State Employees'
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
State Employees' 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 | State Employees' P.O. Drawer 25279 Raleigh, NC 27611 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 |
| Total Number of Mortgage Applications | 26,183 |
| Total Mortgage Loan Application Amount | $3,784,839,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $2,235,000 |
| Average Applicant Income | $73,666 |
| Highest Applicant Income | $2,095,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with State Employees'. 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''s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2014 breaks down State Employees''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' serves its applicants.
Each category highlights the total number of mortgage applications processed by State Employees', 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''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 |
|---|---|---|---|---|
| Wake County North Carolina | 3,528 | $ 668,416,000 | $ 189,000 | $ 88,000 |
| Guilford County North Carolina | 1,131 | $ 159,036,000 | $ 140,000 | $ 71,000 |
| Mecklenburg County North Carolina | 1,090 | $ 186,941,000 | $ 171,000 | $ 88,000 |
| Durham County North Carolina | 1,022 | $ 162,098,000 | $ 158,000 | $ 78,000 |
| Buncombe County North Carolina | 987 | $ 170,177,000 | $ 172,000 | $ 74,000 |
| Johnston County North Carolina | 804 | $ 113,618,000 | $ 141,000 | $ 71,000 |
| Orange County North Carolina | 584 | $ 113,197,000 | $ 193,000 | $ 94,000 |
| Alamance County North Carolina | 527 | $ 70,150,000 | $ 133,000 | $ 68,000 |
| Iredell County North Carolina | 516 | $ 78,418,000 | $ 151,000 | $ 68,000 |
| Forsyth County North Carolina | 499 | $ 68,456,000 | $ 137,000 | $ 73,000 |
| Cabarrus County North Carolina | 495 | $ 73,127,000 | $ 147,000 | $ 70,000 |
| New Hanover County North Carolina | 462 | $ 79,751,000 | $ 172,000 | $ 85,000 |
| Pitt County North Carolina | 428 | $ 53,700,000 | $ 125,000 | $ 74,000 |
| Union County North Carolina | 428 | $ 68,308,000 | $ 159,000 | $ 77,000 |
| Burke County North Carolina | 424 | $ 47,123,000 | $ 111,000 | $ 61,000 |
| Wayne County North Carolina | 377 | $ 43,023,000 | $ 114,000 | $ 66,000 |
| Catawba County North Carolina | 369 | $ 51,104,000 | $ 138,000 | $ 73,000 |
| Henderson County North Carolina | 356 | $ 55,020,000 | $ 154,000 | $ 70,000 |
| Randolph County North Carolina | 342 | $ 40,723,000 | $ 119,000 | $ 63,000 |
| Harnett County North Carolina | 335 | $ 39,563,000 | $ 118,000 | $ 61,000 |
| Brunswick County North Carolina | 323 | $ 47,517,000 | $ 147,000 | $ 90,000 |
| Chatham County North Carolina | 323 | $ 59,433,000 | $ 184,000 | $ 83,000 |
| Gaston County North Carolina | 309 | $ 41,113,000 | $ 133,000 | $ 73,000 |
| Rowan County North Carolina | 307 | $ 37,057,000 | $ 120,000 | $ 66,000 |
| Davidson County North Carolina | 297 | $ 37,243,000 | $ 125,000 | $ 68,000 |
| Carteret County North Carolina | 292 | $ 53,227,000 | $ 182,000 | $ 95,000 |
