State Employees'
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
State Employees' 2015 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 | 29,268 |
| Total Mortgage Loan Application Amount | $4,316,698,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $1,740,000 |
| Average Applicant Income | $75,333 |
| Highest Applicant Income | $1,997,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 3,956 | $ 763,135,000 | $ 192,000 | $ 90,000 |
| Mecklenburg County North Carolina | 1,371 | $ 231,388,000 | $ 168,000 | $ 86,000 |
| Guilford County North Carolina | 1,340 | $ 182,520,000 | $ 136,000 | $ 72,000 |
| Buncombe County North Carolina | 1,208 | $ 211,538,000 | $ 175,000 | $ 72,000 |
| Durham County North Carolina | 1,142 | $ 183,424,000 | $ 160,000 | $ 81,000 |
| Johnston County North Carolina | 823 | $ 120,753,000 | $ 146,000 | $ 74,000 |
| Alamance County North Carolina | 635 | $ 86,949,000 | $ 136,000 | $ 71,000 |
| Cabarrus County North Carolina | 584 | $ 90,488,000 | $ 154,000 | $ 76,000 |
| New Hanover County North Carolina | 572 | $ 102,387,000 | $ 178,000 | $ 89,000 |
| Pitt County North Carolina | 571 | $ 72,954,000 | $ 127,000 | $ 72,000 |
| Orange County North Carolina | 566 | $ 114,954,000 | $ 203,000 | $ 102,000 |
| Iredell County North Carolina | 559 | $ 80,486,000 | $ 143,000 | $ 70,000 |
| Forsyth County North Carolina | 548 | $ 77,037,000 | $ 140,000 | $ 78,000 |
| Union County North Carolina | 454 | $ 80,055,000 | $ 176,000 | $ 79,000 |
| Wayne County North Carolina | 424 | $ 48,307,000 | $ 113,000 | $ 67,000 |
| Burke County North Carolina | 422 | $ 49,425,000 | $ 117,000 | $ 64,000 |
| Henderson County North Carolina | 419 | $ 71,576,000 | $ 170,000 | $ 73,000 |
| Catawba County North Carolina | 403 | $ 54,720,000 | $ 135,000 | $ 72,000 |
| Brunswick County North Carolina | 400 | $ 62,483,000 | $ 156,000 | $ 89,000 |
| Gaston County North Carolina | 374 | $ 50,056,000 | $ 133,000 | $ 80,000 |
| Stanly County North Carolina | 363 | $ 43,121,000 | $ 118,000 | $ 65,000 |
| Harnett County North Carolina | 359 | $ 42,435,000 | $ 118,000 | $ 64,000 |
| Rowan County North Carolina | 352 | $ 42,286,000 | $ 120,000 | $ 65,000 |
| Randolph County North Carolina | 347 | $ 44,095,000 | $ 127,000 | $ 66,000 |
| Davidson County North Carolina | 343 | $ 44,091,000 | $ 128,000 | $ 69,000 |
| Chatham County North Carolina | 316 | $ 58,509,000 | $ 185,000 | $ 94,000 |
| Cumberland County North Carolina | 312 | $ 37,412,000 | $ 119,000 | $ 74,000 |
| Wilson County North Carolina | 307 | $ 37,373,000 | $ 121,000 | $ 68,000 |
| Nash County North Carolina | 294 | $ 36,517,000 | $ 124,000 | $ 67,000 |
| Surry County North Carolina | 289 | $ 32,843,000 | $ 113,000 | $ 61,000 |
| Granville County North Carolina | 266 | $ 39,212,000 | $ 147,000 | $ 71,000 |
| Wilkes County North Carolina | 264 | $ 32,201,000 | $ 121,000 | $ 65,000 |
| Carteret County North Carolina | 261 | $ 46,617,000 | $ 178,000 | $ 98,000 |
| McDowell County North Carolina | 260 | $ 31,893,000 | $ 122,000 | $ 63,000 |
| Rutherford County North Carolina | 242 | $ 29,166,000 | $ 120,000 | $ 68,000 |
| Robeson County North Carolina | 240 | $ 22,887,000 | $ 95,000 | $ 67,000 |
| Franklin County North Carolina | 237 | $ 33,110,000 | $ 139,000 | $ 71,000 |
