State Employees' Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
State Employees' Credit Union 2009 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 | 20,917 |
| Total Mortgage Loan Application Amount | $3,029,050,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $5,977,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 2,993 | $ 541,465,000 | $ 180,000 | $ 83,000 |
| Buncombe County North Carolina | 844 | $ 143,458,000 | $ 169,000 | $ 66,000 |
| Guilford County North Carolina | 808 | $ 116,222,000 | $ 143,000 | $ 68,000 |
| Durham County North Carolina | 787 | $ 127,262,000 | $ 161,000 | $ 75,000 |
| Mecklenburg County North Carolina | 773 | $ 128,135,000 | $ 165,000 | $ 78,000 |
| Orange County North Carolina | 639 | $ 123,651,000 | $ 193,000 | $ 89,000 |
| Johnston County North Carolina | 574 | $ 79,187,000 | $ 137,000 | $ 71,000 |
| New Hanover County North Carolina | 445 | $ 78,217,000 | $ 175,000 | $ 76,000 |
| Burke County North Carolina | 437 | $ 49,248,000 | $ 112,000 | $ 61,000 |
| Forsyth County North Carolina | 406 | $ 56,576,000 | $ 139,000 | $ 71,000 |
| Pitt County North Carolina | 350 | $ 44,008,000 | $ 125,000 | $ 75,000 |
| Iredell County North Carolina | 344 | $ 50,782,000 | $ 147,000 | $ 69,000 |
| Alamance County North Carolina | 339 | $ 48,146,000 | $ 142,000 | $ 67,000 |
| Cabarrus County North Carolina | 301 | $ 46,371,000 | $ 154,000 | $ 70,000 |
| Brunswick County North Carolina | 299 | $ 48,110,000 | $ 160,000 | $ 72,000 |
| Catawba County North Carolina | 294 | $ 39,773,000 | $ 135,000 | $ 69,000 |
| Chatham County North Carolina | 284 | $ 49,369,000 | $ 173,000 | $ 82,000 |
| Randolph County North Carolina | 283 | $ 33,857,000 | $ 119,000 | $ 60,000 |
| Cumberland County North Carolina | 263 | $ 32,327,000 | $ 122,000 | $ 75,000 |
| Wayne County North Carolina | 261 | $ 26,954,000 | $ 103,000 | $ 60,000 |
| Wilkes County North Carolina | 256 | $ 30,838,000 | $ 120,000 | $ 65,000 |
| Davidson County North Carolina | 237 | $ 30,304,000 | $ 127,000 | $ 64,000 |
| Union County North Carolina | 237 | $ 38,211,000 | $ 161,000 | $ 73,000 |
| Robeson County North Carolina | 234 | $ 20,447,000 | $ 87,000 | $ 62,000 |
| Surry County North Carolina | 228 | $ 25,085,000 | $ 110,000 | $ 57,000 |
| Henderson County North Carolina | 226 | $ 37,310,000 | $ 165,000 | $ 69,000 |
| Rowan County North Carolina | 224 | $ 28,077,000 | $ 125,000 | $ 65,000 |
| McDowell County North Carolina | 216 | $ 25,035,000 | $ 115,000 | $ 57,000 |
| Harnett County North Carolina | 205 | $ 25,309,000 | $ 123,000 | $ 65,000 |
| Watauga County North Carolina | 204 | $ 35,882,000 | $ 175,000 | $ 92,000 |
| Franklin County North Carolina | 203 | $ 25,642,000 | $ 126,000 | $ 69,000 |
| Carteret County North Carolina | 200 | $ 35,186,000 | $ 175,000 | $ 85,000 |
| Gaston County North Carolina | 198 | $ 27,409,000 | $ 138,000 | $ 72,000 |
| Moore County North Carolina | 193 | $ 28,251,000 | $ 146,000 | $ 71,000 |
| Montgomery County North Carolina | 180 | $ 17,917,000 | $ 99,000 | $ 57,000 |
| Haywood County North Carolina | 179 | $ 29,932,000 | $ 167,000 | $ 66,000 |
| Rutherford County North Carolina | 179 | $ 18,946,000 | $ 105,000 | $ 62,000 |
| Jackson County North Carolina | 175 | $ 28,362,000 | $ 162,000 | $ 68,000 |
