Self-Help Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Self-Help Credit Union 2023 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 | 447 |
| Total Mortgage Loan Application Amount | $117,105,000 |
| Average Mortgage Loan Application Amount | $198,200 |
| Highest Mortgage Loan Application Amount | $1,435,000 |
| Average Applicant Income | $91,600 |
| Highest Applicant Income | $511,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wake County North Carolina | 44 | $ 15,610,000 | $ 354,000 | $ 103,000 |
| Bernalillo County New Mexico | 29 | $ 5,005,000 | $ 172,000 | $ 63,000 |
| Mecklenburg County North Carolina | 22 | $ 6,620,000 | $ 300,000 | $ 87,000 |
| Johnston County North Carolina | 17 | $ 5,245,000 | $ 308,000 | $ 92,000 |
| Los Angeles County California | 15 | $ 7,055,000 | $ 470,000 | $ 121,000 |
| Buncombe County North Carolina | 14 | $ 3,970,000 | $ 283,000 | $ 64,000 |
| Lea County New Mexico | 12 | $ 1,460,000 | $ 121,000 | $ 65,000 |
| Guilford County North Carolina | 11 | $ 2,555,000 | $ 232,000 | $ 62,000 |
| San Bernardino County California | 10 | $ 4,060,000 | $ 406,000 | $ 113,000 |
| Henderson County North Carolina | 9 | $ 2,205,000 | $ 245,000 | $ 67,000 |
| Orange County Florida | 8 | $ 2,180,000 | $ 272,000 | $ 80,000 |
| Hennepin County Minnesota | 8 | $ 1,840,000 | $ 230,000 | $ 65,000 |
| Durham County North Carolina | 8 | $ 3,300,000 | $ 412,000 | $ 68,000 |
| Forsyth County North Carolina | 8 | $ 1,260,000 | $ 157,000 | $ 51,000 |
| Greenville County South Carolina | 8 | $ 1,930,000 | $ 241,000 | $ 59,000 |
| Richland County South Carolina | 8 | $ 1,780,000 | $ 222,000 | $ 61,000 |
| Riverside County California | 6 | $ 3,020,000 | $ 503,000 | $ 135,000 |
| Duval County Florida | 6 | $ 1,170,000 | $ 195,000 | $ 74,000 |
| Ramsey County Minnesota | 6 | $ 1,350,000 | $ 225,000 | $ 57,000 |
| Spartanburg County South Carolina | 6 | $ 1,390,000 | $ 231,000 | $ 72,000 |
| Santa Fe County New Mexico | 5 | $ 1,195,000 | $ 239,000 | $ 75,000 |
| Alamance County North Carolina | 5 | $ 875,000 | $ 175,000 | $ 50,000 |
| Franklin County North Carolina | 5 | $ 1,265,000 | $ 253,000 | $ 69,000 |
| Gaston County North Carolina | 5 | $ 1,355,000 | $ 271,000 | $ 73,000 |
| Anoka County Minnesota | 4 | $ 1,100,000 | $ 275,000 | $ 78,000 |
| Eddy County New Mexico | 4 | $ 880,000 | $ 220,000 | $ 111,000 |
| Harnett County North Carolina | 4 | $ 870,000 | $ 217,000 | $ 59,000 |
| Lee County North Carolina | 4 | $ 880,000 | $ 220,000 | $ 59,000 |
| Orange County North Carolina | 4 | $ 1,340,000 | $ 335,000 | $ 91,000 |
| Vance County North Carolina | 4 | $ 640,000 | $ 160,000 | $ 51,000 |
| Anderson County South Carolina | 4 | $ 650,000 | $ 162,000 | $ 52,000 |
| Charleston County South Carolina | 4 | $ 1,180,000 | $ 295,000 | $ 68,000 |
| Horry County South Carolina | 4 | $ 1,250,000 | $ 312,000 | $ 82,000 |
| Milwaukee County Wisconsin | 4 | $ 700,000 | $ 175,000 | $ 69,000 |
| Lake County Florida | 3 | $ 615,000 | $ 205,000 | $ 59,000 |
| Manatee County Florida | 3 | $ 815,000 | $ 271,000 | $ 142,000 |
| Osceola County Florida | 3 | $ 855,000 | $ 285,000 | $ 87,000 |
| Catawba County North Carolina | 3 | $ 475,000 | $ 158,000 | $ 89,000 |
| Nash County North Carolina | 3 | $ 545,000 | $ 181,000 | $ 40,000 |
| Randolph County North Carolina | 3 | $ 555,000 | $ 185,000 | $ 47,000 |
| Wayne County North Carolina | 3 | $ 635,000 | $ 211,000 | $ 50,000 |
| Wilson County North Carolina | 3 | $ 545,000 | $ 181,000 | $ 62,000 |
| Berkeley County South Carolina | 3 | $ 785,000 | $ 261,000 | $ 64,000 |
| Dorchester County South Carolina | 3 | $ 835,000 | $ 278,000 | $ 74,000 |
| Lexington County South Carolina | 3 | $ 755,000 | $ 251,000 | $ 66,000 |
| Maricopa County Arizona | 2 | $ 700,000 | $ 350,000 | $ 85,000 |
| Alachua County Florida | 2 | $ 190,000 | $ 95,000 | $ 74,000 |
| DeKalb County Georgia | 2 | $ 520,000 | $ 260,000 | $ 100,000 |
| Sandoval County New Mexico | 2 | $ 370,000 | $ 185,000 | $ 65,000 |
