Self-Help Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Self-Help Credit Union 2012 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 | Self-Help Credit Union 301 W Main Street Durham, NC 27701 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 | 238 |
| Total Mortgage Loan Application Amount | $21,428,000 |
| Average Mortgage Loan Application Amount | $66,000 |
| Highest Mortgage Loan Application Amount | $269,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $285,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Self-Help 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 Self-Help Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Self-Help 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 Self-Help Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Self-Help 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 Self-Help Credit Union's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wilson County North Carolina | 12 | $ 570,000 | $ 47,000 | $ 44,000 |
| Guilford County North Carolina | 11 | $ 731,000 | $ 66,000 | $ 33,000 |
| Cook County Illinois | 10 | $ 1,703,000 | $ 170,000 | $ 43,000 |
| Mecklenburg County North Carolina | 9 | $ 756,000 | $ 84,000 | $ 27,000 |
| Forsyth County North Carolina | 7 | $ 427,000 | $ 61,000 | $ 27,000 |
| Wake County North Carolina | 7 | $ 750,000 | $ 107,000 | $ 35,000 |
| Henderson County North Carolina | 6 | $ 561,000 | $ 93,000 | $ 89,000 |
| Pitt County North Carolina | 6 | $ 492,000 | $ 82,000 | $ 47,000 |
| Gwinnett County Georgia | 5 | $ 724,000 | $ 144,000 | $ 38,000 |
| Alamance County North Carolina | 5 | $ 319,000 | $ 63,000 | $ 36,000 |
| Durham County North Carolina | 5 | $ 310,000 | $ 62,000 | $ 36,000 |
| Nash County North Carolina | 5 | $ 328,000 | $ 65,000 | $ 34,000 |
| Clayton County Georgia | 4 | $ 517,000 | $ 129,000 | $ 14,000 |
| Johnston County North Carolina | 4 | $ 345,000 | $ 86,000 | $ 44,000 |
| Transylvania County North Carolina | 4 | $ 203,000 | $ 50,000 | $ 36,000 |
| Franklin County Ohio | 4 | $ 438,000 | $ 109,000 | $ 39,000 |
| Daviess County Kentucky | 3 | $ 181,000 | $ 60,000 | $ 24,000 |
| Wayne County Michigan | 3 | $ 355,000 | $ 118,000 | $ 37,000 |
| Brunswick County North Carolina | 3 | $ 253,000 | $ 84,000 | $ 49,000 |
| Carteret County North Carolina | 3 | $ 223,000 | $ 74,000 | $ 31,000 |
| Orange County North Carolina | 3 | $ 342,000 | $ 114,000 | $ 41,000 |
| Wayne County North Carolina | 3 | $ 171,000 | $ 57,000 | $ 37,000 |
| Logan County Ohio | 3 | $ 243,000 | $ 81,000 | $ 32,000 |
| Lucas County Ohio | 3 | $ 213,000 | $ 71,000 | $ 21,000 |
| Charleston County South Carolina | 3 | $ 322,000 | $ 107,000 | $ 27,000 |
| Maricopa County Arizona | 2 | $ 169,000 | $ 84,000 | $ 28,000 |
| Lee County Florida | 2 | $ 113,000 | $ 56,000 | $ 0 |
| DeKalb County Georgia | 2 | $ 251,000 | $ 125,000 | $ 24,000 |
| Lake County Illinois | 2 | $ 229,000 | $ 114,000 | $ 43,000 |
| McLean County Illinois | 2 | $ 249,000 | $ 124,000 | $ 36,000 |
| Tazewell County Illinois | 2 | $ 184,000 | $ 92,000 | $ 33,000 |
| Clark County Nevada | 2 | $ 224,000 | $ 112,000 | $ 31,000 |
| Buncombe County North Carolina | 2 | $ 126,000 | $ 63,000 | $ 40,000 |
| Catawba County North Carolina | 2 | $ 158,000 | $ 79,000 | $ 17,000 |
| Cumberland County North Carolina | 2 | $ 109,000 | $ 54,000 | $ 18,000 |