| Cumberland County North Carolina | 284 | $ 33,567,000 | $ 118,000 | $ 69,000 |
| Wilkes County North Carolina | 284 | $ 33,857,000 | $ 119,000 | $ 70,000 |
| Stanly County North Carolina | 279 | $ 32,061,000 | $ 114,000 | $ 59,000 |
| Wilson County North Carolina | 268 | $ 32,664,000 | $ 121,000 | $ 66,000 |
| Surry County North Carolina | 266 | $ 29,240,000 | $ 109,000 | $ 62,000 |
| Nash County North Carolina | 257 | $ 30,132,000 | $ 117,000 | $ 62,000 |
| Rutherford County North Carolina | 257 | $ 27,321,000 | $ 106,000 | $ 64,000 |
| Granville County North Carolina | 230 | $ 30,485,000 | $ 132,000 | $ 66,000 |
| Moore County North Carolina | 225 | $ 32,565,000 | $ 144,000 | $ 75,000 |
| Robeson County North Carolina | 222 | $ 21,596,000 | $ 97,000 | $ 65,000 |
| Caldwell County North Carolina | 218 | $ 24,201,000 | $ 111,000 | $ 63,000 |
| McDowell County North Carolina | 214 | $ 25,307,000 | $ 118,000 | $ 61,000 |
| Lenoir County North Carolina | 209 | $ 20,761,000 | $ 99,000 | $ 63,000 |
| Franklin County North Carolina | 199 | $ 28,420,000 | $ 142,000 | $ 70,000 |
| Montgomery County North Carolina | 192 | $ 19,347,000 | $ 100,000 | $ 65,000 |
| Watauga County North Carolina | 181 | $ 29,535,000 | $ 163,000 | $ 72,000 |
| Haywood County North Carolina | 179 | $ 25,497,000 | $ 142,000 | $ 66,000 |
| Onslow County North Carolina | 169 | $ 20,034,000 | $ 118,000 | $ 65,000 |
| Rockingham County North Carolina | 169 | $ 18,927,000 | $ 111,000 | $ 60,000 |
| Cleveland County North Carolina | 162 | $ 18,983,000 | $ 117,000 | $ 65,000 |
| Craven County North Carolina | 159 | $ 20,690,000 | $ 130,000 | $ 76,000 |
| Jackson County North Carolina | 156 | $ 23,398,000 | $ 149,000 | $ 72,000 |
| Lincoln County North Carolina | 155 | $ 23,721,000 | $ 153,000 | $ 77,000 |
| Ashe County North Carolina | 148 | $ 21,032,000 | $ 142,000 | $ 76,000 |
| Richmond County North Carolina | 143 | $ 12,628,000 | $ 88,000 | $ 61,000 |
| Person County North Carolina | 134 | $ 15,880,000 | $ 118,000 | $ 63,000 |
| Beaufort County North Carolina | 130 | $ 15,536,000 | $ 119,000 | $ 73,000 |
| Cherokee County North Carolina | 130 | $ 15,060,000 | $ 115,000 | $ 55,000 |
| Davie County North Carolina | 129 | $ 18,774,000 | $ 145,000 | $ 69,000 |
| Pender County North Carolina | 129 | $ 19,898,000 | $ 154,000 | $ 87,000 |
| Vance County North Carolina | 128 | $ 12,073,000 | $ 94,000 | $ 60,000 |
| Yancey County North Carolina | 128 | $ 16,164,000 | $ 126,000 | $ 60,000 |
| Lee County North Carolina | 126 | $ 16,247,000 | $ 128,000 | $ 67,000 |
| Edgecombe County North Carolina | 125 | $ 11,230,000 | $ 89,000 | $ 54,000 |
| Duplin County North Carolina | 122 | $ 12,828,000 | $ 105,000 | $ 64,000 |
| Macon County North Carolina | 119 | $ 15,198,000 | $ 127,000 | $ 61,000 |
| Madison County North Carolina | 106 | $ 15,044,000 | $ 141,000 | $ 63,000 |
| Horry County South Carolina | 105 | $ 15,570,000 | $ 148,000 | $ 106,000 |
| Columbus County North Carolina | 103 | $ 10,887,000 | $ 105,000 | $ 61,000 |
| Hertford County North Carolina | 103 | $ 10,110,000 | $ 98,000 | $ 62,000 |
