Coastal Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Coastal Federal Credit Union 2006 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 | 621 |
| Total Mortgage Loan Application Amount | $108,856,000 |
| Average Mortgage Loan Application Amount | $130,333 |
| Highest Mortgage Loan Application Amount | $670,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $1,030,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 318 | $ 59,124,000 | $ 185,000 | $ 94,000 |
| Mecklenburg County North Carolina | 56 | $ 9,700,000 | $ 173,000 | $ 76,000 |
| Durham County North Carolina | 55 | $ 8,471,000 | $ 154,000 | $ 92,000 |
| Cabarrus County North Carolina | 28 | $ 3,685,000 | $ 131,000 | $ 86,000 |
| Orange County North Carolina | 16 | $ 3,356,000 | $ 209,000 | $ 103,000 |
| Johnston County North Carolina | 12 | $ 1,522,000 | $ 126,000 | $ 74,000 |
| Chatham County North Carolina | 7 | $ 1,040,000 | $ 148,000 | $ 104,000 |
| Rowan County North Carolina | 7 | $ 839,000 | $ 119,000 | $ 98,000 |
| Franklin County North Carolina | 6 | $ 1,052,000 | $ 175,000 | $ 65,000 |
| Granville County North Carolina | 5 | $ 899,000 | $ 179,000 | $ 57,000 |
| Union County North Carolina | 5 | $ 1,182,000 | $ 236,000 | $ 167,000 |
| Gaston County North Carolina | 4 | $ 510,000 | $ 127,000 | $ 61,000 |
| Harnett County North Carolina | 4 | $ 482,000 | $ 120,000 | $ 56,000 |
| Alamance County North Carolina | 3 | $ 480,000 | $ 160,000 | $ 75,000 |
| Brunswick County North Carolina | 3 | $ 678,000 | $ 226,000 | $ 112,000 |
| Iredell County North Carolina | 3 | $ 338,000 | $ 112,000 | $ 82,000 |
| New Hanover County North Carolina | 3 | $ 351,000 | $ 117,000 | $ 59,000 |
| Horry County South Carolina | 3 | $ 391,000 | $ 130,000 | $ 120,000 |
| York County South Carolina | 3 | $ 803,000 | $ 267,000 | $ 119,000 |
| Palm Beach County Florida | 2 | $ 414,000 | $ 207,000 | $ 151,000 |
| Avery County North Carolina | 2 | $ 242,000 | $ 121,000 | $ 75,000 |
| Carteret County North Carolina | 2 | $ 625,000 | $ 312,000 | $ 128,000 |
| Catawba County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 57,000 |
| Guilford County North Carolina | 2 | $ 233,000 | $ 116,000 | $ 60,000 |
| Moore County North Carolina | 2 | $ 215,000 | $ 107,000 | $ 71,000 |
| Onslow County North Carolina | 2 | $ 463,000 | $ 231,000 | $ 55,000 |
| Person County North Carolina | 2 | $ 552,000 | $ 276,000 | $ 128,000 |
| Pitt County North Carolina | 2 | $ 398,000 | $ 199,000 | $ 55,000 |
| Robeson County North Carolina | 2 | $ 127,000 | $ 63,000 | $ 28,000 |
| Watauga County North Carolina | 2 | $ 279,000 | $ 139,000 | $ 219,000 |
| Spartanburg County South Carolina | 2 | $ 302,000 | $ 151,000 | $ 101,000 |
| Chesapeake County Virginia | 2 | $ 280,000 | $ 140,000 | $ 37,000 |
| Chesterfield County Virginia | 2 | $ 261,000 | $ 130,000 | $ 69,000 |
| Madison County Alabama | 1 | $ 73,000 | $ 73,000 | $ 49,000 |
| New Haven County Connecticut | 1 | $ 200,000 | $ 200,000 | $ 63,000 |
| Flagler County Florida | 1 | $ 141,000 | $ 141,000 | $ 50,000 |
| Hillsborough County Florida | 1 | $ 205,000 | $ 205,000 | $ 157,000 |
| Orange County Florida | 1 | $ 256,000 | $ 256,000 | $ 120,000 |
| Sumter County Florida | 1 | $ 131,000 | $ 131,000 | $ 37,000 |
| Elbert County Georgia | 1 | $ 96,000 | $ 96,000 | $ 80,000 |
| Johnson County Indiana | 1 | $ 75,000 | $ 75,000 | $ 111,000 |
| Tippecanoe County Indiana | 1 | $ 78,000 | $ 78,000 | $ 111,000 |
| Jefferson County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Essex County Massachusetts | 1 | $ 330,000 | $ 330,000 | $ 145,000 |
| Washtenaw County Michigan | 1 | $ 214,000 | $ 214,000 | $ 94,000 |
| Essex County New Jersey | 1 | $ 370,000 | $ 370,000 | $ 117,000 |
| Monroe County New York | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Beaufort County North Carolina | 1 | $ 46,000 | $ 46,000 | $ 110,000 |
| Cleveland County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 221,000 |
| Dare County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 207,000 |
| Davidson County North Carolina | 1 | $ 63,000 | $ 63,000 | $ 89,000 |
| Duplin County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 41,000 |
| Forsyth County North Carolina | 1 | $ 104,000 | $ 104,000 | $ 91,000 |
| Lee County North Carolina | 1 | $ 6,000 | $ 6,000 | $ 38,000 |
| Lincoln County North Carolina | 1 | $ 384,000 | $ 384,000 | $ 153,000 |