| Lenoir County North Carolina | 231 | $ 22,618,000 | $ 97,000 | $ 68,000 |
| Onslow County North Carolina | 225 | $ 30,568,000 | $ 135,000 | $ 74,000 |
| Moore County North Carolina | 219 | $ 30,583,000 | $ 139,000 | $ 79,000 |
| Caldwell County North Carolina | 206 | $ 23,522,000 | $ 114,000 | $ 67,000 |
| Haywood County North Carolina | 203 | $ 28,556,000 | $ 140,000 | $ 67,000 |
| Cleveland County North Carolina | 200 | $ 22,185,000 | $ 110,000 | $ 65,000 |
| Montgomery County North Carolina | 188 | $ 18,561,000 | $ 98,000 | $ 59,000 |
| Watauga County North Carolina | 188 | $ 34,461,000 | $ 183,000 | $ 81,000 |
| Rockingham County North Carolina | 187 | $ 21,021,000 | $ 112,000 | $ 65,000 |
| Craven County North Carolina | 180 | $ 20,768,000 | $ 115,000 | $ 60,000 |
| Jackson County North Carolina | 168 | $ 26,936,000 | $ 160,000 | $ 76,000 |
| Pender County North Carolina | 168 | $ 26,400,000 | $ 157,000 | $ 84,000 |
| Lincoln County North Carolina | 159 | $ 22,135,000 | $ 139,000 | $ 70,000 |
| Person County North Carolina | 158 | $ 18,008,000 | $ 113,000 | $ 70,000 |
| Davie County North Carolina | 155 | $ 20,851,000 | $ 134,000 | $ 70,000 |
| Richmond County North Carolina | 151 | $ 13,856,000 | $ 91,000 | $ 62,000 |
| Yancey County North Carolina | 137 | $ 17,842,000 | $ 130,000 | $ 63,000 |
| Vance County North Carolina | 133 | $ 13,707,000 | $ 103,000 | $ 64,000 |
| Beaufort County North Carolina | 132 | $ 16,432,000 | $ 124,000 | $ 75,000 |
| Halifax County North Carolina | 129 | $ 12,381,000 | $ 95,000 | $ 63,000 |
| Cherokee County North Carolina | 128 | $ 15,329,000 | $ 119,000 | $ 55,000 |
| Sampson County North Carolina | 128 | $ 14,195,000 | $ 110,000 | $ 67,000 |
| Lee County North Carolina | 123 | $ 15,937,000 | $ 129,000 | $ 67,000 |
| Edgecombe County North Carolina | 119 | $ 9,566,000 | $ 80,000 | $ 55,000 |
| Ashe County North Carolina | 118 | $ 18,545,000 | $ 157,000 | $ 85,000 |
| Dare County North Carolina | 115 | $ 20,563,000 | $ 178,000 | $ 73,000 |
| Horry County South Carolina | 115 | $ 18,001,000 | $ 156,000 | $ 103,000 |
| Columbus County North Carolina | 112 | $ 10,233,000 | $ 91,000 | $ 60,000 |
| Duplin County North Carolina | 111 | $ 11,646,000 | $ 104,000 | $ 69,000 |
| Scotland County North Carolina | 111 | $ 10,898,000 | $ 98,000 | $ 65,000 |
| Yadkin County North Carolina | 109 | $ 12,520,000 | $ 114,000 | $ 64,000 |
| Hertford County North Carolina | 103 | $ 10,207,000 | $ 99,000 | $ 66,000 |
| Macon County North Carolina | 103 | $ 14,028,000 | $ 136,000 | $ 67,000 |
| Madison County North Carolina | 94 | $ 13,376,000 | $ 142,000 | $ 67,000 |
| Mitchell County North Carolina | 88 | $ 9,484,000 | $ 107,000 | $ 56,000 |
| Pasquotank County North Carolina | 87 | $ 10,467,000 | $ 120,000 | $ 68,000 |
| Swain County North Carolina | 87 | $ 11,287,000 | $ 129,000 | $ 78,000 |
| Northampton County North Carolina | 83 | $ 8,201,000 | $ 98,000 | $ 81,000 |
| Stokes County North Carolina | 83 | $ 9,417,000 | $ 113,000 | $ 67,000 |
| Alexander County North Carolina | 82 | $ 8,977,000 | $ 109,000 | $ 60,000 |
| Bertie County North Carolina | 82 | $ 7,408,000 | $ 90,000 | $ 58,000 |
| Greene County North Carolina | 82 | $ 7,174,000 | $ 87,000 | $ 61,000 |
| Bladen County North Carolina | 79 | $ 7,041,000 | $ 89,000 | $ 61,000 |
| Transylvania County North Carolina | 78 | $ 12,757,000 | $ 163,000 | $ 78,000 |
