State Employees' Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
State Employees' Credit Union 2005 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 | State Employees' Credit Union P.O. Drawer 25279 Raleigh, NC 27611 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 16,486 |
| Total Mortgage Loan Application Amount | $1,980,803,000 |
| Average Mortgage Loan Application Amount | $112,961 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $73,153 |
| Highest Applicant Income | $1,968,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with State Employees' 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 State Employees' Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down State Employees' 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 State Employees' Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by State Employees' 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 State Employees' Credit Union's mortgage activity for 2005.
| 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 | 1,962 | $ 297,986,000 | $ 151,000 | $ 59,000 |
| Guilford County North Carolina | 677 | $ 80,233,000 | $ 118,000 | $ 66,000 |
| Buncombe County North Carolina | 672 | $ 88,042,000 | $ 131,000 | $ 60,000 |
| Mecklenburg County North Carolina | 654 | $ 91,353,000 | $ 139,000 | $ 60,000 |
| Durham County North Carolina | 542 | $ 76,984,000 | $ 142,000 | $ 71,000 |
| New Hanover County North Carolina | 457 | $ 60,237,000 | $ 131,000 | $ 63,000 |
| Orange County North Carolina | 456 | $ 69,991,000 | $ 153,000 | $ 67,000 |
| Johnston County North Carolina | 374 | $ 45,566,000 | $ 121,000 | $ 56,000 |
| Pitt County North Carolina | 366 | $ 39,022,000 | $ 106,000 | $ 68,000 |
| Forsyth County North Carolina | 343 | $ 40,618,000 | $ 118,000 | $ 58,000 |
| Burke County North Carolina | 301 | $ 29,964,000 | $ 99,000 | $ 50,000 |
| Alamance County North Carolina | 253 | $ 31,272,000 | $ 123,000 | $ 54,000 |
| Iredell County North Carolina | 252 | $ 31,091,000 | $ 123,000 | $ 63,000 |
| Cumberland County North Carolina | 250 | $ 23,750,000 | $ 95,000 | $ 60,000 |
| Robeson County North Carolina | 248 | $ 15,901,000 | $ 64,000 | $ 49,000 |
| Brunswick County North Carolina | 246 | $ 34,080,000 | $ 138,000 | $ 68,000 |
| Catawba County North Carolina | 236 | $ 27,637,000 | $ 117,000 | $ 54,000 |
| Chatham County North Carolina | 228 | $ 33,186,000 | $ 145,000 | $ 57,000 |
| Cabarrus County North Carolina | 199 | $ 22,658,000 | $ 113,000 | $ 56,000 |
| Union County North Carolina | 185 | $ 25,206,000 | $ 136,000 | $ 62,000 |
| Carteret County North Carolina | 184 | $ 25,680,000 | $ 139,000 | $ 65,000 |
| Randolph County North Carolina | 178 | $ 18,126,000 | $ 101,000 | $ 51,000 |
| Nash County North Carolina | 174 | $ 19,175,000 | $ 110,000 | $ 54,000 |
| Wayne County North Carolina | 173 | $ 15,448,000 | $ 89,000 | $ 49,000 |
| Wilkes County North Carolina | 170 | $ 15,376,000 | $ 90,000 | $ 54,000 |
