Civic FCU Mortgage Lending & HMDA Data, 2023

In 2023, Civic FCU of Raleigh, NC reported 6,284 mortgage applications totaling $762.3 million, down 28% from 2022. The average application was for $121,308, and applicants reported an average income of $104,137. 61% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (1,213), Raleigh, NC (586) and Winston-Salem, NC (387) (applications in parentheses).

Mortgage Company & Address Civic FCU
P.O. Drawer 25279
Raleigh, NC 27609
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 6,284
Total Mortgage Loan Application Amount $762,300,000
Average Mortgage Loan Application Amount $121,308
Highest Mortgage Loan Application Amount $1,805,000
Average Applicant Income $104,137
Highest Applicant Income $9,464,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Civic FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Civic FCU by County in 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Wake, North Carolina 296 $ 46,840,000 $ 158,243 $ 143,000
Mecklenburg, North Carolina 251 $ 36,305,000 $ 144,641 $ 107,000
Johnston, North Carolina 224 $ 27,220,000 $ 121,517 $ 115,000
Pitt, North Carolina 217 $ 24,235,000 $ 111,682 $ 117,000
Catawba, North Carolina 190 $ 22,180,000 $ 116,736 $ 101,000
Gaston, North Carolina 187 $ 21,845,000 $ 116,818 $ 90,000
Guilford, North Carolina 171 $ 22,285,000 $ 130,321 $ 137,000
Iredell, North Carolina 169 $ 23,185,000 $ 137,189 $ 84,000
Rowan, North Carolina 169 $ 17,315,000 $ 102,455 $ 85,000
Cabarrus, North Carolina 162 $ 20,210,000 $ 124,753 $ 101,000
Davidson, North Carolina 155 $ 17,445,000 $ 112,548 $ 89,000
Brunswick, North Carolina 152 $ 18,580,000 $ 122,236 $ 97,000
Union, North Carolina 150 $ 18,280,000 $ 121,866 $ 115,000
Forsyth, North Carolina 139 $ 17,275,000 $ 124,280 $ 110,000
Buncombe, North Carolina 136 $ 21,930,000 $ 161,250 $ 117,000
Stanly, North Carolina 112 $ 14,900,000 $ 133,035 $ 89,000
Henderson, North Carolina 107 $ 16,285,000 $ 152,196 $ 95,000
Cleveland, North Carolina 103 $ 11,505,000 $ 111,699 $ 105,000
Nash, North Carolina 102 $ 10,620,000 $ 104,117 $ 76,000
Durham, North Carolina 97 $ 11,145,000 $ 114,896 $ 103,000
New Hanover, North Carolina 94 $ 15,950,000 $ 169,680 $ 116,000
Randolph, North Carolina 94 $ 12,350,000 $ 131,382 $ 142,000
Rutherford, North Carolina 90 $ 9,500,000 $ 105,555 $ 78,000
Alamance, North Carolina 84 $ 11,980,000 $ 142,619 $ 90,000
Surry, North Carolina 82 $ 8,010,000 $ 97,682 $ 69,000
Harnett, North Carolina 78 $ 9,710,000 $ 124,487 $ 89,000
Lincoln, North Carolina 75 $ 10,575,000 $ 141,000 $ 173,000
Caldwell, North Carolina 73 $ 8,155,000 $ 111,712 $ 89,000
Wilkes, North Carolina 69 $ 7,945,000 $ 115,144 $ 84,000
Rockingham, North Carolina 68 $ 8,440,000 $ 124,117 $ 80,000
Dare, North Carolina 66 $ 8,450,000 $ 128,030 $ 106,000
Edgecombe, North Carolina 66 $ 5,460,000 $ 82,727 $ 112,000
Franklin, North Carolina 66 $ 9,700,000 $ 146,969 $ 101,000
Robeson, North Carolina 64 $ 5,810,000 $ 90,781 $ 72,000
Beaufort, North Carolina 61 $ 5,095,000 $ 83,524 $ 102,000
Wayne, North Carolina 60 $ 6,540,000 $ 109,000 $ 81,000