| Warren County North Carolina | 78 | $ 9,619,000 | $ 123,000 | $ 61,000 |
| Caswell County North Carolina | 74 | $ 8,079,000 | $ 109,000 | $ 63,000 |
| Anson County North Carolina | 68 | $ 6,090,000 | $ 89,000 | $ 60,000 |
| Hoke County North Carolina | 67 | $ 6,783,000 | $ 101,000 | $ 62,000 |
| Martin County North Carolina | 67 | $ 6,071,000 | $ 90,000 | $ 66,000 |
| Avery County North Carolina | 60 | $ 8,288,000 | $ 138,000 | $ 77,000 |
| Clay County North Carolina | 60 | $ 7,228,000 | $ 120,000 | $ 56,000 |
| York County South Carolina | 58 | $ 11,982,000 | $ 206,000 | $ 92,000 |
| Washington County North Carolina | 56 | $ 4,040,000 | $ 72,000 | $ 50,000 |
| Currituck County North Carolina | 53 | $ 7,753,000 | $ 146,000 | $ 71,000 |
| Perquimans County North Carolina | 52 | $ 5,400,000 | $ 103,000 | $ 54,000 |
| Alleghany County North Carolina | 48 | $ 5,258,000 | $ 109,000 | $ 66,000 |
| Chowan County North Carolina | 48 | $ 5,186,000 | $ 108,000 | $ 57,000 |
| Tyrrell County North Carolina | 46 | $ 4,394,000 | $ 95,000 | $ 49,000 |
| Spartanburg County South Carolina | 45 | $ 5,944,000 | $ 132,000 | $ 67,000 |
| Jones County North Carolina | 41 | $ 3,978,000 | $ 97,000 | $ 56,000 |
| Graham County North Carolina | 40 | $ 4,265,000 | $ 106,000 | $ 56,000 |
| Hyde County North Carolina | 35 | $ 3,409,000 | $ 97,000 | $ 62,000 |
| Polk County North Carolina | 34 | $ 4,840,000 | $ 142,000 | $ 68,000 |
| Lancaster County South Carolina | 31 | $ 7,481,000 | $ 241,000 | $ 93,000 |
| Gates County North Carolina | 29 | $ 3,888,000 | $ 134,000 | $ 68,000 |
| Pamlico County North Carolina | 27 | $ 3,137,000 | $ 116,000 | $ 71,000 |
| Camden County North Carolina | 26 | $ 3,560,000 | $ 136,000 | $ 64,000 |
| Greenville County South Carolina | 16 | $ 2,613,000 | $ 163,000 | $ 86,000 |
| Union County Georgia | 13 | $ 1,945,000 | $ 149,000 | $ 70,000 |
| Charleston County South Carolina | 12 | $ 4,462,000 | $ 371,000 | $ 150,000 |
| Carroll County Virginia | 11 | $ 1,125,000 | $ 102,000 | $ 62,000 |
| Cobb County Georgia | 10 | $ 2,189,000 | $ 218,000 | $ 130,000 |
| DeKalb County Georgia | 9 | $ 2,241,000 | $ 249,000 | $ 114,000 |
| Gwinnett County Georgia | 8 | $ 1,735,000 | $ 216,000 | $ 97,000 |
| Towns County Georgia | 8 | $ 1,010,000 | $ 126,000 | $ 52,000 |
| Davidson County Tennessee | 8 | $ 1,972,000 | $ 246,000 | $ 126,000 |
| Danville County Virginia | 8 | $ 683,000 | $ 85,000 | $ 62,000 |
| Cherokee County South Carolina | 7 | $ 849,000 | $ 121,000 | $ 68,000 |
| Grayson County Virginia | 7 | $ 517,000 | $ 73,000 | $ 73,000 |
| Pittsylvania County Virginia | 7 | $ 752,000 | $ 107,000 | $ 42,000 |
| Beaufort County South Carolina | 6 | $ 1,292,000 | $ 215,000 | $ 107,000 |
| Georgetown County South Carolina | 6 | $ 827,000 | $ 137,000 | $ 71,000 |
| Lexington County South Carolina | 6 | $ 934,000 | $ 155,000 | $ 72,000 |
| Richland County South Carolina | 6 | $ 1,007,000 | $ 167,000 | $ 92,000 |
| Halifax County Virginia | 6 | $ 478,000 | $ 79,000 | $ 59,000 |
| Patrick County Virginia | 6 | $ 542,000 | $ 90,000 | $ 50,000 |
| Fulton County Georgia | 5 | $ 1,033,000 | $ 206,000 | $ 111,000 |
| Anderson County South Carolina | 5 | $ 909,000 | $ 181,000 | $ 76,000 |
| Florence County South Carolina | 5 | $ 848,000 | $ 169,000 | $ 88,000 |
