Self-Help Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Self-Help Credit Union 2019 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 | 1,160 |
| Total Mortgage Loan Application Amount | $239,100,000 |
| Average Mortgage Loan Application Amount | $252,000 |
| Highest Mortgage Loan Application Amount | $1,585,000 |
| Average Applicant Income | $40,000 |
| Highest Applicant Income | $188,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mecklenburg County North Carolina | 126 | $ 19,370,000 | $ 153,000 | $ 42,000 |
| Bernalillo County New Mexico | 86 | $ 10,600,000 | $ 123,000 | $ 0 |
| Wake County North Carolina | 82 | $ 14,720,000 | $ 179,000 | $ 49,000 |
| Durham County North Carolina | 57 | $ 9,245,000 | $ 162,000 | $ 48,000 |
| Forsyth County North Carolina | 57 | $ 5,725,000 | $ 100,000 | $ 36,000 |
| Gaston County North Carolina | 36 | $ 3,820,000 | $ 106,000 | $ 41,000 |
| Guilford County North Carolina | 35 | $ 5,305,000 | $ 151,000 | $ 38,000 |
| Buncombe County North Carolina | 28 | $ 4,780,000 | $ 170,000 | $ 60,000 |
| Cabarrus County North Carolina | 28 | $ 3,810,000 | $ 136,000 | $ 45,000 |
| Johnston County North Carolina | 23 | $ 3,305,000 | $ 143,000 | $ 49,000 |
| Henderson County North Carolina | 22 | $ 3,410,000 | $ 155,000 | $ 48,000 |
| Greenville County South Carolina | 22 | $ 4,210,000 | $ 191,000 | $ 39,000 |
| Pitt County North Carolina | 17 | $ 1,795,000 | $ 105,000 | $ 42,000 |
| Charleston County South Carolina | 17 | $ 3,105,000 | $ 182,000 | $ 50,000 |
| Fairfax County Virginia | 17 | $ 8,265,000 | $ 486,000 | $ 0 |
| New Hanover County North Carolina | 14 | $ 1,810,000 | $ 129,000 | $ 51,000 |
| Union County North Carolina | 13 | $ 2,645,000 | $ 203,000 | $ 55,000 |
| Richland County South Carolina | 13 | $ 2,375,000 | $ 182,000 | $ 55,000 |
| Orange County Florida | 12 | $ 2,800,000 | $ 233,000 | $ 65,000 |
| Davidson County North Carolina | 12 | $ 1,630,000 | $ 135,000 | $ 43,000 |
| Orange County North Carolina | 11 | $ 2,745,000 | $ 249,000 | $ 55,000 |
| Wilson County North Carolina | 11 | $ 645,000 | $ 58,000 | $ 34,000 |
| Cook County Illinois | 10 | $ 320,000 | $ 32,000 | $ 61,000 |
| Randolph County North Carolina | 10 | $ 1,120,000 | $ 112,000 | $ 46,000 |
| Los Angeles County California | 9 | $ 5,435,000 | $ 603,000 | $ 0 |
| Santa Fe County New Mexico | 9 | $ 2,345,000 | $ 260,000 | $ 0 |
| Franklin County North Carolina | 9 | $ 1,815,000 | $ 201,000 | $ 50,000 |
| Granville County North Carolina | 9 | $ 1,425,000 | $ 158,000 | $ 50,000 |
| Harnett County North Carolina | 9 | $ 975,000 | $ 108,000 | $ 43,000 |
| Berkeley County South Carolina | 9 | $ 1,525,000 | $ 169,000 | $ 42,000 |
| Craven County North Carolina | 8 | $ 1,380,000 | $ 172,000 | $ 0 |
| Cumberland County North Carolina | 8 | $ 2,020,000 | $ 252,000 | $ 41,000 |
| Sandoval County New Mexico | 7 | $ 985,000 | $ 140,000 | $ 0 |
| Loudoun County Virginia | 7 | $ 3,895,000 | $ 556,000 | $ 0 |
| Catawba County North Carolina | 6 | $ 1,200,000 | $ 200,000 | $ 66,000 |
| Edgecombe County North Carolina | 6 | $ 470,000 | $ 78,000 | $ 17,000 |
| Nash County North Carolina | 6 | $ 730,000 | $ 121,000 | $ 56,000 |
| Rowan County North Carolina | 6 | $ 360,000 | $ 60,000 | $ 31,000 |
| Denton County Texas | 6 | $ 3,450,000 | $ 575,000 | $ 0 |
| Duval County Florida | 5 | $ 1,525,000 | $ 305,000 | $ 55,000 |
| Lea County New Mexico | 5 | $ 795,000 | $ 159,000 | $ 0 |
| Brunswick County North Carolina | 5 | $ 905,000 | $ 181,000 | $ 40,000 |
| Iredell County North Carolina | 5 | $ 795,000 | $ 159,000 | $ 40,000 |
| Transylvania County North Carolina | 5 | $ 525,000 | $ 105,000 | $ 61,000 |
| Lexington County South Carolina | 5 | $ 855,000 | $ 171,000 | $ 50,000 |
| Spartanburg County South Carolina | 5 | $ 735,000 | $ 147,000 | $ 29,000 |
| Prince William County Virginia | 5 | $ 1,885,000 | $ 377,000 | $ 0 |
| Maricopa County Arizona | 4 | $ 1,400,000 | $ 350,000 | $ 0 |
| San Diego County California | 4 | $ 2,630,000 | $ 657,000 | $ 0 |
| Lake County Florida | 4 | $ 650,000 | $ 162,000 | $ 49,000 |
| Howard County Maryland | 4 | $ 2,080,000 | $ 520,000 | $ 0 |
| Montgomery County Maryland | 4 | $ 2,260,000 | $ 565,000 | $ 0 |
| Clark County Nevada | 4 | $ 1,460,000 | $ 365,000 | $ 0 |
