Self-Help Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Self-Help Federal Credit Union 2014 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 Federal 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 |
| Total Number of Mortgage Applications | 1,037 |
| Total Mortgage Loan Application Amount | $155,870,000 |
| Average Mortgage Loan Application Amount | $133,333 |
| Highest Mortgage Loan Application Amount | $411,000 |
| Average Applicant Income | $24,666 |
| Highest Applicant Income | $360,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with Self-Help Federal 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 Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2014 breaks down Self-Help Federal 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 Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Self-Help Federal 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 Federal Credit Union's mortgage activity for 2014.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 264 | $ 27,470,000 | $ 104,000 | $ 37,000 |
| Sacramento County California | 49 | $ 7,743,000 | $ 158,000 | $ 49,000 |
| Kern County California | 38 | $ 4,385,000 | $ 115,000 | $ 37,000 |
| Tulare County California | 35 | $ 3,642,000 | $ 104,000 | $ 33,000 |
| Fresno County California | 31 | $ 3,613,000 | $ 116,000 | $ 36,000 |
| Contra Costa County California | 30 | $ 6,171,000 | $ 205,000 | $ 58,000 |
| San Joaquin County California | 29 | $ 5,122,000 | $ 176,000 | $ 61,000 |
| Wake County North Carolina | 29 | $ 5,164,000 | $ 178,000 | $ 0 |
| Lake County Illinois | 28 | $ 2,677,000 | $ 95,000 | $ 0 |
| Stanislaus County California | 26 | $ 3,717,000 | $ 142,000 | $ 42,000 |
| Solano County California | 24 | $ 4,439,000 | $ 184,000 | $ 55,000 |
| Will County Illinois | 16 | $ 2,790,000 | $ 174,000 | $ 0 |
| Alameda County California | 15 | $ 3,047,000 | $ 203,000 | $ 57,000 |
| Merced County California | 15 | $ 2,199,000 | $ 146,000 | $ 47,000 |
| San Diego County California | 13 | $ 3,948,000 | $ 303,000 | $ 0 |
| Guilford County North Carolina | 13 | $ 1,967,000 | $ 151,000 | $ 0 |
| San Bernardino County California | 12 | $ 1,997,000 | $ 166,000 | $ 55,000 |
| Madera County California | 9 | $ 1,137,000 | $ 126,000 | $ 38,000 |
| Durham County North Carolina | 8 | $ 1,229,000 | $ 153,000 | $ 0 |
| Anne Arundel County Maryland | 7 | $ 1,637,000 | $ 233,000 | $ 0 |
| Virginia Beach County Virginia | 7 | $ 1,172,000 | $ 167,000 | $ 0 |
| Pitt County North Carolina | 6 | $ 854,000 | $ 142,000 | $ 0 |
| Fairfax County Virginia | 6 | $ 1,726,000 | $ 287,000 | $ 0 |
| Charles County Maryland | 5 | $ 1,604,000 | $ 320,000 | $ 0 |
| Prince George's County Maryland | 5 | $ 1,198,000 | $ 239,000 | $ 0 |
| Buncombe County North Carolina | 5 | $ 782,000 | $ 156,000 | $ 0 |
| Catawba County North Carolina | 5 | $ 692,000 | $ 138,000 | $ 0 |
| Davidson County North Carolina | 5 | $ 685,000 | $ 137,000 | $ 0 |
| Forsyth County North Carolina | 5 | $ 597,000 | $ 119,000 | $ 0 |
| Colusa County California | 4 | $ 546,000 | $ 136,000 | $ 46,000 |
| Kings County California | 4 | $ 356,000 | $ 89,000 | $ 30,000 |
| Los Angeles County California | 4 | $ 876,000 | $ 219,000 | $ 32,000 |
| Napa County California | 4 | $ 805,000 | $ 201,000 | $ 60,000 |
| Santa Clara County California | 4 | $ 1,336,000 | $ 334,000 | $ 240,000 |
| Yolo County California | 4 | $ 671,000 | $ 167,000 | $ 54,000 |
| Hillsborough County Florida | 4 | $ 674,000 | $ 168,000 | $ 0 |
| Howard County Maryland | 4 | $ 1,036,000 | $ 259,000 | $ 0 |
| Montgomery County Maryland | 4 | $ 676,000 | $ 169,000 | $ 0 |
| Alamance County North Carolina | 4 | $ 440,000 | $ 110,000 | $ 0 |
| Johnston County North Carolina | 4 | $ 552,000 | $ 138,000 | $ 0 |
| Mecklenburg County North Carolina | 4 | $ 739,000 | $ 184,000 | $ 0 |
| New Hanover County North Carolina | 4 | $ 681,000 | $ 170,000 | $ 0 |
| Norfolk County Virginia | 4 | $ 733,000 | $ 183,000 | $ 0 |
| Duval County Florida | 3 | $ 555,000 | $ 185,000 | $ 0 |
| Escambia County Florida | 3 | $ 274,000 | $ 91,000 | $ 0 |
| Clark County Nevada | 3 | $ 466,000 | $ 155,000 | $ 0 |
| Beaufort County North Carolina | 3 | $ 433,000 | $ 144,000 | $ 0 |
| Burke County North Carolina | 3 | $ 432,000 | $ 144,000 | $ 0 |
| Craven County North Carolina | 3 | $ 477,000 | $ 159,000 | $ 0 |
| Harnett County North Carolina | 3 | $ 412,000 | $ 137,000 | $ 0 |
| Haywood County North Carolina | 3 | $ 477,000 | $ 159,000 | $ 0 |
| Lincoln County North Carolina | 3 | $ 406,000 | $ 135,000 | $ 0 |
| Rockingham County North Carolina | 3 | $ 440,000 | $ 146,000 | $ 0 |