| Rowan County North Carolina | 169 | $ 16,139,000 | $ 95,000 | $ 62,000 |
| Wilson County North Carolina | 168 | $ 17,423,000 | $ 103,000 | $ 48,000 |
| Harnett County North Carolina | 162 | $ 14,484,000 | $ 89,000 | $ 44,000 |
| Watauga County North Carolina | 157 | $ 22,674,000 | $ 144,000 | $ 61,000 |
| Davidson County North Carolina | 155 | $ 15,915,000 | $ 102,000 | $ 58,000 |
| Henderson County North Carolina | 155 | $ 19,918,000 | $ 128,000 | $ 52,000 |
| Gaston County North Carolina | 154 | $ 17,174,000 | $ 111,000 | $ 56,000 |
| Franklin County North Carolina | 152 | $ 16,293,000 | $ 107,000 | $ 50,000 |
| Rockingham County North Carolina | 149 | $ 13,626,000 | $ 91,000 | $ 50,000 |
| Stanly County North Carolina | 147 | $ 13,223,000 | $ 89,000 | $ 46,000 |
| Surry County North Carolina | 146 | $ 15,129,000 | $ 103,000 | $ 51,000 |
| Caldwell County North Carolina | 144 | $ 14,500,000 | $ 100,000 | $ 50,000 |
| Jackson County North Carolina | 140 | $ 16,124,000 | $ 115,000 | $ 57,000 |
| Moore County North Carolina | 140 | $ 19,200,000 | $ 137,000 | $ 54,000 |
| Rutherford County North Carolina | 138 | $ 11,977,000 | $ 86,000 | $ 42,000 |
| Cleveland County North Carolina | 136 | $ 12,582,000 | $ 92,000 | $ 55,000 |
| Montgomery County North Carolina | 127 | $ 11,983,000 | $ 94,000 | $ 50,000 |
| McDowell County North Carolina | 126 | $ 12,371,000 | $ 98,000 | $ 68,000 |
| Craven County North Carolina | 122 | $ 12,330,000 | $ 101,000 | $ 56,000 |
| Granville County North Carolina | 121 | $ 13,570,000 | $ 112,000 | $ 64,000 |
| Haywood County North Carolina | 115 | $ 14,604,000 | $ 126,000 | $ 54,000 |
| Beaufort County North Carolina | 114 | $ 12,393,000 | $ 108,000 | $ 54,000 |
| Halifax County North Carolina | 114 | $ 8,631,000 | $ 75,000 | $ 50,000 |
| Hertford County North Carolina | 112 | $ 8,634,000 | $ 77,000 | $ 51,000 |
| Pender County North Carolina | 111 | $ 15,217,000 | $ 137,000 | $ 58,000 |
| Cherokee County North Carolina | 108 | $ 12,778,000 | $ 118,000 | $ 46,000 |
| Macon County North Carolina | 107 | $ 12,973,000 | $ 121,000 | $ 97,000 |
| Bertie County North Carolina | 104 | $ 7,471,000 | $ 71,000 | $ 42,000 |
| Edgecombe County North Carolina | 101 | $ 8,165,000 | $ 80,000 | $ 48,000 |
| Onslow County North Carolina | 95 | $ 10,001,000 | $ 105,000 | $ 63,000 |
| Lenoir County North Carolina | 94 | $ 8,294,000 | $ 88,000 | $ 51,000 |
| Mitchell County North Carolina | 94 | $ 9,903,000 | $ 105,000 | $ 49,000 |
| Graham County North Carolina | 92 | $ 9,246,000 | $ 100,000 | $ 42,000 |
| Richmond County North Carolina | 92 | $ 6,535,000 | $ 71,000 | $ 46,000 |
| Horry County South Carolina | 90 | $ 13,504,000 | $ 150,000 | $ 107,000 |
| Dare County North Carolina | 86 | $ 16,387,000 | $ 190,000 | $ 66,000 |
| Person County North Carolina | 86 | $ 9,582,000 | $ 111,000 | $ 46,000 |
| Sampson County North Carolina | 81 | $ 7,518,000 | $ 92,000 | $ 62,000 |
| Lee County North Carolina | 78 | $ 8,774,000 | $ 112,000 | $ 58,000 |