| Halifax County North Carolina | 99 | $ 10,221,000 | $ 103,000 | $ 58,000 |
| Sampson County North Carolina | 99 | $ 11,601,000 | $ 117,000 | $ 75,000 |
| Yadkin County North Carolina | 98 | $ 10,912,000 | $ 111,000 | $ 58,000 |
| Alexander County North Carolina | 93 | $ 11,787,000 | $ 126,000 | $ 63,000 |
| Mitchell County North Carolina | 93 | $ 10,900,000 | $ 117,000 | $ 62,000 |
| Bertie County North Carolina | 87 | $ 6,615,000 | $ 76,000 | $ 57,000 |
| Dare County North Carolina | 86 | $ 16,720,000 | $ 194,000 | $ 80,000 |
| Scotland County North Carolina | 86 | $ 7,705,000 | $ 89,000 | $ 54,000 |
| Swain County North Carolina | 85 | $ 10,970,000 | $ 129,000 | $ 55,000 |
| Transylvania County North Carolina | 82 | $ 11,718,000 | $ 142,000 | $ 67,000 |
| Northampton County North Carolina | 78 | $ 7,480,000 | $ 95,000 | $ 64,000 |
| Warren County North Carolina | 77 | $ 6,985,000 | $ 90,000 | $ 54,000 |
| Greene County North Carolina | 76 | $ 6,135,000 | $ 80,000 | $ 55,000 |
| Pasquotank County North Carolina | 74 | $ 7,881,000 | $ 106,000 | $ 65,000 |
| Caswell County North Carolina | 73 | $ 7,873,000 | $ 107,000 | $ 60,000 |
| Hoke County North Carolina | 69 | $ 7,717,000 | $ 111,000 | $ 78,000 |
| Stokes County North Carolina | 65 | $ 7,721,000 | $ 118,000 | $ 59,000 |
| Avery County North Carolina | 64 | $ 9,403,000 | $ 146,000 | $ 76,000 |
| Jones County North Carolina | 58 | $ 6,069,000 | $ 104,000 | $ 59,000 |
| Martin County North Carolina | 58 | $ 5,097,000 | $ 87,000 | $ 64,000 |
| Anson County North Carolina | 57 | $ 4,891,000 | $ 85,000 | $ 53,000 |
| Washington County North Carolina | 55 | $ 4,324,000 | $ 78,000 | $ 53,000 |
| Alleghany County North Carolina | 52 | $ 5,472,000 | $ 105,000 | $ 51,000 |
| Chowan County North Carolina | 52 | $ 6,346,000 | $ 122,000 | $ 69,000 |
| Bladen County North Carolina | 50 | $ 6,138,000 | $ 122,000 | $ 59,000 |
| Polk County North Carolina | 49 | $ 6,734,000 | $ 137,000 | $ 74,000 |
| York County South Carolina | 48 | $ 8,313,000 | $ 173,000 | $ 82,000 |
| Currituck County North Carolina | 46 | $ 6,364,000 | $ 138,000 | $ 65,000 |
| Graham County North Carolina | 42 | $ 4,090,000 | $ 97,000 | $ 50,000 |
| Clay County North Carolina | 41 | $ 5,600,000 | $ 136,000 | $ 56,000 |
| Perquimans County North Carolina | 40 | $ 5,746,000 | $ 143,000 | $ 69,000 |
| Tyrrell County North Carolina | 37 | $ 3,899,000 | $ 105,000 | $ 47,000 |
| Camden County North Carolina | 34 | $ 5,718,000 | $ 168,000 | $ 76,000 |
| Gates County North Carolina | 30 | $ 3,363,000 | $ 112,000 | $ 63,000 |
| Hyde County North Carolina | 30 | $ 3,191,000 | $ 106,000 | $ 51,000 |
| Pamlico County North Carolina | 24 | $ 2,849,000 | $ 118,000 | $ 73,000 |
| Spartanburg County South Carolina | 21 | $ 2,299,000 | $ 109,000 | $ 76,000 |
| Lancaster County South Carolina | 16 | $ 3,759,000 | $ 234,000 | $ 98,000 |
| Greenville County South Carolina | 13 | $ 1,705,000 | $ 131,000 | $ 76,000 |
| Oconee County South Carolina | 12 | $ 1,844,000 | $ 153,000 | $ 90,000 |
| Carroll County Virginia | 10 | $ 950,000 | $ 95,000 | $ 53,000 |