| Brunswick County North Carolina | 2 | $ 540,000 | $ 270,000 | $ 77,000 |
| Craven County North Carolina | 2 | $ 370,000 | $ 185,000 | $ 70,000 |
| Edgecombe County North Carolina | 2 | $ 330,000 | $ 165,000 | $ 41,000 |
| Iredell County North Carolina | 2 | $ 550,000 | $ 275,000 | $ 73,000 |
| McDowell County North Carolina | 2 | $ 440,000 | $ 220,000 | $ 74,000 |
| New Hanover County North Carolina | 2 | $ 540,000 | $ 270,000 | $ 67,000 |
| Onslow County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 48,000 |
| Person County North Carolina | 2 | $ 370,000 | $ 185,000 | $ 69,000 |
| Rowan County North Carolina | 2 | $ 420,000 | $ 210,000 | $ 57,000 |
| Sampson County North Carolina | 2 | $ 350,000 | $ 175,000 | $ 56,000 |
| Georgetown County South Carolina | 2 | $ 340,000 | $ 170,000 | $ 49,000 |
| Lancaster County South Carolina | 2 | $ 410,000 | $ 205,000 | $ 61,000 |
| Orangeburg County South Carolina | 2 | $ 480,000 | $ 240,000 | $ 60,000 |
| Carroll County Virginia | 2 | $ 140,000 | $ 70,000 | $ 39,000 |
| Pinal County Arizona | 1 | $ 275,000 | $ 275,000 | $ 58,000 |
| Orange County California | 1 | $ 495,000 | $ 495,000 | $ 145,000 |
| San Diego County California | 1 | $ 415,000 | $ 415,000 | $ 152,000 |
| Hartford County Connecticut | 1 | $ 235,000 | $ 235,000 | $ 98,000 |
| Broward County Florida | 1 | $ 355,000 | $ 355,000 | $ 77,000 |
| Charlotte County Florida | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Pinellas County Florida | 1 | $ 245,000 | $ 245,000 | $ 68,000 |
| Polk County Florida | 1 | $ 275,000 | $ 275,000 | $ 73,000 |
| Sarasota County Florida | 1 | $ 325,000 | $ 325,000 | $ 109,000 |
| Seminole County Florida | 1 | $ 185,000 | $ 185,000 | $ 40,000 |
| Volusia County Florida | 1 | $ 285,000 | $ 285,000 | $ 75,000 |
| Cherokee County Georgia | 1 | $ 295,000 | $ 295,000 | $ 84,000 |
| Hart County Georgia | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Newton County Georgia | 1 | $ 435,000 | $ 435,000 | $ 144,000 |
| Cook County Illinois | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Lake County Indiana | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| Baltimore County Maryland | 1 | $ 195,000 | $ 195,000 | $ 175,000 |
| Baltimore City County Maryland | 1 | $ 275,000 | $ 275,000 | $ 158,000 |
| Wayne County Michigan | 1 | $ 55,000 | $ 55,000 | $ 108,000 |
| Dakota County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Washington County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Douglas County Nebraska | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Essex County New Jersey | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Chaves County New Mexico | 1 | $ 145,000 | $ 145,000 | $ 166,000 |
| Rio Arriba County New Mexico | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Valencia County New Mexico | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Bladen County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Burke County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Cleveland County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 60,000 |
| Cumberland County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Davidson County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Gates County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 131,000 |
| Granville County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 82,000 |
| Greene County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Haywood County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Hertford County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Hoke County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 50,000 |
| Pender County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Pitt County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 57,000 |
| Robeson County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
| Stanly County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Stokes County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