| Caldwell County North Carolina | 172 | $ 19,666,000 | $ 114,000 | $ 62,000 |
| Wilson County North Carolina | 165 | $ 19,060,000 | $ 115,000 | $ 68,000 |
| Lenoir County North Carolina | 164 | $ 16,000,000 | $ 97,000 | $ 63,000 |
| Nash County North Carolina | 157 | $ 17,544,000 | $ 111,000 | $ 78,000 |
| Granville County North Carolina | 156 | $ 21,065,000 | $ 135,000 | $ 67,000 |
| Rockingham County North Carolina | 151 | $ 18,374,000 | $ 121,000 | $ 66,000 |
| Stanly County North Carolina | 150 | $ 18,187,000 | $ 121,000 | $ 56,000 |
| Onslow County North Carolina | 144 | $ 19,144,000 | $ 132,000 | $ 71,000 |
| Mitchell County North Carolina | 142 | $ 18,317,000 | $ 128,000 | $ 58,000 |
| Edgecombe County North Carolina | 141 | $ 12,527,000 | $ 88,000 | $ 66,000 |
| Macon County North Carolina | 134 | $ 18,290,000 | $ 136,000 | $ 63,000 |
| Duplin County North Carolina | 133 | $ 13,126,000 | $ 98,000 | $ 60,000 |
| Yancey County North Carolina | 128 | $ 16,816,000 | $ 131,000 | $ 56,000 |
| Beaufort County North Carolina | 124 | $ 15,781,000 | $ 127,000 | $ 75,000 |
| Cleveland County North Carolina | 123 | $ 14,986,000 | $ 121,000 | $ 68,000 |
| Craven County North Carolina | 123 | $ 16,062,000 | $ 130,000 | $ 64,000 |
| Sampson County North Carolina | 119 | $ 9,956,000 | $ 83,000 | $ 63,000 |
| Pender County North Carolina | 111 | $ 15,304,000 | $ 137,000 | $ 68,000 |
| Lincoln County North Carolina | 110 | $ 16,232,000 | $ 147,000 | $ 69,000 |
| Columbus County North Carolina | 107 | $ 10,674,000 | $ 99,000 | $ 61,000 |
| Person County North Carolina | 105 | $ 13,408,000 | $ 127,000 | $ 74,000 |
| Vance County North Carolina | 104 | $ 11,433,000 | $ 109,000 | $ 63,000 |
| Hertford County North Carolina | 99 | $ 9,904,000 | $ 100,000 | $ 58,000 |
| Swain County North Carolina | 97 | $ 15,034,000 | $ 154,000 | $ 62,000 |
| Ashe County North Carolina | 94 | $ 12,789,000 | $ 136,000 | $ 60,000 |
| Cherokee County North Carolina | 92 | $ 13,112,000 | $ 142,000 | $ 51,000 |
| Bertie County North Carolina | 90 | $ 8,207,000 | $ 91,000 | $ 62,000 |
| Pasquotank County North Carolina | 89 | $ 12,463,000 | $ 140,000 | $ 62,000 |
| Richmond County North Carolina | 84 | $ 7,679,000 | $ 91,000 | $ 68,000 |
| Halifax County North Carolina | 83 | $ 7,277,000 | $ 87,000 | $ 57,000 |
| Caswell County North Carolina | 80 | $ 9,070,000 | $ 113,000 | $ 58,000 |
| Scotland County North Carolina | 80 | $ 6,864,000 | $ 85,000 | $ 56,000 |
| Madison County North Carolina | 79 | $ 10,903,000 | $ 138,000 | $ 56,000 |
| Dare County North Carolina | 78 | $ 13,454,000 | $ 172,000 | $ 69,000 |
| Lee County North Carolina | 77 | $ 10,774,000 | $ 139,000 | $ 71,000 |
| Alexander County North Carolina | 73 | $ 9,023,000 | $ 123,000 | $ 58,000 |
| Avery County North Carolina | 69 | $ 8,806,000 | $ 127,000 | $ 63,000 |
| Davie County North Carolina | 66 | $ 10,019,000 | $ 151,000 | $ 82,000 |
| Hoke County North Carolina | 65 | $ 6,623,000 | $ 101,000 | $ 63,000 |
| Bladen County North Carolina | 58 | $ 5,080,000 | $ 87,000 | $ 50,000 |
| Warren County North Carolina | 55 | $ 5,516,000 | $ 100,000 | $ 50,000 |
| Yadkin County North Carolina | 55 | $ 6,704,000 | $ 121,000 | $ 64,000 |
| Anson County North Carolina | 53 | $ 5,880,000 | $ 110,000 | $ 57,000 |
| Northampton County North Carolina | 51 | $ 4,830,000 | $ 94,000 | $ 66,000 |