| Pasquotank County North Carolina | 78 | $ 8,681,000 | $ 111,000 | $ 55,000 |
| Vance County North Carolina | 77 | $ 6,557,000 | $ 85,000 | $ 56,000 |
| Ashe County North Carolina | 73 | $ 9,363,000 | $ 128,000 | $ 53,000 |
| Hoke County North Carolina | 72 | $ 6,520,000 | $ 90,000 | $ 59,000 |
| Scotland County North Carolina | 71 | $ 6,078,000 | $ 85,000 | $ 50,000 |
| Swain County North Carolina | 71 | $ 8,071,000 | $ 113,000 | $ 50,000 |
| Columbus County North Carolina | 66 | $ 6,194,000 | $ 93,000 | $ 54,000 |
| Duplin County North Carolina | 63 | $ 4,779,000 | $ 75,000 | $ 47,000 |
| Lincoln County North Carolina | 62 | $ 6,274,000 | $ 101,000 | $ 53,000 |
| Alexander County North Carolina | 59 | $ 6,580,000 | $ 111,000 | $ 52,000 |
| Yancey County North Carolina | 58 | $ 5,570,000 | $ 96,000 | $ 51,000 |
| Anson County North Carolina | 54 | $ 3,982,000 | $ 73,000 | $ 46,000 |
| Bladen County North Carolina | 51 | $ 3,708,000 | $ 72,000 | $ 50,000 |
| Davie County North Carolina | 51 | $ 6,744,000 | $ 132,000 | $ 51,000 |
| Caswell County North Carolina | 49 | $ 5,096,000 | $ 104,000 | $ 57,000 |
| Martin County North Carolina | 48 | $ 2,936,000 | $ 61,000 | $ 50,000 |
| Madison County North Carolina | 44 | $ 4,837,000 | $ 109,000 | $ 57,000 |
| Avery County North Carolina | 43 | $ 4,841,000 | $ 112,000 | $ 74,000 |
| Chowan County North Carolina | 43 | $ 6,027,000 | $ 140,000 | $ 70,000 |
| Northampton County North Carolina | 43 | $ 3,500,000 | $ 81,000 | $ 53,000 |
| Currituck County North Carolina | 42 | $ 6,363,000 | $ 151,000 | $ 56,000 |
| Greene County North Carolina | 38 | $ 3,789,000 | $ 99,000 | $ 60,000 |
| Perquimans County North Carolina | 35 | $ 2,709,000 | $ 77,000 | $ 49,000 |
| Warren County North Carolina | 35 | $ 3,007,000 | $ 85,000 | $ 54,000 |
| Stokes County North Carolina | 32 | $ 3,670,000 | $ 114,000 | $ 55,000 |
| Camden County North Carolina | 31 | $ 4,178,000 | $ 134,000 | $ 68,000 |
| York County South Carolina | 29 | $ 5,010,000 | $ 172,000 | $ 77,000 |
| Gates County North Carolina | 27 | $ 2,659,000 | $ 98,000 | $ 54,000 |
| Transylvania County North Carolina | 27 | $ 3,499,000 | $ 129,000 | $ 58,000 |
| Polk County North Carolina | 25 | $ 2,616,000 | $ 104,000 | $ 46,000 |
| Washington County North Carolina | 21 | $ 1,835,000 | $ 87,000 | $ 114,000 |
| Clay County North Carolina | 18 | $ 2,578,000 | $ 143,000 | $ 49,000 |
| Pamlico County North Carolina | 18 | $ 1,926,000 | $ 107,000 | $ 49,000 |
| Tyrrell County North Carolina | 18 | $ 1,404,000 | $ 78,000 | $ 52,000 |
| Yadkin County North Carolina | 17 | $ 1,671,000 | $ 98,000 | $ 52,000 |
| Alleghany County North Carolina | 13 | $ 1,076,000 | $ 82,000 | $ 67,000 |
| Hyde County North Carolina | 13 | $ 1,464,000 | $ 112,000 | $ 47,000 |
| Jones County North Carolina | 13 | $ 844,000 | $ 64,000 | $ 32,000 |
| Chesapeake County Virginia | 11 | $ 1,740,000 | $ 158,000 | $ 94,000 |
| Carroll County Virginia | 10 | $ 1,018,000 | $ 101,000 | $ 46,000 |
