Self-Help Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Self-Help Credit Union 2015 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 | 873 |
| Total Mortgage Loan Application Amount | $84,064,000 |
| Average Mortgage Loan Application Amount | $76,666 |
| Highest Mortgage Loan Application Amount | $1,050,000 |
| Average Applicant Income | $24,666 |
| Highest Applicant Income | $219,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Multnomah County Oregon | 147 | $ 1,784,000 | $ 12,000 | $ 0 |
| Wake County North Carolina | 116 | $ 18,235,000 | $ 157,000 | $ 13,000 |
| Guilford County North Carolina | 76 | $ 8,245,000 | $ 108,000 | $ 21,000 |
| Mecklenburg County North Carolina | 73 | $ 9,642,000 | $ 132,000 | $ 13,000 |
| Forsyth County North Carolina | 69 | $ 5,741,000 | $ 83,000 | $ 23,000 |
| Durham County North Carolina | 53 | $ 6,774,000 | $ 127,000 | $ 27,000 |
| Buncombe County North Carolina | 35 | $ 3,538,000 | $ 101,000 | $ 35,000 |
| Hidalgo County Texas | 23 | $ 1,687,000 | $ 73,000 | $ 0 |
| Union County North Carolina | 19 | $ 3,210,000 | $ 168,000 | $ 4,000 |
| Pitt County North Carolina | 17 | $ 2,192,000 | $ 128,000 | $ 0 |
| Santa Fe County New Mexico | 14 | $ 1,893,000 | $ 135,000 | $ 0 |
| Craven County North Carolina | 12 | $ 1,590,000 | $ 132,000 | $ 0 |
| New Hanover County North Carolina | 12 | $ 1,089,000 | $ 90,000 | $ 38,000 |
| Randolph County North Carolina | 12 | $ 1,190,000 | $ 99,000 | $ 17,000 |
| Wilson County North Carolina | 12 | $ 543,000 | $ 45,000 | $ 37,000 |
| Henderson County North Carolina | 11 | $ 1,205,000 | $ 109,000 | $ 63,000 |
| Washington County Oregon | 10 | $ 127,000 | $ 12,000 | $ 0 |
| Alamance County North Carolina | 9 | $ 783,000 | $ 87,000 | $ 28,000 |
| Johnston County North Carolina | 9 | $ 1,033,000 | $ 114,000 | $ 29,000 |
| Transylvania County North Carolina | 9 | $ 449,000 | $ 49,000 | $ 36,000 |
| Clackamas County Oregon | 8 | $ 98,000 | $ 12,000 | $ 0 |
| Cabarrus County North Carolina | 7 | $ 855,000 | $ 122,000 | $ 10,000 |
| Catawba County North Carolina | 7 | $ 560,000 | $ 80,000 | $ 28,000 |
| Davidson County North Carolina | 7 | $ 496,000 | $ 70,000 | $ 27,000 |
| Iredell County North Carolina | 6 | $ 460,000 | $ 76,000 | $ 30,000 |
| Lee County North Carolina | 6 | $ 634,000 | $ 105,000 | $ 44,000 |
| Brunswick County North Carolina | 5 | $ 288,000 | $ 57,000 | $ 29,000 |
| Burke County North Carolina | 5 | $ 401,000 | $ 80,000 | $ 37,000 |
| Scotland County North Carolina | 5 | $ 398,000 | $ 79,000 | $ 43,000 |
| Roanoke City County Virginia | 5 | $ 554,000 | $ 110,000 | $ 0 |
| Bernalillo County New Mexico | 4 | $ 447,000 | $ 111,000 | $ 0 |
| Chatham County North Carolina | 3 | $ 254,000 | $ 84,000 | $ 48,000 |
| Gaston County North Carolina | 3 | $ 344,000 | $ 114,000 | $ 10,000 |
| Harnett County North Carolina | 3 | $ 197,000 | $ 65,000 | $ 39,000 |
| Haywood County North Carolina | 3 | $ 327,000 | $ 109,000 | $ 49,000 |
| Pender County North Carolina | 3 | $ 296,000 | $ 98,000 | $ 10,000 |
| Rockingham County North Carolina | 3 | $ 281,000 | $ 93,000 | $ 22,000 |
| Wayne County North Carolina | 3 | $ 168,000 | $ 56,000 | $ 23,000 |
| Yadkin County North Carolina | 3 | $ 273,000 | $ 91,000 | $ 20,000 |
| Carteret County North Carolina | 2 | $ 179,000 | $ 89,000 | $ 0 |
| Cumberland County North Carolina | 2 | $ 164,000 | $ 82,000 | $ 0 |
| Halifax County North Carolina | 2 | $ 86,000 | $ 43,000 | $ 50,000 |
| Lenoir County North Carolina | 2 | $ 228,000 | $ 114,000 | $ 0 |
| Orange County North Carolina | 2 | $ 397,000 | $ 198,000 | $ 57,000 |
| Rowan County North Carolina | 2 | $ 169,000 | $ 84,000 | $ 0 |
| Wilkes County North Carolina | 2 | $ 155,000 | $ 77,000 | $ 0 |
| York County South Carolina | 2 | $ 267,000 | $ 133,000 | $ 0 |
| Lynchburg County Virginia | 2 | $ 149,000 | $ 74,000 | $ 0 |
| Roanoke County Virginia | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Jackson County Georgia | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Westchester County New York | 1 | $ 1,050,000 | $ 1,050,000 | $ 0 |