| Chowan County North Carolina | 50 | $ 6,278,000 | $ 125,000 | $ 66,000 |
| Transylvania County North Carolina | 50 | $ 8,806,000 | $ 176,000 | $ 190,000 |
| Stokes County North Carolina | 49 | $ 5,266,000 | $ 107,000 | $ 60,000 |
| Currituck County North Carolina | 46 | $ 7,929,000 | $ 172,000 | $ 66,000 |
| Horry County South Carolina | 46 | $ 6,578,000 | $ 143,000 | $ 118,000 |
| Greene County North Carolina | 43 | $ 4,766,000 | $ 110,000 | $ 65,000 |
| Martin County North Carolina | 43 | $ 4,164,000 | $ 96,000 | $ 55,000 |
| Graham County North Carolina | 41 | $ 5,827,000 | $ 142,000 | $ 62,000 |
| Gates County North Carolina | 39 | $ 5,048,000 | $ 129,000 | $ 73,000 |
| Perquimans County North Carolina | 36 | $ 3,854,000 | $ 107,000 | $ 52,000 |
| Alleghany County North Carolina | 33 | $ 4,676,000 | $ 141,000 | $ 82,000 |
| Clay County North Carolina | 29 | $ 4,069,000 | $ 140,000 | $ 63,000 |
| Pamlico County North Carolina | 29 | $ 3,990,000 | $ 137,000 | $ 64,000 |
| Jones County North Carolina | 27 | $ 3,105,000 | $ 115,000 | $ 60,000 |
| Washington County North Carolina | 27 | $ 2,352,000 | $ 87,000 | $ 63,000 |
| Polk County North Carolina | 26 | $ 3,995,000 | $ 153,000 | $ 66,000 |
| York County South Carolina | 26 | $ 5,178,000 | $ 199,000 | $ 90,000 |
| Tyrrell County North Carolina | 21 | $ 2,029,000 | $ 96,000 | $ 56,000 |
| Camden County North Carolina | 20 | $ 3,255,000 | $ 162,000 | $ 64,000 |
| Hyde County North Carolina | 13 | $ 1,118,000 | $ 86,000 | $ 62,000 |
| Carroll County Virginia | 11 | $ 954,000 | $ 86,000 | $ 63,000 |
| Lancaster County South Carolina | 10 | $ 2,355,000 | $ 235,000 | $ 89,000 |
| Spartanburg County South Carolina | 6 | $ 865,000 | $ 144,000 | $ 81,000 |
| Johnson County Tennessee | 6 | $ 1,061,000 | $ 176,000 | $ 86,000 |
| Patrick County Virginia | 6 | $ 520,000 | $ 86,000 | $ 57,000 |
| Mecklenburg County Virginia | 5 | $ 1,183,000 | $ 236,000 | $ 132,000 |
| Chesterfield County South Carolina | 4 | $ 264,000 | $ 66,000 | $ 56,000 |
| Greenville County South Carolina | 4 | $ 531,000 | $ 132,000 | $ 66,000 |
| Cherokee County South Carolina | 3 | $ 365,000 | $ 121,000 | $ 53,000 |
| Oconee County South Carolina | 3 | $ 605,000 | $ 201,000 | $ 75,000 |
| Carter County Tennessee | 3 | $ 370,000 | $ 123,000 | $ 49,000 |
| Danville County Virginia | 3 | $ 256,000 | $ 85,000 | $ 135,000 |
| Franklin City County Virginia | 3 | $ 636,000 | $ 212,000 | $ 74,000 |
| Virginia Beach County Virginia | 3 | $ 710,000 | $ 236,000 | $ 76,000 |
| Dillon County South Carolina | 2 | $ 87,000 | $ 43,000 | $ 36,000 |
| Sevier County Tennessee | 2 | $ 376,000 | $ 188,000 | $ 125,000 |
| Henry County Virginia | 2 | $ 132,000 | $ 66,000 | $ 30,000 |
| Pittsylvania County Virginia | 2 | $ 190,000 | $ 95,000 | $ 71,000 |
| Coweta County Georgia | 1 | $ 2,000 | $ 2,000 | $ 48,000 |
| Towns County Georgia | 1 | $ 142,000 | $ 142,000 | $ 31,000 |
| Union County Georgia | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Cumberland County Maine | 1 | $ 5,000 | $ 5,000 | $ 70,000 |
| Charleston County South Carolina | 1 | $ 130,000 | $ 130,000 | $ 59,000 |
| Greenwood County South Carolina | 1 | $ 400,000 | $ 400,000 | $ 99,000 |
| Pickens County South Carolina | 1 | $ 335,000 | $ 335,000 | $ 125,000 |