| Sevier County Tennessee | 5 | $ 463,000 | $ 92,000 | $ 101,000 |
| Chesapeake County Virginia | 5 | $ 1,306,000 | $ 261,000 | $ 100,000 |
| Henry County Virginia | 5 | $ 379,000 | $ 75,000 | $ 69,000 |
| Rabun County Georgia | 4 | $ 636,000 | $ 159,000 | $ 76,000 |
| Berkeley County South Carolina | 4 | $ 1,161,000 | $ 290,000 | $ 131,000 |
| Marlboro County South Carolina | 4 | $ 138,000 | $ 34,000 | $ 20,000 |
| Johnson County Tennessee | 4 | $ 469,000 | $ 117,000 | $ 61,000 |
| Polk County Tennessee | 4 | $ 651,000 | $ 162,000 | $ 80,000 |
| Chesterfield County Virginia | 4 | $ 711,000 | $ 177,000 | $ 65,000 |
| Virginia Beach County Virginia | 4 | $ 830,000 | $ 207,000 | $ 65,000 |
| Habersham County Georgia | 3 | $ 349,000 | $ 116,000 | $ 64,000 |
| Richmond County Georgia | 3 | $ 453,000 | $ 151,000 | $ 79,000 |
| Chester County South Carolina | 3 | $ 162,000 | $ 54,000 | $ 79,000 |
| Chesterfield County South Carolina | 3 | $ 212,000 | $ 70,000 | $ 31,000 |
| Laurens County South Carolina | 3 | $ 232,000 | $ 77,000 | $ 56,000 |
| Oconee County South Carolina | 3 | $ 689,000 | $ 229,000 | $ 97,000 |
| Carter County Tennessee | 3 | $ 667,000 | $ 222,000 | $ 54,000 |
| Albemarle County Virginia | 3 | $ 490,000 | $ 163,000 | $ 99,000 |
| Brunswick County Virginia | 3 | $ 1,295,000 | $ 431,000 | $ 136,000 |
| Mecklenburg County Virginia | 3 | $ 503,000 | $ 167,000 | $ 65,000 |
| Prince William County Virginia | 3 | $ 1,441,000 | $ 480,000 | $ 209,000 |
| Richmond City County Virginia | 3 | $ 262,000 | $ 87,000 | $ 69,000 |
| Suffolk County Virginia | 3 | $ 570,000 | $ 190,000 | $ 139,000 |
| Bulloch County Georgia | 2 | $ 255,000 | $ 127,000 | $ 68,000 |
| Chatham County Georgia | 2 | $ 442,000 | $ 221,000 | $ 148,000 |
| Cherokee County Georgia | 2 | $ 354,000 | $ 177,000 | $ 63,000 |
| Clarke County Georgia | 2 | $ 299,000 | $ 149,000 | $ 127,000 |
| Columbia County Georgia | 2 | $ 457,000 | $ 228,000 | $ 156,000 |
| Fannin County Georgia | 2 | $ 255,000 | $ 127,000 | $ 58,000 |
| Walton County Georgia | 2 | $ 360,000 | $ 180,000 | $ 74,000 |
| Dorchester County South Carolina | 2 | $ 483,000 | $ 241,000 | $ 106,000 |
| Greenwood County South Carolina | 2 | $ 103,000 | $ 51,000 | $ 50,000 |
| Kershaw County South Carolina | 2 | $ 286,000 | $ 143,000 | $ 95,000 |
| Pickens County South Carolina | 2 | $ 280,000 | $ 140,000 | $ 74,000 |
| Dickson County Tennessee | 2 | $ 333,000 | $ 166,000 | $ 122,000 |
| Hamilton County Tennessee | 2 | $ 348,000 | $ 174,000 | $ 121,000 |
| Hawkins County Tennessee | 2 | $ 290,000 | $ 145,000 | $ 78,000 |
| Knox County Tennessee | 2 | $ 476,000 | $ 238,000 | $ 80,000 |
| Williamson County Tennessee | 2 | $ 493,000 | $ 246,000 | $ 98,000 |
| Alexandria County Virginia | 2 | $ 436,000 | $ 218,000 | $ 100,000 |
| Emporia County Virginia | 2 | $ 270,000 | $ 135,000 | $ 73,000 |
| Fairfax County Virginia | 2 | $ 659,000 | $ 329,000 | $ 108,000 |
| Newport News County Virginia | 2 | $ 482,000 | $ 241,000 | $ 64,000 |
| Pulaski County Virginia | 2 | $ 311,000 | $ 155,000 | $ 157,000 |
| Washington County Virginia | 2 | $ 465,000 | $ 232,000 | $ 152,000 |
| Barrow County Georgia | 1 | $ 157,000 | $ 157,000 | $ 84,000 |
| Bartow County Georgia | 1 | $ 70,000 | $ 70,000 | $ 72,000 |
| Chattooga County Georgia | 1 | $ 90,000 | $ 90,000 | $ 48,000 |