| Fulton County Georgia | 9 | $ 2,271,000 | $ 252,000 | $ 102,000 |
| Charleston County South Carolina | 8 | $ 1,852,000 | $ 231,000 | $ 105,000 |
| DeKalb County Georgia | 7 | $ 1,483,000 | $ 211,000 | $ 113,000 |
| Johnson County Tennessee | 7 | $ 588,000 | $ 84,000 | $ 48,000 |
| Orange County Florida | 6 | $ 1,766,000 | $ 294,000 | $ 115,000 |
| Lancaster County South Carolina | 6 | $ 747,000 | $ 124,000 | $ 75,000 |
| Davidson County Tennessee | 6 | $ 1,182,000 | $ 197,000 | $ 68,000 |
| Spartanburg County South Carolina | 5 | $ 716,000 | $ 143,000 | $ 45,000 |
| Chesterfield County Virginia | 5 | $ 1,318,000 | $ 263,000 | $ 103,000 |
| Patrick County Virginia | 5 | $ 205,000 | $ 41,000 | $ 71,000 |
| Hillsborough County Florida | 4 | $ 1,474,000 | $ 368,000 | $ 206,000 |
| Miami-Dade County Florida | 4 | $ 1,137,000 | $ 284,000 | $ 77,000 |
| Greenville County South Carolina | 4 | $ 308,000 | $ 77,000 | $ 110,000 |
| Richland County South Carolina | 4 | $ 284,000 | $ 71,000 | $ 103,000 |
| Danville County Virginia | 4 | $ 550,000 | $ 137,000 | $ 57,000 |
| Henry County Virginia | 4 | $ 484,000 | $ 121,000 | $ 81,000 |
| Mecklenburg County Virginia | 4 | $ 699,000 | $ 174,000 | $ 102,000 |
| Montgomery County Virginia | 4 | $ 692,000 | $ 173,000 | $ 97,000 |
| Norfolk County Virginia | 4 | $ 526,000 | $ 131,000 | $ 72,000 |
| Alachua County Florida | 3 | $ 502,000 | $ 167,000 | $ 63,000 |
| Clarke County Georgia | 3 | $ 258,000 | $ 86,000 | $ 58,000 |
| Towns County Georgia | 3 | $ 239,000 | $ 79,000 | $ 43,000 |
| Beaufort County South Carolina | 3 | $ 621,000 | $ 207,000 | $ 173,000 |
| Dillon County South Carolina | 3 | $ 213,000 | $ 71,000 | $ 45,000 |
| Marlboro County South Carolina | 3 | $ 248,000 | $ 82,000 | $ 37,000 |
| Bedford County Virginia | 3 | $ 708,000 | $ 236,000 | $ 139,000 |
| Dinwiddie County Virginia | 3 | $ 561,000 | $ 187,000 | $ 64,000 |
| Galax County Virginia | 3 | $ 243,000 | $ 81,000 | $ 52,000 |
| Grayson County Virginia | 3 | $ 343,000 | $ 114,000 | $ 72,000 |
| Pittsylvania County Virginia | 3 | $ 232,000 | $ 77,000 | $ 45,000 |
| York County Virginia | 3 | $ 545,000 | $ 181,000 | $ 60,000 |
| Broward County Florida | 2 | $ 540,000 | $ 270,000 | $ 61,000 |
| Duval County Florida | 2 | $ 535,000 | $ 267,000 | $ 81,000 |
| Osceola County Florida | 2 | $ 283,000 | $ 141,000 | $ 145,000 |
| Pinellas County Florida | 2 | $ 243,000 | $ 121,000 | $ 88,000 |
| Bulloch County Georgia | 2 | $ 550,000 | $ 275,000 | $ 116,000 |
| Chatham County Georgia | 2 | $ 280,000 | $ 140,000 | $ 66,000 |
| Cobb County Georgia | 2 | $ 511,000 | $ 255,000 | $ 142,000 |
| Coweta County Georgia | 2 | $ 513,000 | $ 256,000 | $ 129,000 |
| Gwinnett County Georgia | 2 | $ 301,000 | $ 150,000 | $ 76,000 |
| Hall County Georgia | 2 | $ 258,000 | $ 129,000 | $ 118,000 |
| Rockdale County Georgia | 2 | $ 603,000 | $ 301,000 | $ 76,000 |
| Prince George's County Maryland | 2 | $ 212,000 | $ 106,000 | $ 72,000 |
