Self-Help Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Self-Help Credit Union 2021 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 | 902 |
| Total Mortgage Loan Application Amount | $171,050,000 |
| Average Mortgage Loan Application Amount | $1,263,666 |
| Highest Mortgage Loan Application Amount | $6,905,000 |
| Average Applicant Income | $34,000 |
| Highest Applicant Income | $257,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oneida County New York | 105 | $ 15,695,000 | $ 149,000 | $ 0 |
| Mecklenburg County North Carolina | 73 | $ 16,445,000 | $ 225,000 | $ 61,000 |
| Onondaga County New York | 66 | $ 10,510,000 | $ 159,000 | $ 0 |
| Bernalillo County New Mexico | 61 | $ 8,875,000 | $ 145,000 | $ 45,000 |
| Wake County North Carolina | 43 | $ 9,255,000 | $ 215,000 | $ 58,000 |
| Madison County New York | 29 | $ 4,155,000 | $ 143,000 | $ 0 |
| Jefferson County New York | 27 | $ 4,955,000 | $ 183,000 | $ 0 |
| Johnston County North Carolina | 26 | $ 5,520,000 | $ 212,000 | $ 59,000 |
| Forsyth County North Carolina | 25 | $ 4,055,000 | $ 162,000 | $ 45,000 |
| Herkimer County New York | 20 | $ 2,590,000 | $ 129,000 | $ 0 |
| Guilford County North Carolina | 18 | $ 3,470,000 | $ 192,000 | $ 56,000 |
| Buncombe County North Carolina | 17 | $ 3,775,000 | $ 222,000 | $ 59,000 |
| Santa Fe County New Mexico | 16 | $ 3,160,000 | $ 197,000 | $ 48,000 |
| Duval County Florida | 15 | $ 2,805,000 | $ 187,000 | $ 59,000 |
| Gaston County North Carolina | 15 | $ 2,435,000 | $ 162,000 | $ 38,000 |
| Orange County Florida | 14 | $ 3,180,000 | $ 227,000 | $ 59,000 |
| Alamance County North Carolina | 14 | $ 2,560,000 | $ 182,000 | $ 56,000 |
| Randolph County North Carolina | 14 | $ 2,150,000 | $ 153,000 | $ 57,000 |
| Durham County North Carolina | 13 | $ 2,685,000 | $ 206,000 | $ 62,000 |
| Oswego County New York | 10 | $ 1,470,000 | $ 147,000 | $ 0 |
| Harnett County North Carolina | 10 | $ 1,850,000 | $ 185,000 | $ 58,000 |
| Union County North Carolina | 10 | $ 8,830,000 | $ 883,000 | $ 50,000 |
| Richland County South Carolina | 10 | $ 1,680,000 | $ 168,000 | $ 55,000 |
| Franklin County North Carolina | 9 | $ 1,675,000 | $ 186,000 | $ 58,000 |
| Spartanburg County South Carolina | 9 | $ 1,385,000 | $ 153,000 | $ 53,000 |
| Volusia County Florida | 8 | $ 1,200,000 | $ 150,000 | $ 43,000 |
| Cayuga County New York | 8 | $ 940,000 | $ 117,000 | $ 0 |
| Cabarrus County North Carolina | 8 | $ 1,700,000 | $ 212,000 | $ 52,000 |
| Wilson County North Carolina | 8 | $ 1,330,000 | $ 166,000 | $ 49,000 |
| Brunswick County North Carolina | 7 | $ 1,015,000 | $ 145,000 | $ 51,000 |
| Granville County North Carolina | 7 | $ 1,035,000 | $ 147,000 | $ 44,000 |
| Lake County Florida | 6 | $ 1,330,000 | $ 221,000 | $ 54,000 |
| Valencia County New Mexico | 6 | $ 1,020,000 | $ 170,000 | $ 50,000 |
| Cumberland County North Carolina | 6 | $ 760,000 | $ 126,000 | $ 39,000 |
| Henderson County North Carolina | 6 | $ 1,250,000 | $ 208,000 | $ 57,000 |
| Greenville County South Carolina | 6 | $ 1,080,000 | $ 180,000 | $ 50,000 |
| Polk County Florida | 5 | $ 1,045,000 | $ 209,000 | $ 64,000 |
| Sandoval County New Mexico | 5 | $ 1,245,000 | $ 249,000 | $ 70,000 |
| Lewis County New York | 5 | $ 645,000 | $ 129,000 | $ 0 |
| Craven County North Carolina | 5 | $ 925,000 | $ 185,000 | $ 55,000 |
| Burke County North Carolina | 4 | $ 710,000 | $ 177,000 | $ 50,000 |
| Catawba County North Carolina | 4 | $ 780,000 | $ 195,000 | $ 60,000 |
| Edgecombe County North Carolina | 4 | $ 520,000 | $ 130,000 | $ 40,000 |
| Haywood County North Carolina | 4 | $ 650,000 | $ 162,000 | $ 34,000 |
| New Hanover County North Carolina | 4 | $ 710,000 | $ 177,000 | $ 48,000 |