| Macon County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 122,000 |
| Nash County North Carolina | 1 | $ 399,000 | $ 399,000 | $ 82,000 |
| Northampton County North Carolina | 1 | $ 40,000 | $ 40,000 | $ 49,000 |
| Rutherford County North Carolina | 1 | $ 398,000 | $ 398,000 | $ 212,000 |
| Stanly County North Carolina | 1 | $ 210,000 | $ 210,000 | $ 200,000 |
| Warren County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 76,000 |
| Washington County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 73,000 |
| Wayne County North Carolina | 1 | $ 210,000 | $ 210,000 | $ 90,000 |
| Delaware County Ohio | 1 | $ 234,000 | $ 234,000 | $ 84,000 |
| Franklin County Ohio | 1 | $ 256,000 | $ 256,000 | $ 84,000 |
| Allegheny County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 76,000 |
| Monroe County Pennsylvania | 1 | $ 157,000 | $ 157,000 | $ 65,000 |
| Beaufort County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 196,000 |
| Berkeley County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 135,000 |
| Greenville County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 92,000 |
| Pickens County South Carolina | 1 | $ 42,000 | $ 42,000 | $ 18,000 |
| Johnson County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Williamson County Tennessee | 1 | $ 228,000 | $ 228,000 | $ 75,000 |
| Burnet County Texas | 1 | $ 161,000 | $ 161,000 | $ 67,000 |
| Salt Lake County Utah | 1 | $ 160,000 | $ 160,000 | $ 118,000 |
| Utah County Utah | 1 | $ 259,000 | $ 259,000 | $ 168,000 |
| Franklin County Vermont | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Charlottesville County Virginia | 1 | $ 153,000 | $ 153,000 | $ 39,000 |
| Fairfax County Virginia | 1 | $ 193,000 | $ 193,000 | $ 62,000 |
| Henrico County Virginia | 1 | $ 140,000 | $ 140,000 | $ 139,000 |
| Newport News County Virginia | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Norfolk County Virginia | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Prince William County Virginia | 1 | $ 411,000 | $ 411,000 | $ 128,000 |
| Virginia Beach County Virginia | 1 | $ 227,000 | $ 227,000 | $ 45,000 |
| Dane County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Coastal Federal Credit Union in 2006
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 | 403 | $74,639,000 | $185,000 | $670,000 | $94,000 | $1,030,000 |
| Refinancing | 193 | $33,347,000 | $172,000 | $665,000 | $87,000 | $224,000 |
| Home Improvement | 25 | $870,000 | $34,000 | $200,000 | $71,000 | $516,000 |
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 | 358 | $64,726,000 | $180,000 | $670,000 | $96,000 | $1,030,000 |
| Not Provided | 149 | $22,701,000 | $152,000 | $585,000 | $90,000 | $516,000 |
| Black or African American | 60 | $10,278,000 | $171,000 | $552,000 | $71,000 | $233,000 |
| Asian | 34 | $7,719,000 | $227,000 | $480,000 | $94,000 | $163,000 |
| Hispanic | 15 | $2,762,000 | $184,000 | $665,000 | $63,000 | $116,000 |
| American Indian or Alaskan Native | 5 | $670,000 | $134,000 | $250,000 | $77,000 | $177,000 |
| 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) | 619 | $108,417,000 | $175,000 | $670,000 | $91,000 | $1,030,000 |
| VA-guaranteed (Veterans Administration) | 2 | $439,000 | $219,000 | $319,000 | $111,000 | $175,000 |
| 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 | 299 | $54,972,000 | $183,000 | $670,000 | $101,000 | $889,000 |
| Application Withdrawn By Applicant | 185 | $34,378,000 | $185,000 | $552,000 | $97,000 | $1,030,000 |
| Application Denied By Financial Institution | 137 | $19,506,000 | $142,000 | $505,000 | $61,000 | $516,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 57 | $8,173,000 | $143,000 | $385,000 | $70,000 | $516,000 |
| Debt-To-Income Ratio | 49 | $7,513,000 | $153,000 | $400,000 | $46,000 | $117,000 |
| Collateral | 10 | $1,527,000 | $152,000 | $251,000 | $93,000 | $157,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $941,000 | $94,000 | $270,000 | $44,000 | $96,000 |
| Other | 5 | $367,000 | $73,000 | $160,000 | $72,000 | $99,000 |
| Employment History | 4 | $281,000 | $70,000 | $105,000 | $45,000 | $56,000 |
| Unverifiable Information | 2 | $704,000 | $352,000 | $505,000 | $100,000 | $167,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Coastal Federal Credit Union's 2006 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.