| Anderson County South Carolina | 2 | $ 228,000 | $ 114,000 | $ 78,000 |
| Berkeley County South Carolina | 2 | $ 484,000 | $ 242,000 | $ 114,000 |
| Florence County South Carolina | 2 | $ 147,000 | $ 73,000 | $ 61,000 |
| Lexington County South Carolina | 2 | $ 384,000 | $ 192,000 | $ 90,000 |
| Pickens County South Carolina | 2 | $ 191,000 | $ 95,000 | $ 61,000 |
| Sumter County South Carolina | 2 | $ 133,000 | $ 66,000 | $ 35,000 |
| Blount County Tennessee | 2 | $ 221,000 | $ 110,000 | $ 50,000 |
| Carter County Tennessee | 2 | $ 185,000 | $ 92,000 | $ 45,000 |
| Knox County Tennessee | 2 | $ 263,000 | $ 131,000 | $ 57,000 |
| Sevier County Tennessee | 2 | $ 209,000 | $ 104,000 | $ 66,000 |
| Shelby County Tennessee | 2 | $ 286,000 | $ 143,000 | $ 108,000 |
| Unicoi County Tennessee | 2 | $ 191,000 | $ 95,000 | $ 112,000 |
| Washington County Tennessee | 2 | $ 264,000 | $ 132,000 | $ 59,000 |
| Alexandria County Virginia | 2 | $ 545,000 | $ 272,000 | $ 150,000 |
| Arlington County Virginia | 2 | $ 491,000 | $ 245,000 | $ 53,000 |
| Culpeper County Virginia | 2 | $ 240,000 | $ 120,000 | $ 96,000 |
| Fairfax County Virginia | 2 | $ 1,190,000 | $ 595,000 | $ 112,000 |
| Gloucester County Virginia | 2 | $ 129,000 | $ 64,000 | $ 85,000 |
| Greene County Virginia | 2 | $ 480,000 | $ 240,000 | $ 64,000 |
| Halifax County Virginia | 2 | $ 152,000 | $ 76,000 | $ 90,000 |
| Hampton County Virginia | 2 | $ 255,000 | $ 127,000 | $ 88,000 |
| Lynchburg County Virginia | 2 | $ 283,000 | $ 141,000 | $ 69,000 |
| Roanoke City County Virginia | 2 | $ 311,000 | $ 155,000 | $ 65,000 |
| Suffolk County Virginia | 2 | $ 258,000 | $ 129,000 | $ 35,000 |
| Dallas County Alabama | 1 | $ 33,000 | $ 33,000 | $ 83,000 |
| District of Columbia County District Of Columbia | 1 | $ 197,000 | $ 197,000 | $ 43,000 |
| Bay County Florida | 1 | $ 10,000 | $ 10,000 | $ 41,000 |
| Brevard County Florida | 1 | $ 45,000 | $ 45,000 | $ 396,000 |
| Clay County Florida | 1 | $ 225,000 | $ 225,000 | $ 147,000 |
| Lake County Florida | 1 | $ 186,000 | $ 186,000 | $ 69,000 |
| Levy County Florida | 1 | $ 100,000 | $ 100,000 | $ 103,000 |
| Pasco County Florida | 1 | $ 196,000 | $ 196,000 | $ 69,000 |
| Seminole County Florida | 1 | $ 220,000 | $ 220,000 | $ 52,000 |
| St. Johns County Florida | 1 | $ 240,000 | $ 240,000 | $ 210,000 |
| Camden County Georgia | 1 | $ 213,000 | $ 213,000 | $ 108,000 |
| Cherokee County Georgia | 1 | $ 256,000 | $ 256,000 | $ 66,000 |
| Columbia County Georgia | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Franklin County Georgia | 1 | $ 167,000 | $ 167,000 | $ 96,000 |
| Henry County Georgia | 1 | $ 151,000 | $ 151,000 | $ 63,000 |
| Lamar County Georgia | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| Lee County Georgia | 1 | $ 141,000 | $ 141,000 | $ 62,000 |
| Lumpkin County Georgia | 1 | $ 159,000 | $ 159,000 | $ 86,000 |
| McDuffie County Georgia | 1 | $ 255,000 | $ 255,000 | $ 129,000 |
| Oconee County Georgia | 1 | $ 140,000 | $ 140,000 | $ 36,000 |