Burke, North Carolina 59 $ 6,515,000 $ 110,423 $ 91,000
Wilson, North Carolina 56 $ 5,210,000 $ 93,035 $ 87,000
Cumberland, North Carolina 55 $ 4,865,000 $ 88,454 $ 79,000
Onslow, North Carolina 55 $ 6,725,000 $ 122,272 $ 144,000
Carteret, North Carolina 54 $ 6,820,000 $ 126,296 $ 110,000
Moore, North Carolina 54 $ 5,610,000 $ 103,888 $ 82,000
Granville, North Carolina 51 $ 4,915,000 $ 96,372 $ 178,000
Craven, North Carolina 50 $ 4,470,000 $ 89,400 $ 81,000
Lenoir, North Carolina 49 $ 4,405,000 $ 89,897 $ 92,000
Davie, North Carolina 46 $ 5,270,000 $ 114,565 $ 86,000
Cherokee, North Carolina 45 $ 4,775,000 $ 106,111 $ 71,000
Pender, North Carolina 43 $ 5,035,000 $ 117,093 $ 116,000
Sampson, North Carolina 43 $ 4,495,000 $ 104,534 $ 87,000
Richmond, North Carolina 40 $ 3,940,000 $ 98,500 $ 79,000
Alexander, North Carolina 37 $ 4,635,000 $ 125,270 $ 84,000
Montgomery, North Carolina 34 $ 3,280,000 $ 96,470 $ 59,000
Lee, North Carolina 33 $ 3,885,000 $ 117,727 $ 87,000
Macon, North Carolina 31 $ 2,125,000 $ 68,548 $ 74,000
Orange, North Carolina 31 $ 4,555,000 $ 146,935 $ 105,000
Columbus, North Carolina 30 $ 2,550,000 $ 85,000 $ 71,000
Haywood, North Carolina 30 $ 4,540,000 $ 151,333 $ 88,000
Madison, North Carolina 30 $ 4,190,000 $ 139,666 $ 75,000
Pasquotank, North Carolina 30 $ 2,300,000 $ 76,666 $ 82,000
Halifax, North Carolina 29 $ 2,255,000 $ 77,758 $ 157,000
Yadkin, North Carolina 29 $ 2,945,000 $ 101,551 $ 80,000
Scotland, North Carolina 26 $ 2,580,000 $ 99,230 $ 85,000
Anson, North Carolina 25 $ 2,295,000 $ 91,800 $ 66,000
McDowell, North Carolina 25 $ 2,815,000 $ 112,600 $ 95,000
Chatham, North Carolina 23 $ 4,485,000 $ 195,000 $ 144,000
Horry, South Carolina 23 $ 4,065,000 $ 176,739 $ 117,000
Clay, North Carolina 22 $ 2,680,000 $ 121,818 $ 76,000
Greene, North Carolina 22 $ 1,920,000 $ 87,272 $ 90,000
Person, North Carolina 21 $ 2,005,000 $ 95,476 $ 71,000
Vance, North Carolina 21 $ 2,385,000 $ 113,571 $ 77,000
Duplin, North Carolina 20 $ 1,410,000 $ 70,500 $ 65,000
Martin, North Carolina 20 $ 1,950,000 $ 97,500 $ 80,000
Bertie, North Carolina 19 $ 1,645,000 $ 86,578 $ 71,000
Polk, North Carolina 19 $ 2,175,000 $ 114,473 $ 80,000
York, South Carolina 19 $ 3,575,000 $ 188,157 $ 121,000
Stokes, North Carolina 18 $ 2,350,000 $ 130,555 $ 96,000
Transylvania, North Carolina 18 $ 2,100,000 $ 116,666 $ 65,000
Watauga, North Carolina 18 $ 2,350,000 $ 130,555 $ 146,000
Spartanburg, South Carolina 18 $ 2,050,000 $ 113,888 $ 121,000
Mitchell, North Carolina 17 $ 1,385,000 $ 81,470 $ 61,000
Yancey, North Carolina 17 $ 2,885,000 $ 169,705 $ 69,000
Hertford, North Carolina 16 $ 2,020,000 $ 126,250 $ 66,000
Bladen, North Carolina 15 $ 1,115,000 $ 74,333 $ 85,000
Currituck, North Carolina 15 $ 1,395,000 $ 93,000 $ 95,000
Northampton, North Carolina 15 $ 1,535,000 $ 102,333 $ 73,000
Ashe, North Carolina 14 $ 2,150,000 $ 153,571 $ 91,000
Jackson, North Carolina 14 $ 1,490,000 $ 106,428 $ 70,000
Hoke, North Carolina 12 $ 520,000 $ 43,333 $ 182,000
Warren, North Carolina 12 $ 910,000 $ 75,833 $ 63,000
Caswell, North Carolina 11 $ 1,795,000 $ 163,181 $ 109,000