| Watauga County North Carolina | 3 | $ 578,000 | $ 192,000 | $ 0 |
| Prince William County Virginia | 3 | $ 862,000 | $ 287,000 | $ 0 |
| Spotsylvania County Virginia | 3 | $ 706,000 | $ 235,000 | $ 0 |
| Suffolk County Virginia | 3 | $ 698,000 | $ 232,000 | $ 0 |
| Jefferson County Alabama | 2 | $ 408,000 | $ 204,000 | $ 0 |
| San Benito County California | 2 | $ 567,000 | $ 283,000 | $ 95,000 |
| Santa Cruz County California | 2 | $ 558,000 | $ 279,000 | $ 68,000 |
| Denver County Colorado | 2 | $ 431,000 | $ 215,000 | $ 0 |
| District of Columbia County District Of Columbia | 2 | $ 523,000 | $ 261,000 | $ 0 |
| Clay County Florida | 2 | $ 233,000 | $ 116,000 | $ 0 |
| Miami-Dade County Florida | 2 | $ 409,000 | $ 204,000 | $ 0 |
| Orange County Florida | 2 | $ 275,000 | $ 137,000 | $ 0 |
| Columbia County Georgia | 2 | $ 311,000 | $ 155,000 | $ 0 |
| Fulton County Georgia | 2 | $ 307,000 | $ 153,000 | $ 0 |
| Champaign County Illinois | 2 | $ 582,000 | $ 291,000 | $ 0 |
| Kane County Illinois | 2 | $ 151,000 | $ 75,000 | $ 50,000 |
| McHenry County Illinois | 2 | $ 522,000 | $ 261,000 | $ 0 |
| Frederick County Maryland | 2 | $ 487,000 | $ 243,000 | $ 0 |
| Macomb County Michigan | 2 | $ 326,000 | $ 163,000 | $ 0 |
| Cabarrus County North Carolina | 2 | $ 314,000 | $ 157,000 | $ 0 |
| Caldwell County North Carolina | 2 | $ 212,000 | $ 106,000 | $ 0 |
| Chatham County North Carolina | 2 | $ 443,000 | $ 221,000 | $ 0 |
| Columbus County North Carolina | 2 | $ 287,000 | $ 143,000 | $ 0 |
| Davie County North Carolina | 2 | $ 291,000 | $ 145,000 | $ 0 |
| Duplin County North Carolina | 2 | $ 225,000 | $ 112,000 | $ 0 |
| Gaston County North Carolina | 2 | $ 333,000 | $ 166,000 | $ 0 |
| McDowell County North Carolina | 2 | $ 251,000 | $ 125,000 | $ 0 |
| Montgomery County North Carolina | 2 | $ 215,000 | $ 107,000 | $ 0 |
| Nash County North Carolina | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Orange County North Carolina | 2 | $ 314,000 | $ 157,000 | $ 0 |
| Randolph County North Carolina | 2 | $ 288,000 | $ 144,000 | $ 0 |
| Rutherford County North Carolina | 2 | $ 266,000 | $ 133,000 | $ 0 |
| Wayne County North Carolina | 2 | $ 163,000 | $ 81,000 | $ 0 |
| Wilson County North Carolina | 2 | $ 242,000 | $ 121,000 | $ 0 |
| Berkeley County South Carolina | 2 | $ 342,000 | $ 171,000 | $ 0 |
| Harris County Texas | 2 | $ 298,000 | $ 149,000 | $ 0 |
| Nueces County Texas | 2 | $ 388,000 | $ 194,000 | $ 0 |
| Loudoun County Virginia | 2 | $ 650,000 | $ 325,000 | $ 0 |
| Snohomish County Washington | 2 | $ 458,000 | $ 229,000 | $ 0 |
| Coffee County Alabama | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Houston County Alabama | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Montgomery County Alabama | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Pima County Arizona | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Pinal County Arizona | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Yuma County Arizona | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Glenn County California | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Lake County California | 1 | $ 203,000 | $ 203,000 | $ 64,000 |
| Marin County California | 1 | $ 100,000 | $ 100,000 | $ 31,000 |
| Monterey County California | 1 | $ 140,000 | $ 140,000 | $ 39,000 |
| Riverside County California | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Ventura County California | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Yuba County California | 1 | $ 168,000 | $ 168,000 | $ 41,000 |
| Douglas County Colorado | 1 | $ 234,000 | $ 234,000 | $ 0 |
| El Paso County Colorado | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Elbert County Colorado | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Hartford County Connecticut | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Middlesex County Connecticut | 1 | $ 206,000 | $ 206,000 | $ 0 |
| New Haven County Connecticut | 1 | $ 122,000 | $ 122,000 | $ 0 |