| Union County North Carolina | 1 | $ 415,000 | $ 415,000 | $ 204,000 |
| Philadelphia County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 227,000 |
| Providence County Rhode Island | 1 | $ 205,000 | $ 205,000 | $ 89,000 |
| Aiken County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Cherokee County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Dillon County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Greenwood County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Pickens County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 34,000 |
| Union County South Carolina | 1 | $ 245,000 | $ 245,000 | $ 62,000 |
| York County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Brazoria County Texas | 1 | $ 245,000 | $ 245,000 | $ 205,000 |
| Denton County Texas | 1 | $ 275,000 | $ 275,000 | $ 114,000 |
| Galveston County Texas | 1 | $ 595,000 | $ 595,000 | $ 511,000 |
| Harris County Texas | 1 | $ 175,000 | $ 175,000 | $ 139,000 |
| Tarrant County Texas | 1 | $ 165,000 | $ 165,000 | $ 231,000 |
| Chesapeake County Virginia | 1 | $ 85,000 | $ 85,000 | $ 143,000 |
| Danville County Virginia | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Montgomery County Virginia | 1 | $ 235,000 | $ 235,000 | $ 56,000 |
| Roanoke County Virginia | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Grays Harbor County Washington | 1 | $ 335,000 | $ 335,000 | $ 195,000 |
| Snohomish County Washington | 1 | $ 475,000 | $ 475,000 | $ 271,000 |
Mortgage Loan Application Detail Totals for Self-Help Credit Union 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 Purchase | 429 | $113,565,000 | $264,000 | $1,435,000 | $79,000 | $511,000 |
| Cash-out Refinancing | 10 | $2,440,000 | $244,000 | $555,000 | $158,000 | $271,000 |
| Refinancing | 5 | $665,000 | $133,000 | $255,000 | $106,000 | $231,000 |
| Other Purpose | 2 | $170,000 | $85,000 | $85,000 | $20,000 | $41,000 |
| Home Improvement | 1 | $265,000 | $265,000 | $265,000 | $95,000 | $95,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 199 | $44,185,000 | $222,000 | $625,000 | $71,000 | $300,000 |
| White | 113 | $31,665,000 | $280,000 | $585,000 | $80,000 | $239,000 |
| Black or African American | 110 | $29,250,000 | $265,000 | $635,000 | $93,000 | $511,000 |
| Asian | 12 | $5,900,000 | $491,000 | $695,000 | $133,000 | $167,000 |
| Not Provided | 9 | $2,175,000 | $241,000 | $505,000 | $76,000 | $122,000 |
| Not applicable | 4 | $3,930,000 | $982,000 | $1,435,000 | $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 |
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) | 447 | $117,105,000 | $261,000 | $1,435,000 | $80,000 | $511,000 |
| 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 | 302 | $83,280,000 | $275,000 | $695,000 | $88,000 | $511,000 |
| Loan Originated | 114 | $27,480,000 | $241,000 | $1,435,000 | $68,000 | $210,000 |
| Application Denied By Financial Institution | 24 | $4,520,000 | $188,000 | $315,000 | $45,000 | $116,000 |
| Application Withdrawn By Applicant | 6 | $1,540,000 | $256,000 | $305,000 | $77,000 | $100,000 |
| Application Approved But Not Accepted | 1 | $285,000 | $285,000 | $285,000 | $63,000 | $63,000 |
| 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 | 423 | $112,585,000 | $266,000 | $1,435,000 | $83,000 | $511,000 |
| Collateral | 7 | $1,455,000 | $207,000 | $245,000 | $53,000 | $64,000 |
| Unverifiable Information | 7 | $1,405,000 | $200,000 | $315,000 | $51,000 | $116,000 |
| Employment History | 4 | $570,000 | $142,000 | $295,000 | $13,000 | $28,000 |
| Debt-To-Income Ratio | 3 | $495,000 | $165,000 | $235,000 | $51,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $440,000 | $220,000 | $225,000 | $53,000 | $58,000 |
| Credit History | 1 | $155,000 | $155,000 | $155,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Self-Help Credit Union'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 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.