| Alamance County North Carolina | 4 | $ 440,000 | $ 110,000 | $ 38,000 |
| Person County North Carolina | 4 | $ 410,000 | $ 102,000 | $ 55,000 |
| Dorchester County South Carolina | 4 | $ 920,000 | $ 230,000 | $ 0 |
| Horry County South Carolina | 4 | $ 780,000 | $ 195,000 | $ 0 |
| York County South Carolina | 4 | $ 590,000 | $ 147,000 | $ 0 |
| Alameda County California | 3 | $ 1,805,000 | $ 601,000 | $ 0 |
| Monterey County California | 3 | $ 1,685,000 | $ 561,000 | $ 0 |
| Ventura County California | 3 | $ 1,755,000 | $ 585,000 | $ 0 |
| Miami-Dade County Florida | 3 | $ 1,135,000 | $ 378,000 | $ 0 |
| Volusia County Florida | 3 | $ 485,000 | $ 161,000 | $ 58,000 |
| Chatham County North Carolina | 3 | $ 375,000 | $ 125,000 | $ 37,000 |
| Cleveland County North Carolina | 3 | $ 365,000 | $ 121,000 | $ 25,000 |
| Wayne County North Carolina | 3 | $ 275,000 | $ 91,000 | $ 28,000 |
| Lancaster County South Carolina | 3 | $ 1,055,000 | $ 351,000 | $ 45,000 |
| Comal County Texas | 3 | $ 765,000 | $ 255,000 | $ 0 |
| Orange County California | 2 | $ 1,960,000 | $ 980,000 | $ 0 |
| Placer County California | 2 | $ 1,100,000 | $ 550,000 | $ 0 |
| Riverside County California | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Sonoma County California | 2 | $ 900,000 | $ 450,000 | $ 0 |
| Broomfield County Colorado | 2 | $ 1,000,000 | $ 500,000 | $ 0 |
| District of Columbia County District Of Columbia | 2 | $ 810,000 | $ 405,000 | $ 0 |
| Hillsborough County Florida | 2 | $ 930,000 | $ 465,000 | $ 0 |
| Palm Beach County Florida | 2 | $ 1,150,000 | $ 575,000 | $ 0 |
| Fulton County Georgia | 2 | $ 1,200,000 | $ 600,000 | $ 0 |
| Hall County Georgia | 2 | $ 820,000 | $ 410,000 | $ 0 |
| Ada County Idaho | 2 | $ 960,000 | $ 480,000 | $ 0 |
| Washoe County Nevada | 2 | $ 1,860,000 | $ 930,000 | $ 0 |
| Bertie County North Carolina | 2 | $ 90,000 | $ 45,000 | $ 38,000 |
| Caldwell County North Carolina | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Carteret County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Duplin County North Carolina | 2 | $ 240,000 | $ 120,000 | $ 40,000 |
| Lenoir County North Carolina | 2 | $ 80,000 | $ 40,000 | $ 60,000 |
| Moore County North Carolina | 2 | $ 1,110,000 | $ 555,000 | $ 0 |
| Rutherford County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 24,000 |
| Stokes County North Carolina | 2 | $ 370,000 | $ 185,000 | $ 57,000 |
| Warren County Ohio | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Lancaster County Pennsylvania | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Anderson County South Carolina | 2 | $ 440,000 | $ 220,000 | $ 45,000 |
| Barnwell County South Carolina | 2 | $ 30,000 | $ 15,000 | $ 48,000 |
| Chester County South Carolina | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Georgetown County South Carolina | 2 | $ 880,000 | $ 440,000 | $ 0 |
| Pickens County South Carolina | 2 | $ 740,000 | $ 370,000 | $ 40,000 |
| Montgomery County Texas | 2 | $ 730,000 | $ 365,000 | $ 0 |
| Tarrant County Texas | 2 | $ 1,320,000 | $ 660,000 | $ 0 |
| Travis County Texas | 2 | $ 930,000 | $ 465,000 | $ 0 |
| Alexandria County Virginia | 2 | $ 650,000 | $ 325,000 | $ 0 |
| Arlington County Virginia | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Chesterfield County Virginia | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Greensville County Virginia | 2 | $ 150,000 | $ 75,000 | $ 0 |
| King County Washington | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Snohomish County Washington | 2 | $ 1,350,000 | $ 675,000 | $ 0 |
| Blount County Alabama | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Winston County Alabama | 1 | $ 295,000 | $ 295,000 | $ 0 |
| La Paz County Arizona | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Contra Costa County California | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Santa Barbara County California | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Tulare County California | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Yolo County California | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Clear Creek County Colorado | 1 | $ 295,000 | $ 295,000 | $ 0 |
| El Paso County Colorado | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 705,000 | $ 705,000 | $ 0 |