| Charleston County South Carolina | 9 | $ 2,253,000 | $ 250,000 | $ 77,000 |
| Towns County Georgia | 8 | $ 1,050,000 | $ 131,000 | $ 63,000 |
| Cherokee County South Carolina | 8 | $ 803,000 | $ 100,000 | $ 38,000 |
| Danville County Virginia | 8 | $ 796,000 | $ 99,000 | $ 58,000 |
| Grayson County Virginia | 7 | $ 980,000 | $ 140,000 | $ 89,000 |
| Patrick County Virginia | 7 | $ 840,000 | $ 120,000 | $ 62,000 |
| Union County Georgia | 6 | $ 742,000 | $ 123,000 | $ 53,000 |
| Johnson County Tennessee | 6 | $ 830,000 | $ 138,000 | $ 71,000 |
| Chesapeake County Virginia | 6 | $ 1,648,000 | $ 274,000 | $ 112,000 |
| Fulton County Georgia | 5 | $ 702,000 | $ 140,000 | $ 68,000 |
| Chesterfield County South Carolina | 5 | $ 382,000 | $ 76,000 | $ 48,000 |
| Georgetown County South Carolina | 5 | $ 576,000 | $ 115,000 | $ 94,000 |
| Pickens County South Carolina | 5 | $ 317,000 | $ 63,000 | $ 80,000 |
| Richland County South Carolina | 5 | $ 646,000 | $ 129,000 | $ 75,000 |
| Greene County Tennessee | 5 | $ 642,000 | $ 128,000 | $ 62,000 |
| Cobb County Georgia | 4 | $ 1,082,000 | $ 270,000 | $ 116,000 |
| DeKalb County Georgia | 4 | $ 449,000 | $ 112,000 | $ 124,000 |
| Rabun County Georgia | 4 | $ 443,000 | $ 110,000 | $ 50,000 |
| Lexington County South Carolina | 4 | $ 797,000 | $ 199,000 | $ 151,000 |
| Washington County Tennessee | 4 | $ 489,000 | $ 122,000 | $ 64,000 |
| Chesterfield County Virginia | 4 | $ 782,000 | $ 195,000 | $ 85,000 |
| Gwinnett County Georgia | 3 | $ 398,000 | $ 132,000 | $ 101,000 |
| Florence County South Carolina | 3 | $ 562,000 | $ 187,000 | $ 80,000 |
| Marlboro County South Carolina | 3 | $ 102,000 | $ 34,000 | $ 24,000 |
| Carter County Tennessee | 3 | $ 278,000 | $ 92,000 | $ 73,000 |
| Sevier County Tennessee | 3 | $ 408,000 | $ 136,000 | $ 123,000 |
| Unicoi County Tennessee | 3 | $ 387,000 | $ 129,000 | $ 75,000 |
| Albemarle County Virginia | 3 | $ 760,000 | $ 253,000 | $ 102,000 |
| Halifax County Virginia | 3 | $ 510,000 | $ 170,000 | $ 51,000 |
| Mecklenburg County Virginia | 3 | $ 343,000 | $ 114,000 | $ 82,000 |
| Pittsylvania County Virginia | 3 | $ 334,000 | $ 111,000 | $ 66,000 |
| Bulloch County Georgia | 2 | $ 415,000 | $ 207,000 | $ 114,000 |
| Forsyth County Georgia | 2 | $ 597,000 | $ 298,000 | $ 112,000 |
| Oconee County Georgia | 2 | $ 451,000 | $ 225,000 | $ 72,000 |
| Aiken County South Carolina | 2 | $ 1,033,000 | $ 516,000 | $ 333,000 |
| Beaufort County South Carolina | 2 | $ 693,000 | $ 346,000 | $ 200,000 |
| Cocke County Tennessee | 2 | $ 160,000 | $ 80,000 | $ 36,000 |
| Hamilton County Tennessee | 2 | $ 522,000 | $ 261,000 | $ 97,000 |
| Jefferson County Tennessee | 2 | $ 210,000 | $ 105,000 | $ 87,000 |
| Brunswick County Virginia | 2 | $ 421,000 | $ 210,000 | $ 132,000 |
| Campbell County Virginia | 2 | $ 233,000 | $ 116,000 | $ 59,000 |
| Henry County Virginia | 2 | $ 115,000 | $ 57,000 | $ 37,000 |
| James City County Virginia | 2 | $ 395,000 | $ 197,000 | $ 53,000 |
| Lancaster County Virginia | 2 | $ 203,000 | $ 101,000 | $ 91,000 |
| Norfolk County Virginia | 2 | $ 553,000 | $ 276,000 | $ 170,000 |