| Coweta County Georgia | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Douglas County Georgia | 1 | $ 92,000 | $ 92,000 | $ 34,000 |
| Fayette County Georgia | 1 | $ 132,000 | $ 132,000 | $ 110,000 |
| Franklin County Georgia | 1 | $ 199,000 | $ 199,000 | $ 58,000 |
| Gilmer County Georgia | 1 | $ 95,000 | $ 95,000 | $ 148,000 |
| Glynn County Georgia | 1 | $ 220,000 | $ 220,000 | $ 56,000 |
| Hall County Georgia | 1 | $ 353,000 | $ 353,000 | $ 117,000 |
| Henry County Georgia | 1 | $ 139,000 | $ 139,000 | $ 53,000 |
| Jasper County Georgia | 1 | $ 76,000 | $ 76,000 | $ 34,000 |
| Monroe County Georgia | 1 | $ 283,000 | $ 283,000 | $ 149,000 |
| Newton County Georgia | 1 | $ 195,000 | $ 195,000 | $ 149,000 |
| Paulding County Georgia | 1 | $ 191,000 | $ 191,000 | $ 73,000 |
| Peach County Georgia | 1 | $ 123,000 | $ 123,000 | $ 91,000 |
| Pickens County Georgia | 1 | $ 191,000 | $ 191,000 | $ 106,000 |
| Rockdale County Georgia | 1 | $ 63,000 | $ 63,000 | $ 65,000 |
| Wheeler County Georgia | 1 | $ 145,000 | $ 145,000 | $ 69,000 |
| White County Georgia | 1 | $ 139,000 | $ 139,000 | $ 52,000 |
| Jefferson Davis County Louisiana | 1 | $ 110,000 | $ 110,000 | $ 97,000 |
| Calhoun County South Carolina | 1 | $ 354,000 | $ 354,000 | $ 136,000 |
| Clarendon County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Colleton County South Carolina | 1 | $ 174,000 | $ 174,000 | $ 251,000 |
| Darlington County South Carolina | 1 | $ 151,000 | $ 151,000 | $ 102,000 |
| Dillon County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 66,000 |
| Williamsburg County South Carolina | 1 | $ 216,000 | $ 216,000 | $ 136,000 |
| Blount County Tennessee | 1 | $ 287,000 | $ 287,000 | $ 92,000 |
| Chester County Tennessee | 1 | $ 118,000 | $ 118,000 | $ 62,000 |
| Claiborne County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 59,000 |
| Cumberland County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 32,000 |
| Franklin County Tennessee | 1 | $ 86,000 | $ 86,000 | $ 52,000 |
| Greene County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Hamblen County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Henry County Tennessee | 1 | $ 69,000 | $ 69,000 | $ 108,000 |
| Jefferson County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 88,000 |
| Montgomery County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 98,000 |
| Sullivan County Tennessee | 1 | $ 171,000 | $ 171,000 | $ 86,000 |
| Unicoi County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 23,000 |
| Washington County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 45,000 |
| Arlington County Virginia | 1 | $ 394,000 | $ 394,000 | $ 93,000 |
| Augusta County Virginia | 1 | $ 210,000 | $ 210,000 | $ 48,000 |
| Bedford County Virginia | 1 | $ 451,000 | $ 451,000 | $ 147,000 |
| Botetourt County Virginia | 1 | $ 400,000 | $ 400,000 | $ 103,000 |
| Campbell County Virginia | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Charlottesville County Virginia | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Cumberland County Virginia | 1 | $ 18,000 | $ 18,000 | $ 145,000 |
| Franklin County Virginia | 1 | $ 82,000 | $ 82,000 | $ 46,000 |
| Frederick County Virginia | 1 | $ 252,000 | $ 252,000 | $ 88,000 |
| Galax County Virginia | 1 | $ 165,000 | $ 165,000 | $ 164,000 |