| New London County Connecticut | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Brevard County Florida | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Broward County Florida | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Citrus County Florida | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Columbia County Florida | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Pasco County Florida | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Camden County Georgia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cherokee County Georgia | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Cobb County Georgia | 1 | $ 147,000 | $ 147,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Forsyth County Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Laurens County Georgia | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Muscogee County Georgia | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Canyon County Idaho | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Adams County Illinois | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Grundy County Illinois | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Rock Island County Illinois | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Vermilion County Illinois | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Delaware County Indiana | 1 | $ 143,000 | $ 143,000 | $ 0 |
| St. Joseph County Indiana | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Johnson County Kansas | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Hardin County Kentucky | 1 | $ 274,000 | $ 274,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 136,000 | $ 136,000 | $ 0 |
| St. Tammany County Louisiana | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Somerset County Maine | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 327,000 | $ 327,000 | $ 0 |
| Baltimore City County Maryland | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Carroll County Maryland | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Harford County Maryland | 1 | $ 225,000 | $ 225,000 | $ 0 |
| St. Mary's County Maryland | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Kent County Michigan | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Oakland County Michigan | 1 | $ 411,000 | $ 411,000 | $ 0 |
| Wayne County Michigan | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Wright County Minnesota | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Jackson County Mississippi | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Cole County Missouri | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Johnson County Missouri | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| St. Louis County Missouri | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Hillsborough County New Hampshire | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Camden County New Jersey | 1 | $ 286,000 | $ 286,000 | $ 0 |
| Gloucester County New Jersey | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Ocean County New Jersey | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Albany County New York | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Erie County New York | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Saratoga County New York | 1 | $ 410,000 | $ 410,000 | $ 0 |
| Bertie County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Brunswick County North Carolina | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Chowan County North Carolina | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Dare County North Carolina | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Franklin County North Carolina | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Jackson County North Carolina | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Lee County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Lenoir County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Macon County North Carolina | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Moore County North Carolina | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Richmond County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Robeson County North Carolina | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Rowan County North Carolina | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Stanly County North Carolina | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Surry County North Carolina | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Transylvania County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Union County North Carolina | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Wilkes County North Carolina | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Yadkin County North Carolina | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Yancey County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Franklin County Ohio | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Greene County Ohio | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Pittsburg County Oklahoma | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Lake County Oregon | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Washington County Oregon | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Dauphin County Pennsylvania | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Delaware County Pennsylvania | 1 | $ 324,000 | $ 324,000 | $ 0 |