| La Plata County Colorado | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Fairfield County Connecticut | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Sussex County Delaware | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Bay County Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Broward County Florida | 1 | $ 865,000 | $ 865,000 | $ 0 |
| Collier County Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Indian River County Florida | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Nassau County Florida | 1 | $ 315,000 | $ 315,000 | $ 132,000 |
| Okaloosa County Florida | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Pasco County Florida | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Sumter County Florida | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Cherokee County Georgia | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Cobb County Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Columbia County Georgia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Fayette County Georgia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Franklin County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| McDuffie County Georgia | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Rabun County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Wilcox County Georgia | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Morgan County Indiana | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Sedgwick County Kansas | 1 | $ 355,000 | $ 355,000 | $ 0 |
| East Baton Rouge County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Calvert County Maryland | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Frederick County Maryland | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Harford County Maryland | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Prince George's County Maryland | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Essex County Massachusetts | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Worcester County Massachusetts | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Oakland County Michigan | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Dakota County Minnesota | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Wright County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Strafford County New Hampshire | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Mercer County New Jersey | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Middlesex County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Albany County New York | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Kings County New York | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Queens County New York | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Suffolk County New York | 1 | $ 1,035,000 | $ 1,035,000 | $ 0 |
| Beaufort County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Burke County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Chowan County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Greene County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Halifax County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Haywood County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lee County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Lincoln County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| McDowell County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Montgomery County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Pasquotank County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Robeson County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Rockingham County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Sampson County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Surry County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Vance County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