| Richmond City County Virginia | 2 | $ 929,000 | $ 464,000 | $ 217,000 |
| Virginia Beach County Virginia | 2 | $ 663,000 | $ 331,000 | $ 167,000 |
| Chatham County Georgia | 1 | $ 156,000 | $ 156,000 | $ 72,000 |
| Elbert County Georgia | 1 | $ 65,000 | $ 65,000 | $ 22,000 |
| Fannin County Georgia | 1 | $ 117,000 | $ 117,000 | $ 68,000 |
| Greene County Georgia | 1 | $ 340,000 | $ 340,000 | $ 76,000 |
| Jackson County Georgia | 1 | $ 173,000 | $ 173,000 | $ 65,000 |
| Lowndes County Georgia | 1 | $ 242,000 | $ 242,000 | $ 127,000 |
| Upson County Georgia | 1 | $ 71,000 | $ 71,000 | $ 29,000 |
| Orleans County Louisiana | 1 | $ 180,000 | $ 180,000 | $ 59,000 |
| Abbeville County South Carolina | 1 | $ 188,000 | $ 188,000 | $ 125,000 |
| Anderson County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 119,000 |
| Berkeley County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 105,000 |
| Calhoun County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
| Chester County South Carolina | 1 | $ 62,000 | $ 62,000 | $ 40,000 |
| Clarendon County South Carolina | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Dillon County South Carolina | 1 | $ 103,000 | $ 103,000 | $ 77,000 |
| Dorchester County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Lee County South Carolina | 1 | $ 251,000 | $ 251,000 | $ 220,000 |
| McCormick County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 115,000 |
| Sumter County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| Hamblen County Tennessee | 1 | $ 53,000 | $ 53,000 | $ 60,000 |
| Polk County Tennessee | 1 | $ 177,000 | $ 177,000 | $ 51,000 |
| Williamson County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 72,000 |
| Alexandria County Virginia | 1 | $ 495,000 | $ 495,000 | $ 252,000 |
| Amherst County Virginia | 1 | $ 19,000 | $ 19,000 | $ 56,000 |
| Augusta County Virginia | 1 | $ 144,000 | $ 144,000 | $ 72,000 |
| Bedford County Virginia | 1 | $ 230,000 | $ 230,000 | $ 122,000 |
| Cumberland County Virginia | 1 | $ 120,000 | $ 120,000 | $ 52,000 |
| Fairfax County Virginia | 1 | $ 173,000 | $ 173,000 | $ 160,000 |
| Franklin County Virginia | 1 | $ 200,000 | $ 200,000 | $ 97,000 |
| Greensville County Virginia | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Hampton County Virginia | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Martinsville County Virginia | 1 | $ 90,000 | $ 90,000 | $ 40,000 |
| Mathews County Virginia | 1 | $ 114,000 | $ 114,000 | $ 65,000 |
| Nelson County Virginia | 1 | $ 170,000 | $ 170,000 | $ 177,000 |
| Prince George County Virginia | 1 | $ 85,000 | $ 85,000 | $ 53,000 |
| Prince William County Virginia | 1 | $ 333,000 | $ 333,000 | $ 67,000 |
| Roanoke County Virginia | 1 | $ 200,000 | $ 200,000 | $ 108,000 |
| Rockbridge County Virginia | 1 | $ 193,000 | $ 193,000 | $ 103,000 |
| Rockingham County Virginia | 1 | $ 153,000 | $ 153,000 | $ 119,000 |
| Salem County Virginia | 1 | $ 78,000 | $ 78,000 | $ 64,000 |
| Shenandoah County Virginia | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