| Davidson County North Carolina | 2 | $ 83,000 | $ 41,000 | $ 24,000 |
| Iredell County North Carolina | 2 | $ 121,000 | $ 60,000 | $ 37,000 |
| Lee County North Carolina | 2 | $ 141,000 | $ 70,000 | $ 31,000 |
| Lenoir County North Carolina | 2 | $ 156,000 | $ 78,000 | $ 68,000 |
| Randolph County North Carolina | 2 | $ 201,000 | $ 100,000 | $ 28,000 |
| Robeson County North Carolina | 2 | $ 71,000 | $ 35,000 | $ 44,000 |
| Rockingham County North Carolina | 2 | $ 60,000 | $ 30,000 | $ 49,000 |
| Scotland County North Carolina | 2 | $ 149,000 | $ 74,000 | $ 35,000 |
| Surry County North Carolina | 2 | $ 121,000 | $ 60,000 | $ 10,000 |
| Harris County Texas | 2 | $ 227,000 | $ 113,000 | $ 22,000 |
| Virginia Beach County Virginia | 2 | $ 321,000 | $ 160,000 | $ 39,000 |
| Cochise County Arizona | 1 | $ 39,000 | $ 39,000 | $ 19,000 |
| Sacramento County California | 1 | $ 104,000 | $ 104,000 | $ 34,000 |
| San Bernardino County California | 1 | $ 211,000 | $ 211,000 | $ 46,000 |
| Fairfield County Connecticut | 1 | $ 216,000 | $ 216,000 | $ 70,000 |
| Broward County Florida | 1 | $ 147,000 | $ 147,000 | $ 33,000 |
| Hillsborough County Florida | 1 | $ 56,000 | $ 56,000 | $ 25,000 |
| Miami-Dade County Florida | 1 | $ 54,000 | $ 54,000 | $ 23,000 |
| Palm Beach County Florida | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Fulton County Georgia | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Richmond County Georgia | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Boone County Illinois | 1 | $ 144,000 | $ 144,000 | $ 58,000 |
| DuPage County Illinois | 1 | $ 159,000 | $ 159,000 | $ 64,000 |
| Kane County Illinois | 1 | $ 113,000 | $ 113,000 | $ 23,000 |
| Kankakee County Illinois | 1 | $ 78,000 | $ 78,000 | $ 34,000 |
| Macon County Illinois | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Winnebago County Illinois | 1 | $ 74,000 | $ 74,000 | $ 35,000 |
| Marion County Indiana | 1 | $ 100,000 | $ 100,000 | $ 20,000 |
| Frederick County Maryland | 1 | $ 186,000 | $ 186,000 | $ 45,000 |
| Prince George's County Maryland | 1 | $ 81,000 | $ 81,000 | $ 40,000 |
| Bristol County Massachusetts | 1 | $ 232,000 | $ 232,000 | $ 45,000 |
| Middlesex County Massachusetts | 1 | $ 258,000 | $ 258,000 | $ 69,000 |
| Eaton County Michigan | 1 | $ 109,000 | $ 109,000 | $ 24,000 |
| Ingham County Michigan | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Ionia County Michigan | 1 | $ 128,000 | $ 128,000 | $ 39,000 |
| Lenawee County Michigan | 1 | $ 68,000 | $ 68,000 | $ 30,000 |
| Oakland County Michigan | 1 | $ 82,000 | $ 82,000 | $ 38,000 |
| Ottawa County Michigan | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Washtenaw County Michigan | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| Albany County New York | 1 | $ 73,000 | $ 73,000 | $ 23,000 |
| Monroe County New York | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Beaufort County North Carolina | 1 | $ 13,000 | $ 13,000 | $ 17,000 |
| Burke County North Carolina | 1 | $ 58,000 | $ 58,000 | $ 31,000 |
| Cabarrus County North Carolina | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Cleveland County North Carolina | 1 | $ 64,000 | $ 64,000 | $ 26,000 |
| Columbus County North Carolina | 1 | $ 43,000 | $ 43,000 | $ 19,000 |
| Craven County North Carolina | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Davie County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| Edgecombe County North Carolina | 1 | $ 56,000 | $ 56,000 | $ 37,000 |