| Pickens County Georgia | 1 | $ 151,000 | $ 151,000 | $ 63,000 |
| Rabun County Georgia | 1 | $ 246,000 | $ 246,000 | $ 62,000 |
| Richmond County Georgia | 1 | $ 161,000 | $ 161,000 | $ 93,000 |
| Anne Arundel County Maryland | 1 | $ 250,000 | $ 250,000 | $ 84,000 |
| Carroll County Maryland | 1 | $ 233,000 | $ 233,000 | $ 185,000 |
| Onondaga County New York | 1 | $ 51,000 | $ 51,000 | $ 72,000 |
| Franklin County Ohio | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Providence County Rhode Island | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Abbeville County South Carolina | 1 | $ 325,000 | $ 325,000 | $ 165,000 |
| Chesterfield County South Carolina | 1 | $ 7,000 | $ 7,000 | $ 26,000 |
| Dorchester County South Carolina | 1 | $ 137,000 | $ 137,000 | $ 36,000 |
| Edgefield County South Carolina | 1 | $ 62,000 | $ 62,000 | $ 26,000 |
| Greenwood County South Carolina | 1 | $ 51,000 | $ 51,000 | $ 95,000 |
| Laurens County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Oconee County South Carolina | 1 | $ 97,000 | $ 97,000 | $ 49,000 |
| Anderson County Tennessee | 1 | $ 184,000 | $ 184,000 | $ 45,000 |
| Bradley County Tennessee | 1 | $ 62,000 | $ 62,000 | $ 66,000 |
| Franklin County Tennessee | 1 | $ 76,000 | $ 76,000 | $ 55,000 |
| Henry County Tennessee | 1 | $ 199,000 | $ 199,000 | $ 76,000 |
| Jefferson County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Rutherford County Tennessee | 1 | $ 283,000 | $ 283,000 | $ 102,000 |
| Sullivan County Tennessee | 1 | $ 26,000 | $ 26,000 | $ 26,000 |
| Sumner County Tennessee | 1 | $ 174,000 | $ 174,000 | $ 99,000 |
| Wichita County Texas | 1 | $ 6,000 | $ 6,000 | $ 50,000 |
| Accomack County Virginia | 1 | $ 50,000 | $ 50,000 | $ 99,000 |
| Albemarle County Virginia | 1 | $ 283,000 | $ 283,000 | $ 95,000 |
| Amelia County Virginia | 1 | $ 167,000 | $ 167,000 | $ 62,000 |
| Botetourt County Virginia | 1 | $ 167,000 | $ 167,000 | $ 45,000 |
| Brunswick County Virginia | 1 | $ 201,000 | $ 201,000 | $ 111,000 |
| Campbell County Virginia | 1 | $ 90,000 | $ 90,000 | $ 18,000 |
| Charlottesville County Virginia | 1 | $ 190,000 | $ 190,000 | $ 42,000 |
| Floyd County Virginia | 1 | $ 64,000 | $ 64,000 | $ 60,000 |
| Fluvanna County Virginia | 1 | $ 268,000 | $ 268,000 | $ 85,000 |
| Franklin County Virginia | 1 | $ 261,000 | $ 261,000 | $ 111,000 |
| Franklin City County Virginia | 1 | $ 92,000 | $ 92,000 | $ 36,000 |
| Frederick County Virginia | 1 | $ 180,000 | $ 180,000 | $ 61,000 |
| Hanover County Virginia | 1 | $ 198,000 | $ 198,000 | $ 83,000 |
| James City County Virginia | 1 | $ 98,000 | $ 98,000 | $ 143,000 |
| Newport News County Virginia | 1 | $ 190,000 | $ 190,000 | $ 59,000 |
| Petersburg County Virginia | 1 | $ 245,000 | $ 245,000 | $ 67,000 |
| Pulaski County Virginia | 1 | $ 4,000 | $ 4,000 | $ 83,000 |
| Roanoke County Virginia | 1 | $ 230,000 | $ 230,000 | $ 63,000 |
| Rockingham County Virginia | 1 | $ 306,000 | $ 306,000 | $ 124,000 |