| Yancey County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Butler County Ohio | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Summit County Ohio | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Washington County Oregon | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Lackawanna County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Aiken County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Laurens County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Codington County South Dakota | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Bradley County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 795,000 | $ 795,000 | $ 0 |
| Collin County Texas | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Fort Bend County Texas | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Harris County Texas | 1 | $ 475,000 | $ 475,000 | $ 0 |
| McLennan County Texas | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Salt Lake County Utah | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Utah County Utah | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Albemarle County Virginia | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Bedford County Virginia | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Campbell County Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Goochland County Virginia | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Hanover County Virginia | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Mecklenburg County Virginia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Middlesex County Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pittsylvania County Virginia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Rockbridge County Virginia | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Spotsylvania County Virginia | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Suffolk County Virginia | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Winchester County Virginia | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Milwaukee County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 0 |
Mortgage Loan Application Detail Totals for Self-Help Credit Union in 2019
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 | 987 | $183,005,000 | $185,000 | $1,335,000 | $46,000 | $188,000 |
| Refinancing | 70 | $18,340,000 | $262,000 | $1,145,000 | $49,000 | $78,000 |
| Cash-out Refinancing | 58 | $27,960,000 | $482,000 | $885,000 | $0 | $0 |
| Home Improvement | 34 | $9,090,000 | $267,000 | $1,585,000 | $53,000 | $96,000 |
| Other Purpose | 11 | $705,000 | $64,000 | $105,000 | $52,000 | $126,000 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 590 | $175,670,000 | $297,000 | $1,585,000 | $71,000 | $71,000 |
| Hispanic | 393 | $52,085,000 | $132,000 | $315,000 | $46,000 | $188,000 |
| Black or African American | 113 | $6,635,000 | $58,000 | $295,000 | $45,000 | $177,000 |
| White | 44 | $2,570,000 | $58,000 | $315,000 | $52,000 | $132,000 |
| Not Provided | 12 | $1,720,000 | $143,000 | $215,000 | $37,000 | $57,000 |
| Asian | 8 | $420,000 | $52,000 | $165,000 | $36,000 | $45,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,160 | $239,100,000 | $206,000 | $1,585,000 | $46,000 | $188,000 |
| 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 | 586 | $174,030,000 | $296,000 | $1,585,000 | $0 | $0 |
| Loan Originated | 434 | $50,330,000 | $115,000 | $1,335,000 | $46,000 | $177,000 |
| Application Denied By Financial Institution | 88 | $8,230,000 | $93,000 | $315,000 | $47,000 | $188,000 |
| Application Withdrawn By Applicant | 37 | $4,815,000 | $130,000 | $225,000 | $45,000 | $78,000 |
| Application Approved But Not Accepted | 15 | $1,695,000 | $113,000 | $255,000 | $38,000 | $59,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,072 | $230,870,000 | $215,000 | $1,585,000 | $46,000 | $177,000 |
| Collateral | 33 | $4,055,000 | $122,000 | $255,000 | $44,000 | $75,000 |
| Unverifiable Information | 21 | $2,175,000 | $103,000 | $315,000 | $48,000 | $188,000 |
| Debt-To-Income Ratio | 13 | $1,225,000 | $94,000 | $275,000 | $49,000 | $124,000 |
| Credit History | 10 | $480,000 | $48,000 | $125,000 | $48,000 | $78,000 |
| Other | 9 | $135,000 | $15,000 | $15,000 | $58,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $33,000 | $33,000 |
| Credit Application Incomplete | 1 | $15,000 | $15,000 | $15,000 | $48,000 | $48,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Self-Help Credit Union's 2019 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.