| Pitt County North Carolina | 4 | $ 330,000 | $ 82,000 | $ 47,000 |
| Vance County North Carolina | 4 | $ 540,000 | $ 135,000 | $ 41,000 |
| Lexington County South Carolina | 4 | $ 520,000 | $ 130,000 | $ 48,000 |
| York County South Carolina | 4 | $ 720,000 | $ 180,000 | $ 46,000 |
| Cortland County New York | 3 | $ 325,000 | $ 108,000 | $ 0 |
| Caldwell County North Carolina | 3 | $ 385,000 | $ 128,000 | $ 41,000 |
| Lenoir County North Carolina | 3 | $ 275,000 | $ 91,000 | $ 47,000 |
| Orange County North Carolina | 3 | $ 555,000 | $ 185,000 | $ 51,000 |
| Dorchester County South Carolina | 3 | $ 485,000 | $ 161,000 | $ 46,000 |
| Kershaw County South Carolina | 3 | $ 765,000 | $ 255,000 | $ 89,000 |
| Lancaster County South Carolina | 3 | $ 1,205,000 | $ 401,000 | $ 146,000 |
| Pickens County South Carolina | 3 | $ 645,000 | $ 215,000 | $ 63,000 |
| Hillsborough County Florida | 2 | $ 470,000 | $ 235,000 | $ 79,000 |
| Pinellas County Florida | 2 | $ 440,000 | $ 220,000 | $ 45,000 |
| Seminole County Florida | 2 | $ 620,000 | $ 310,000 | $ 75,000 |
| St. Johns County Florida | 2 | $ 580,000 | $ 290,000 | $ 94,000 |
| Eddy County New Mexico | 2 | $ 360,000 | $ 180,000 | $ 47,000 |
| Cleveland County North Carolina | 2 | $ 270,000 | $ 135,000 | $ 54,000 |
| Davidson County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 40,000 |
| Lincoln County North Carolina | 2 | $ 360,000 | $ 180,000 | $ 45,000 |
| Nash County North Carolina | 2 | $ 200,000 | $ 100,000 | $ 48,000 |
| Onslow County North Carolina | 2 | $ 300,000 | $ 150,000 | $ 73,000 |
| Rutherford County North Carolina | 2 | $ 360,000 | $ 180,000 | $ 57,000 |
| Anderson County South Carolina | 2 | $ 590,000 | $ 295,000 | $ 94,000 |
| Charleston County South Carolina | 2 | $ 590,000 | $ 295,000 | $ 79,000 |
| Chesterfield County South Carolina | 2 | $ 270,000 | $ 135,000 | $ 41,000 |
| Bedford County Virginia | 2 | $ 220,000 | $ 110,000 | $ 36,000 |
| Danville County Virginia | 2 | $ 190,000 | $ 95,000 | $ 35,000 |
| Lynchburg County Virginia | 2 | $ 380,000 | $ 190,000 | $ 42,000 |
| San Bernardino County California | 1 | $ 405,000 | $ 405,000 | $ 0 |
| San Joaquin County California | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Columbia County Florida | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Columbia County Georgia | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Hart County Georgia | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Cook County Illinois | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| Lea County New Mexico | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Albany County New York | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Chenango County New York | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fulton County New York | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Monroe County New York | 1 | $ 155,000 | $ 155,000 | $ 0 |
| St. Lawrence County New York | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Wayne County New York | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Ashe County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Carteret County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 42,000 |
| Caswell County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Chatham County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Columbus County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 12,000 |
| Greene County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Halifax County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Lee County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| McDowell County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Pamlico County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Person County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 27,000 |