Washington, North Carolina 11 $ 645,000 $ 58,636 $ 60,000
Avery, North Carolina 10 $ 1,420,000 $ 142,000 $ 120,000
Camden, North Carolina 10 $ 930,000 $ 93,000 $ 112,000
Towns, Georgia 9 $ 845,000 $ 93,888 $ 69,000
Tyrrell, North Carolina 9 $ 375,000 $ 41,666 $ 40,000
Jones, North Carolina 8 $ 660,000 $ 82,500 $ 78,000
Pamlico, North Carolina 8 $ 350,000 $ 43,750 $ 55,000
Perquimans, North Carolina 8 $ 540,000 $ 67,500 $ 320,000
Swain, North Carolina 8 $ 790,000 $ 98,750 $ 87,000
Patrick, Virginia 8 $ 820,000 $ 102,500 $ 62,000
Union, Georgia 7 $ 1,215,000 $ 173,571 $ 101,000
Alleghany, North Carolina 7 $ 645,000 $ 92,142 $ 67,000
Chowan, North Carolina 7 $ 455,000 $ 65,000 $ 55,000
Carroll, Virginia 7 $ 625,000 $ 89,285 $ 93,000
Gates, North Carolina 6 $ 560,000 $ 93,333 $ 92,000
Chesterfield, South Carolina 6 $ 460,000 $ 76,666 $ 51,000
Greenville, South Carolina 6 $ 1,030,000 $ 171,666 $ 61,000
Lancaster, South Carolina 6 $ 900,000 $ 150,000 $ 142,000
Charleston, South Carolina 4 $ 880,000 $ 220,000 $ 113,000
Cherokee, South Carolina 4 $ 950,000 $ 237,500 $ 83,000
Oconee, South Carolina 4 $ 1,000,000 $ 250,000 $ 108,000
Gwinnett, Georgia 3 $ 225,000 $ 75,000 $ 145,000
Graham, North Carolina 3 $ 295,000 $ 98,333 $ 63,000
Hyde, North Carolina 3 $ 145,000 $ 48,333 $ 76,000
Beaufort, South Carolina 3 $ 585,000 $ 195,000 $ 2,454,000
Pickens, South Carolina 3 $ 375,000 $ 125,000 $ 154,000
Richland, South Carolina 3 $ 125,000 $ 41,666 $ 73,000
Virginia Beach, Virginia 3 $ 665,000 $ 221,666 $ 35,000
Fannin, Georgia 2 $ 250,000 $ 125,000 $ 89,000
Georgetown, South Carolina 2 $ 410,000 $ 205,000 $ 73,000
Greene, Tennessee 2 $ 400,000 $ 200,000 $ 66,000
Washington, Tennessee 2 $ 210,000 $ 105,000 $ 4,795,000
Danville, Virginia 2 $ 60,000 $ 30,000 $ 68,000
Martinsville, Virginia 2 $ 120,000 $ 60,000 $ 64,000
Pittsylvania, Virginia 2 $ 90,000 $ 45,000 $ 64,000
Stafford, Virginia 2 $ 190,000 $ 95,000 $ 124,000
Indian River, Florida 1 $ 55,000 $ 55,000 $ 38,000
Banks, Georgia 1 $ 325,000 $ 325,000 $ 95,000
Cobb, Georgia 1 $ 285,000 $ 285,000 $ 82,000
Dougherty, Georgia 1 $ 95,000 $ 95,000 $ 34,000
Franklin, Georgia 1 $ 185,000 $ 185,000 $ 39,000
Fulton, Georgia 1 $ 185,000 $ 185,000 $ 77,000
Hall, Georgia 1 $ 45,000 $ 45,000 $ 101,000
Paulding, Georgia 1 $ 265,000 $ 265,000 $ 180,000
Rabun, Georgia 1 $ 105,000 $ 105,000 $ 106,000
Richmond, Georgia 1 $ 275,000 $ 275,000 $ 185,000
White, Georgia 1 $ 365,000 $ 365,000 $ 101,000
Clarendon, South Carolina 1 $ 165,000 $ 165,000 $ 222,000
Darlington, South Carolina 1 $ 155,000 $ 155,000 $ 45,000
Kershaw, South Carolina 1 $ 285,000 $ 285,000 $ 149,000
Marion, South Carolina 1 $ 155,000 $ 155,000 $ 45,000
Carter, Tennessee 1 $ 275,000 $ 275,000 $ 84,000
Jefferson, Tennessee 1 $ 185,000 $ 185,000 $ 95,000
Rutherford, Tennessee 1 $ 405,000 $ 405,000 $ 180,000
Shelby, Tennessee 1 $ 85,000 $ 85,000 $ 226,000
Albemarle, Virginia 1 $ 375,000 $ 375,000 $ 102,000
Bedford, Virginia 1 $ 85,000 $ 85,000 $ 135,000
Caroline, Virginia 1 $ 265,000 $ 265,000 $ 139,000
Emporia, Virginia 1 $ 125,000 $ 125,000 $ 118,000
