000 | $ 360,000 | $ 205,000 |
| Tulsa County Oklahoma | 1 | $ 360,000 | $ 360,000 | $ 128,000 |
| Multnomah County Oregon | 1 | $ 320,000 | $ 320,000 | $ 106,000 |
| Crawford County Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 55,000 |
| Northampton County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 39,000 |
| Berkeley County South Carolina | 1 | $ 138,000 | $ 138,000 | $ 74,000 |
| Georgetown County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 130,000 |
| Greenville County South Carolina | 1 | $ 133,000 | $ 133,000 | $ 48,000 |
| Lancaster County South Carolina | 1 | $ 4,000 | $ 4,000 | $ 61,000 |
| Spartanburg County South Carolina | 1 | $ 132,000 | $ 132,000 | $ 119,000 |
| Sullivan County Tennessee | 1 | $ 218,000 | $ 218,000 | $ 108,000 |
| Comal County Texas | 1 | $ 25,000 | $ 25,000 | $ 21,000 |
| Tarrant County Texas | 1 | $ 122,000 | $ 122,000 | $ 60,000 |
| Williamson County Texas | 1 | $ 264,000 | $ 264,000 | $ 143,000 |
| Chittenden County Vermont | 1 | $ 202,000 | $ 202,000 | $ 89,000 |
| Fairfax County Virginia | 1 | $ 250,000 | $ 250,000 | $ 85,000 |
| Mecklenburg County Virginia | 1 | $ 191,000 | $ 191,000 | $ 133,000 |
| Montgomery County Virginia | 1 | $ 129,000 | $ 129,000 | $ 79,000 |
| Portsmouth County Virginia | 1 | $ 64,000 | $ 64,000 | $ 256,000 |
| Rappahannock County Virginia | 1 | $ 311,000 | $ 311,000 | $ 148,000 |
| King County Washington | 1 | $ 355,000 | $ 355,000 | $ 105,000 |
| Dane County Wisconsin | 1 | $ 277,000 | $ 277,000 | $ 143,000 |
Mortgage Loan Application Detail Totals for Coastal Federal Credit Union in 2005
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 Purchase | 503 | $94,795,000 | $239,041 | $900,000 | $105,833 | $504,000 |
| Refinancing | 390 | $61,480,000 | $258,857 | $725,000 | $114,357 | $451,000 |
| Home Improvement | 40 | $1,196,000 | $15,000 | $252,000 | $70,666 | $105,000 |
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 | 544 | $95,687,000 | $234,947 | $650,000 | $105,526 | $315,000 |
| Not Provided | 243 | $37,637,000 | $226,461 | $900,000 | $112,384 | $504,000 |
| Black or African American | 83 | $12,074,000 | $215,250 | $537,000 | $92,750 | $170,000 |
| Asian | 49 | $10,176,000 | $258,000 | $636,000 | $108,333 | $237,000 |
| Hispanic | 13 | $1,700,000 | $130,000 | $285,000 | $69,000 | $178,000 |
| American Indian or Alaskan Native | 1 | $197,000 | $197,000 | $197,000 | $110,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 931 | $157,095,000 | $244,555 | $900,000 | $109,259 | $504,000 |
| VA-guaranteed (Veterans Administration) | 2 | $376,000 | $188,000 | $213,000 | $67,000 | $97,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 545 | $95,085,000 | $247,375 | $725,000 | $115,562 | $504,000 |
| Application Withdrawn By Applicant | 206 | $39,095,000 | $231,764 | $900,000 | $105,470 | $451,000 |
| Application Denied By Financial Institution | 181 | $23,193,000 | $205,545 | $440,000 | $83,818 | $171,000 |
| Application Approved But Not Accepted | 1 | $98,000 | $98,000 | $98,000 | $49,000 | $49,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 90 | $10,840,000 | $258,250 | $360,000 | $86,000 | $153,000 |
| Debt-To-Income Ratio | 47 | $6,188,000 | $206,666 | $440,000 | $52,333 | $139,000 |
| Collateral | 20 | $2,307,000 | $132,750 | $200,000 | $113,500 | $171,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,030,000 | $180,000 | $360,000 | $88,000 | $128,000 |
| Other | 3 | $571,000 | $167,500 | $275,000 | $42,500 | $76,000 |
| Unverifiable Information | 3 | $392,000 | $164,000 | $264,000 | $67,500 | $120,000 |
| Employment History | 2 | $206,000 | $103,000 | $180,000 | $75,000 | $85,000 |
| Credit Application Incomplete | 1 | $250,000 | $250,000 | $250,000 | $85,000 | $85,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Coastal Federal Credit Union's 2005 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 Coastal 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.