| Franklin County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 39,000 |
| Gaston County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Hertford County North Carolina | 1 | $ 29,000 | $ 29,000 | $ 16,000 |
| Montgomery County North Carolina | 1 | $ 36,000 | $ 36,000 | $ 26,000 |
| New Hanover County North Carolina | 1 | $ 59,000 | $ 59,000 | $ 28,000 |
| Pender County North Carolina | 1 | $ 132,000 | $ 132,000 | $ 67,000 |
| Ashland County Ohio | 1 | $ 137,000 | $ 137,000 | $ 36,000 |
| Butler County Ohio | 1 | $ 120,000 | $ 120,000 | $ 41,000 |
| Greene County Ohio | 1 | $ 133,000 | $ 133,000 | $ 36,000 |
| Jefferson County Ohio | 1 | $ 57,000 | $ 57,000 | $ 28,000 |
| Knox County Ohio | 1 | $ 117,000 | $ 117,000 | $ 58,000 |
| Miami County Ohio | 1 | $ 92,000 | $ 92,000 | $ 25,000 |
| Ottawa County Ohio | 1 | $ 64,000 | $ 64,000 | $ 27,000 |
| Pickaway County Ohio | 1 | $ 101,000 | $ 101,000 | $ 41,000 |
| Putnam County Ohio | 1 | $ 57,000 | $ 57,000 | $ 22,000 |
| Sandusky County Ohio | 1 | $ 130,000 | $ 130,000 | $ 34,000 |
| Shelby County Ohio | 1 | $ 68,000 | $ 68,000 | $ 26,000 |
| Philadelphia County Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 42,000 |
| York County Pennsylvania | 1 | $ 53,000 | $ 53,000 | $ 28,000 |
| Anderson County South Carolina | 1 | $ 78,000 | $ 78,000 | $ 29,000 |
| Dorchester County South Carolina | 1 | $ 148,000 | $ 148,000 | $ 50,000 |
| Newberry County South Carolina | 1 | $ 52,000 | $ 52,000 | $ 30,000 |
| White County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 18,000 |
| Ellis County Texas | 1 | $ 111,000 | $ 111,000 | $ 24,000 |
| Tarrant County Texas | 1 | $ 44,000 | $ 44,000 | $ 19,000 |
| Portsmouth County Virginia | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Roanoke City County Virginia | 1 | $ 97,000 | $ 97,000 | $ 0 |
Mortgage Loan Application Detail Totals for Self-Help Credit Union in 2012
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 | 208 | $19,599,000 | $94,000 | $269,000 | $33,000 | $285,000 |
| Refinancing | 23 | $1,572,000 | $68,000 | $155,000 | $44,000 | $108,000 |
| Home Improvement | 7 | $257,000 | $36,000 | $112,000 | $55,000 | $93,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 79 | $6,609,000 | $83,000 | $216,000 | $34,000 | $93,000 |
| White | 76 | $6,206,000 | $81,000 | $218,000 | $40,000 | $285,000 |
| Hispanic | 52 | $4,995,000 | $96,000 | $269,000 | $38,000 | $86,000 |
| Not applicable | 30 | $3,484,000 | $116,000 | $232,000 | $18,000 | $50,000 |
| Asian | 1 | $134,000 | $134,000 | $134,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 238 | $21,428,000 | $90,000 | $269,000 | $35,000 | $285,000 |
| 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 Purchased By The Institution | 180 | $17,502,000 | $97,000 | $269,000 | $30,000 | $70,000 |
| Loan Originated | 48 | $3,410,000 | $71,000 | $189,000 | $50,000 | $285,000 |
| Application Denied By Financial Institution | 10 | $516,000 | $51,000 | $155,000 | $47,000 | $75,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 7 | $446,000 | $63,000 | $155,000 | $45,000 | $64,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Self-Help Credit Union's 2012 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 Self-Help 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.