| Shenandoah County Virginia | 1 | $ 169,000 | $ 169,000 | $ 52,000 |
| Surry County Virginia | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Washington County Virginia | 1 | $ 340,000 | $ 340,000 | $ 109,000 |
| McDowell County West Virginia | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for State Employees' Credit Union in 2005
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 | 8,611 | $1,133,774,000 | $169,250 | $800,000 | $75,625 | $978,000 |
| Refinancing | 6,885 | $821,739,000 | $128,727 | $750,000 | $79,454 | $1,968,000 |
| Home Improvement | 990 | $25,290,000 | $23,857 | $480,000 | $60,428 | $487,000 |
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 |
|---|---|---|---|---|---|---|
| White | 12,895 | $1,603,149,000 | $132,800 | $800,000 | $75,300 | $1,067,000 |
| Black or African American | 2,562 | $254,462,000 | $141,777 | $460,000 | $65,000 | $1,968,000 |
| Not Provided | 401 | $48,203,000 | $153,857 | $600,000 | $71,428 | $322,000 |
| Hispanic | 265 | $32,744,000 | $84,333 | $538,000 | $73,666 | $346,000 |
| American Indian or Alaskan Native | 186 | $17,312,000 | $229,750 | $500,000 | $94,250 | $195,000 |
| Asian | 147 | $21,535,000 | $219,833 | $494,000 | $104,500 | $219,000 |
| Native Hawaiian or Other Pacific Islander | 30 | $3,398,000 | $113,000 | $275,000 | $59,000 | $380,000 |
| Not applicable | 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) | 16,486 | $1,980,803,000 | $119,928 | $800,000 | $71,000 | $1,968,000 |
| 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 Originated | 11,929 | $1,431,683,000 | $135,375 | $750,000 | $76,875 | $1,968,000 |
| Application Withdrawn By Applicant | 2,368 | $307,052,000 | $153,375 | $750,000 | $86,875 | $385,000 |
| Application Denied By Financial Institution | 1,811 | $194,763,000 | $132,545 | $600,000 | $64,818 | $978,000 |
| Application Approved But Not Accepted | 278 | $35,048,000 | $137,666 | $800,000 | $68,333 | $366,000 |
| File Closed For Incompleteness | 100 | $12,257,000 | $232,000 | $360,000 | $74,500 | $171,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Credit History | 917 | $93,929,000 | $151,000 | $600,000 | $81,142 | $300,000 |
| Debt-To-Income Ratio | 535 | $60,654,000 | $150,428 | $426,000 | $63,571 | $978,000 |
| Collateral | 194 | $20,606,000 | $100,800 | $480,000 | $49,000 | $222,000 |
| Other | 65 | $7,821,000 | $148,333 | $326,000 | $74,833 | $514,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 35 | $4,760,000 | $288,000 | $450,000 | $98,500 | $146,000 |
| Employment History | 33 | $2,957,000 | $89,000 | $153,000 | $38,000 | $92,000 |
| Unverifiable Information | 23 | $2,959,000 | $128,000 | $260,000 | $55,000 | $170,000 |
| Credit Application Incomplete | 9 | $1,077,000 | $119,000 | $225,000 | $47,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Employees' Credit Union's 2005 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 State Employees' 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.