| Montgomery County Pennsylvania | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Northampton County Pennsylvania | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Philadelphia County Pennsylvania | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Wayne County Pennsylvania | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Westmoreland County Pennsylvania | 1 | $ 230,000 | $ 230,000 | $ 0 |
| York County Pennsylvania | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Kent County Rhode Island | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Washington County Rhode Island | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Williamson County Tennessee | 1 | $ 267,000 | $ 267,000 | $ 0 |
| Dallas County Texas | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Denton County Texas | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Kaufman County Texas | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Lubbock County Texas | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Val Verde County Texas | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Williamson County Texas | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Chesapeake County Virginia | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Fauquier County Virginia | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Hampton County Virginia | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Harrisonburg County Virginia | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Manassas Park County Virginia | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Newport News County Virginia | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Orange County Virginia | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Portsmouth County Virginia | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Stafford County Virginia | 1 | $ 353,000 | $ 353,000 | $ 0 |
| Warren County Virginia | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Westmoreland County Virginia | 1 | $ 148,000 | $ 148,000 | $ 0 |
| King County Washington | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Kitsap County Washington | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Milwaukee County Wisconsin | 1 | $ 164,000 | $ 164,000 | $ 0 |
Mortgage Loan Application Detail Totals for Self-Help Federal Credit Union in 2014
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 | 969 | $147,138,000 | $151,000 | $411,000 | $27,000 | $360,000 |
| Home Improvement | 47 | $6,302,000 | $134,000 | $403,000 | $0 | $0 |
| Refinancing | 21 | $2,430,000 | $115,000 | $224,000 | $47,000 | $75,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 573 | $76,643,000 | $133,000 | $400,000 | $47,000 | $360,000 |
| Not applicable | 293 | $45,361,000 | $154,000 | $410,000 | $0 | $0 |
| White | 134 | $26,298,000 | $196,000 | $411,000 | $1,000 | $140,000 |
| Black or African American | 25 | $5,001,000 | $200,000 | $399,000 | $0 | $0 |
| Asian | 10 | $2,227,000 | $222,000 | $403,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $340,000 | $170,000 | $177,000 | $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) | 1,037 | $155,870,000 | $150,000 | $411,000 | $26,000 | $360,000 |
| 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 | 462 | $78,807,000 | $170,000 | $411,000 | $0 | $53,000 |
| Loan Originated | 394 | $51,930,000 | $131,000 | $400,000 | $46,000 | $360,000 |
| Application Denied By Financial Institution | 118 | $15,196,000 | $128,000 | $367,000 | $45,000 | $95,000 |
| Application Withdrawn By Applicant | 63 | $9,937,000 | $157,000 | $390,000 | $55,000 | $263,000 |
| 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 | 63 | $8,130,000 | $129,000 | $367,000 | $48,000 | $95,000 |
| Debt-To-Income Ratio | 12 | $1,493,000 | $124,000 | $184,000 | $34,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,693,000 | $169,000 | $312,000 | $52,000 | $85,000 |
| Credit History | 8 | $1,022,000 | $127,000 | $216,000 | $45,000 | $56,000 |
| Unverifiable Information | 4 | $410,000 | $102,000 | $135,000 | $36,000 | $54,000 |
| Other | 1 | $179,000 | $179,000 | $179,000 | $56,000 | $56,000 |
| Credit Application Incomplete | 1 | $46,000 | $46,000 | $46,000 | $30,000 | $30,000 |
| 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 Federal Credit Union's 2014 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 Federal 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.