| Beaufort County North Carolina | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Caswell County North Carolina | 1 | $ 67,000 | $ 67,000 | $ 18,000 |
| Clay County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 44,000 |
| Cleveland County North Carolina | 1 | $ 76,000 | $ 76,000 | $ 44,000 |
| Dare County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 49,000 |
| Davie County North Carolina | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Franklin County North Carolina | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Granville County North Carolina | 1 | $ 118,000 | $ 118,000 | $ 63,000 |
| Lincoln County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Macon County North Carolina | 1 | $ 79,000 | $ 79,000 | $ 95,000 |
| Polk County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| Stokes County North Carolina | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Swain County North Carolina | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Watauga County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Chesterfield County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Lexington County South Carolina | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Richland County South Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Spartanburg County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Carroll County Virginia | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Mecklenburg County Virginia | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Salem County Virginia | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Westmoreland County Virginia | 1 | $ 143,000 | $ 143,000 | $ 0 |
Mortgage Loan Application Detail Totals for Self-Help Credit Union in 2015
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 | 646 | $78,110,000 | $120,000 | $510,000 | $16,000 | $139,000 |
| Home Improvement | 198 | $3,210,000 | $16,000 | $75,000 | $9,000 | $219,000 |
| Refinancing | 29 | $2,744,000 | $94,000 | $1,050,000 | $49,000 | $121,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 532 | $53,436,000 | $100,000 | $1,050,000 | $0 | $0 |
| Hispanic | 272 | $25,912,000 | $95,000 | $357,000 | $38,000 | $139,000 |
| White | 50 | $3,358,000 | $67,000 | $295,000 | $57,000 | $219,000 |
| Black or African American | 17 | $1,038,000 | $61,000 | $129,000 | $44,000 | $100,000 |
| Asian | 2 | $320,000 | $160,000 | $250,000 | $51,000 | $83,000 |
| 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) | 873 | $84,064,000 | $96,000 | $1,050,000 | $16,000 | $219,000 |
| 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 | 529 | $51,764,000 | $97,000 | $397,000 | $0 | $0 |
| Loan Originated | 238 | $23,240,000 | $97,000 | $1,050,000 | $39,000 | $219,000 |
| Application Denied By Financial Institution | 74 | $5,967,000 | $80,000 | $295,000 | $42,000 | $126,000 |
| Application Withdrawn By Applicant | 27 | $2,709,000 | $100,000 | $335,000 | $47,000 | $139,000 |
| Application Approved But Not Accepted | 5 | $384,000 | $76,000 | $119,000 | $39,000 | $49,000 |
| File Closed For Incompleteness | 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 | 37 | $3,100,000 | $83,000 | $133,000 | $36,000 | $100,000 |
| Credit History | 5 | $600,000 | $120,000 | $295,000 | $64,000 | $126,000 |
| Unverifiable Information | 5 | $556,000 | $111,000 | $153,000 | $39,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $344,000 | $86,000 | $128,000 | $36,000 | $52,000 |
| Debt-To-Income Ratio | 4 | $469,000 | $117,000 | $144,000 | $49,000 | $76,000 |
| Employment History | 1 | $93,000 | $93,000 | $93,000 | $31,000 | $31,000 |
| Credit Application Incomplete | 1 | $110,000 | $110,000 | $110,000 | $53,000 | $53,000 |
| Other | 1 | $68,000 | $68,000 | $68,000 | $17,000 | $17,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Self-Help Credit Union's 2015 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.