Frederick, Virginia 1 $ 45,000 $ 45,000 $ 107,000
Giles, Virginia 1 $ 55,000 $ 55,000 $ 46,000
Grayson, Virginia 1 $ 185,000 $ 185,000 $ 52,000
Greensville, Virginia 1 $ 95,000 $ 95,000 $ 0
Halifax, Virginia 1 $ 25,000 $ 25,000 $ 24,000
Henrico, Virginia 1 $ 335,000 $ 335,000 $ 109,000
Henry, Virginia 1 $ 95,000 $ 95,000 $ 83,000
James City, Virginia 1 $ 85,000 $ 85,000 $ 57,000
Lynchburg, Virginia 1 $ 55,000 $ 55,000 $ 98,000
Orange, Virginia 1 $ 385,000 $ 385,000 $ 149,000
Petersburg, Virginia 1 $ 165,000 $ 165,000 $ 52,000
Roanoke City, Virginia 1 $ 95,000 $ 95,000 $ 491,000
Smyth, Virginia 1 $ 95,000 $ 95,000 $ 24,000

Mortgage Loan Application Detail Totals for Civic FCU in 2023

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 1,917 $114,285,000 $59,000 $505,000 $117,000 $9,464,000
Home Purchase 1,849 $417,725,000 $225,000 $1,805,000 $94,000 $1,474,000
Other Purpose 1,392 $89,870,000 $64,000 $525,000 $100,000 $2,808,000
Refinancing 1,126 $140,420,000 $124,000 $725,000 $104,000 $4,855,000
Not Applicable 0 $0 $0 $0 $0 $0
Cash-out Refinancing 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 4,312 $519,980,000 $120,000 $1,005,000 $108,000 $9,464,000
Black or African American 1,192 $137,860,000 $115,000 $1,805,000 $92,000 $2,918,000
Not Provided 405 $51,715,000 $127,000 $505,000 $122,000 $6,972,000
Hispanic 249 $35,455,000 $142,000 $645,000 $84,000 $391,000
American Indian or Alaskan Native 71 $6,995,000 $98,000 $285,000 $74,000 $286,000
Asian 39 $7,595,000 $194,000 $545,000 $106,000 $247,000
Native Hawaiian or Other Pacific Islander 7 $1,615,000 $230,000 $365,000 $99,000 $139,000
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) 6,284 $762,300,000 $121,000 $1,805,000 $104,000 $9,464,000
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
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 3,835 $508,805,000 $132,000 $1,805,000 $102,000 $4,855,000
Application Denied By Financial Institution 1,460 $129,830,000 $88,000 $705,000 $105,000 $9,464,000
Application Withdrawn By Applicant 673 $91,895,000 $136,000 $875,000 $108,000 $6,972,000
File Closed For Incompleteness 271 $24,625,000 $90,000 $445,000 $119,000 $3,640,000
Application Approved But Not Accepted 45 $7,145,000 $158,000 $385,000 $99,000 $563,000
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 4,824 $632,470,000 $131,000 $1,805,000 $104,000 $6,972,000
Debt-To-Income Ratio 756 $75,550,000 $99,000 $705,000 $61,000 $256,000
Credit History 510 $38,170,000 $74,000 $495,000 $154,000 $6,149,000
Collateral 157 $12,405,000 $79,000 $455,000 $104,000 $2,820,000
Other 17 $1,765,000 $103,000 $435,000 $633,000 $9,464,000
Unverifiable Information 13 $995,000 $76,000 $255,000 $96,000 $207,000
Employment History 6 $590,000 $98,000 $255,000 $43,000 $95,000
Insufficient Cash (Downpayment, Closing Cost) 1 $355,000 $355,000 $355,000 $211,000 $211,000
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 Civic FCU's 2023 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 Civic FCU'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.

Download the North Carolina Lender List