| Blount County Tennessee | 1 | $ 126,000 | $ 126,000 | $ 112,000 |
| Greene County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Hawkins County Tennessee | 1 | $ 4,000 | $ 4,000 | $ 30,000 |
| Unicoi County Tennessee | 1 | $ 79,000 | $ 79,000 | $ 60,000 |
| Chesapeake County Virginia | 1 | $ 165,000 | $ 165,000 | $ 38,000 |
| Fairfax County Virginia | 1 | $ 190,000 | $ 190,000 | $ 73,000 |
| Greensville County Virginia | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Halifax County Virginia | 1 | $ 53,000 | $ 53,000 | $ 32,000 |
| Southampton County Virginia | 1 | $ 167,000 | $ 167,000 | $ 43,000 |
| Preston County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for State Employees' Credit Union in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 13,383 | $1,999,674,000 | $149,000 | $1,000,000 | $74,000 | $5,977,000 |
| Home Purchase | 6,698 | $999,448,000 | $149,000 | $1,000,000 | $67,000 | $752,000 |
| Home Improvement | 836 | $29,928,000 | $35,000 | $500,000 | $63,000 | $1,534,000 |
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 | 16,816 | $2,505,026,000 | $148,000 | $1,000,000 | $73,000 | $5,977,000 |
| Black or African American | 2,820 | $345,305,000 | $122,000 | $502,000 | $63,000 | $1,534,000 |
| Not Provided | 521 | $68,983,000 | $132,000 | $500,000 | $72,000 | $710,000 |
| Hispanic | 339 | $47,951,000 | $141,000 | $724,000 | $65,000 | $433,000 |
| American Indian or Alaskan Native | 201 | $22,357,000 | $111,000 | $450,000 | $63,000 | $296,000 |
| Asian | 200 | $36,687,000 | $183,000 | $700,000 | $83,000 | $452,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $2,741,000 | $137,000 | $249,000 | $64,000 | $136,000 |
| 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) | 20,917 | $3,029,050,000 | $144,000 | $1,000,000 | $71,000 | $5,977,000 |
| 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 | 14,476 | $2,132,679,000 | $147,000 | $1,000,000 | $74,000 | $883,000 |
| Application Denied By Financial Institution | 2,814 | $361,036,000 | $128,000 | $725,000 | $57,000 | $1,534,000 |
| Application Withdrawn By Applicant | 2,139 | $321,556,000 | $150,000 | $724,000 | $71,000 | $681,000 |
| Application Approved But Not Accepted | 665 | $103,522,000 | $155,000 | $563,000 | $75,000 | $300,000 |
| Loan Purchased By The Institution | 646 | $81,284,000 | $125,000 | $437,000 | $66,000 | $300,000 |
| File Closed For Incompleteness | 177 | $28,973,000 | $163,000 | $1,000,000 | $110,000 | $5,977,000 |
| 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 | 1,094 | $116,437,000 | $106,000 | $492,000 | $55,000 | $1,534,000 |
| Debt-To-Income Ratio | 891 | $128,849,000 | $144,000 | $725,000 | $48,000 | $246,000 |
| Collateral | 512 | $76,737,000 | $149,000 | $700,000 | $73,000 | $710,000 |
| Other | 167 | $21,047,000 | $126,000 | $604,000 | $59,000 | $204,000 |
| Credit Application Incomplete | 49 | $2,579,000 | $52,000 | $465,000 | $66,000 | $161,000 |
| Employment History | 39 | $5,468,000 | $140,000 | $368,000 | $51,000 | $252,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 39 | $6,302,000 | $161,000 | $393,000 | $65,000 | $130,000 |
| Unverifiable Information | 23 | $3,617,000 | $157,000 | $375,000 | $57,000 | $255,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Employees' Credit Union's 2009 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.