| Rowan County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Stanly County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Surry County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Watauga County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Wayne County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Wilkes County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Yadkin County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Beaufort County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Cherokee County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Florence County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Greenwood County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Orangeburg County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 19,000 |
| Harris County Texas | 1 | $ 6,105,000 | $ 6,105,000 | $ 0 |
| King William County Virginia | 1 | $ 215,000 | $ 215,000 | $ 86,000 |
| Lunenburg County Virginia | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Mecklenburg County Virginia | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Pittsylvania County Virginia | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Roanoke County Virginia | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Roanoke City County Virginia | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Self-Help Credit Union in 2021
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 | 875 | $153,895,000 | $175,000 | $495,000 | $54,000 | $257,000 |
| Refinancing | 23 | $3,255,000 | $141,000 | $285,000 | $48,000 | $78,000 |
| Other Purpose | 4 | $13,900,000 | $3,475,000 | $6,905,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Hispanic | 425 | $77,155,000 | $181,000 | $385,000 | $51,000 | $257,000 |
| Not applicable | 284 | $56,710,000 | $199,000 | $6,905,000 | $0 | $0 |
| White | 95 | $16,685,000 | $175,000 | $425,000 | $54,000 | $167,000 |
| Black or African American | 82 | $16,640,000 | $202,000 | $495,000 | $61,000 | $183,000 |
| Not Provided | 8 | $1,790,000 | $223,000 | $335,000 | $73,000 | $135,000 |
| Asian | 7 | $1,895,000 | $270,000 | $485,000 | $90,000 | $249,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $46,000 | $46,000 |
| 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) | 902 | $171,050,000 | $189,000 | $6,905,000 | $53,000 | $257,000 |
| 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 | 567 | $95,695,000 | $168,000 | $495,000 | $53,000 | $249,000 |
| Loan Originated | 250 | $59,030,000 | $236,000 | $6,905,000 | $53,000 | $167,000 |
| Application Denied By Financial Institution | 53 | $9,895,000 | $186,000 | $335,000 | $46,000 | $123,000 |
| Application Withdrawn By Applicant | 26 | $5,110,000 | $196,000 | $315,000 | $67,000 | $257,000 |
| Application Approved But Not Accepted | 6 | $1,320,000 | $220,000 | $355,000 | $67,000 | $149,000 |
| 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 | 849 | $161,155,000 | $189,000 | $6,905,000 | $54,000 | $257,000 |
| Collateral | 20 | $3,580,000 | $179,000 | $225,000 | $49,000 | $123,000 |
| Unverifiable Information | 17 | $3,745,000 | $220,000 | $335,000 | $48,000 | $93,000 |
| Credit History | 7 | $1,025,000 | $146,000 | $185,000 | $40,000 | $58,000 |
| Employment History | 4 | $610,000 | $152,000 | $165,000 | $42,000 | $48,000 |
| Debt-To-Income Ratio | 3 | $515,000 | $171,000 | $185,000 | $39,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $420,000 | $210,000 | $265,000 | $48,000 | $56,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Self-Help Credit Union's 2021 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.