| Smyth County Virginia | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Southampton County Virginia | 1 | $ 145,000 | $ 145,000 | $ 69,000 |
| Staunton County Virginia | 1 | $ 209,000 | $ 209,000 | $ 52,000 |
| Washington County Virginia | 1 | $ 104,000 | $ 104,000 | $ 33,000 |
| Fremont County Wyoming | 1 | $ 90,000 | $ 90,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for State Employees' 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 | 14,257 | $2,130,844,000 | $149,000 | $1,221,000 | $72,000 | $2,095,000 |
| Refinancing | 10,382 | $1,449,784,000 | $139,000 | $2,235,000 | $76,000 | $875,000 |
| Home Improvement | 1,544 | $204,211,000 | $132,000 | $965,000 | $73,000 | $576,000 |
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 | 19,954 | $2,998,429,000 | $150,000 | $2,235,000 | $76,000 | $2,095,000 |
| Black or African American | 4,676 | $570,208,000 | $121,000 | $690,000 | $62,000 | $780,000 |
| Not Provided | 602 | $86,320,000 | $143,000 | $724,000 | $76,000 | $579,000 |
| Hispanic | 514 | $65,442,000 | $127,000 | $523,000 | $62,000 | $533,000 |
| American Indian or Alaskan Native | 205 | $26,532,000 | $129,000 | $975,000 | $69,000 | $273,000 |
| Asian | 205 | $34,640,000 | $168,000 | $656,000 | $90,000 | $568,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $3,268,000 | $121,000 | $268,000 | $63,000 | $176,000 |
| 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) | 26,183 | $3,784,839,000 | $144,000 | $2,235,000 | $74,000 | $2,095,000 |
| 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 | 18,375 | $2,756,420,000 | $150,000 | $2,235,000 | $77,000 | $2,095,000 |
| Application Denied By Financial Institution | 3,242 | $411,152,000 | $126,000 | $975,000 | $58,000 | $442,000 |
| Application Withdrawn By Applicant | 2,309 | $328,518,000 | $142,000 | $965,000 | $74,000 | $831,000 |
| Loan Purchased By The Institution | 1,690 | $210,400,000 | $124,000 | $517,000 | $65,000 | $425,000 |
| Application Approved But Not Accepted | 434 | $61,588,000 | $141,000 | $675,000 | $75,000 | $448,000 |
| File Closed For Incompleteness | 133 | $16,761,000 | $126,000 | $400,000 | $62,000 | $288,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1,162 | $160,058,000 | $137,000 | $975,000 | $73,000 | $442,000 |
| Credit History | 949 | $107,046,000 | $112,000 | $614,000 | $54,000 | $418,000 |
| Debt-To-Income Ratio | 770 | $100,540,000 | $130,000 | $857,000 | $42,000 | $240,000 |
| Other | 195 | $23,103,000 | $118,000 | $675,000 | $61,000 | $296,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 62 | $8,563,000 | $138,000 | $855,000 | $56,000 | $205,000 |
| Unverifiable Information | 60 | $7,596,000 | $126,000 | $464,000 | $52,000 | $151,000 |
| Employment History | 39 | $3,710,000 | $95,000 | $300,000 | $41,000 | $109,000 |
| Credit Application Incomplete | 4 | $491,000 | $122,000 | $176,000 | $42,000 | $52,000 |
| Mortgage Insurance Denied | 1 | $45,000 | $45,000 | $45,000 | $40,000 | $40,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Employees''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 State Employees''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.