| Giles County Virginia | 1 | $ 232,000 | $ 232,000 | $ 113,000 |
| Greensville County Virginia | 1 | $ 84,000 | $ 84,000 | $ 161,000 |
| Henrico County Virginia | 1 | $ 160,000 | $ 160,000 | $ 119,000 |
| Loudoun County Virginia | 1 | $ 585,000 | $ 585,000 | $ 140,000 |
| Martinsville County Virginia | 1 | $ 152,000 | $ 152,000 | $ 75,000 |
| Middlesex County Virginia | 1 | $ 200,000 | $ 200,000 | $ 105,000 |
| Petersburg County Virginia | 1 | $ 113,000 | $ 113,000 | $ 85,000 |
| Portsmouth County Virginia | 1 | $ 86,000 | $ 86,000 | $ 43,000 |
| Roanoke County Virginia | 1 | $ 219,000 | $ 219,000 | $ 100,000 |
| Rockbridge County Virginia | 1 | $ 405,000 | $ 405,000 | $ 175,000 |
| Salem County Virginia | 1 | $ 40,000 | $ 40,000 | $ 34,000 |
| Southampton County Virginia | 1 | $ 36,000 | $ 36,000 | $ 100,000 |
| Westmoreland County Virginia | 1 | $ 473,000 | $ 473,000 | $ 235,000 |
| Wythe County Virginia | 1 | $ 88,000 | $ 88,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for State Employees' in 2015
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 | 16,510 | $2,520,454,000 | $152,000 | $1,740,000 | $73,000 | $1,200,000 |
| Refinancing | 11,262 | $1,592,748,000 | $141,000 | $1,346,000 | $80,000 | $1,997,000 |
| Home Improvement | 1,496 | $203,496,000 | $136,000 | $932,000 | $73,000 | $537,000 |
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 | 21,858 | $3,334,497,000 | $152,000 | $1,740,000 | $78,000 | $1,997,000 |
| Black or African American | 5,419 | $700,170,000 | $129,000 | $1,500,000 | $66,000 | $568,000 |
| Not Provided | 898 | $135,564,000 | $150,000 | $1,103,000 | $85,000 | $840,000 |
| Hispanic | 624 | $79,504,000 | $127,000 | $481,000 | $61,000 | $267,000 |
| American Indian or Alaskan Native | 237 | $27,349,000 | $115,000 | $779,000 | $66,000 | $384,000 |
| Asian | 205 | $35,027,000 | $170,000 | $582,000 | $85,000 | $298,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $4,587,000 | $169,000 | $368,000 | $68,000 | $147,000 |
| 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) | 29,268 | $4,316,698,000 | $147,000 | $1,740,000 | $76,000 | $1,997,000 |
| 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 | 18,344 | $2,815,488,000 | $153,000 | $1,700,000 | $79,000 | $899,000 |
| Application Denied By Financial Institution | 3,193 | $408,739,000 | $128,000 | $932,000 | $58,000 | $800,000 |
| File Closed For Incompleteness | 3,013 | $422,339,000 | $140,000 | $1,225,000 | $80,000 | $1,997,000 |
| Application Withdrawn By Applicant | 2,673 | $391,214,000 | $146,000 | $1,740,000 | $77,000 | $1,161,000 |
| Loan Purchased By The Institution | 1,660 | $224,604,000 | $135,000 | $550,000 | $65,000 | $401,000 |
| Application Approved But Not Accepted | 385 | $54,314,000 | $141,000 | $750,000 | $78,000 | $505,000 |
| 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 | 1,137 | $160,298,000 | $140,000 | $700,000 | $74,000 | $451,000 |
| Credit History | 876 | $97,035,000 | $110,000 | $598,000 | $56,000 | $332,000 |
| Debt-To-Income Ratio | 716 | $95,558,000 | $133,000 | $932,000 | $41,000 | $188,000 |
| Other | 269 | $32,406,000 | $120,000 | $720,000 | $54,000 | $800,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 83 | $9,787,000 | $117,000 | $471,000 | $59,000 | $189,000 |
| Unverifiable Information | 78 | $9,038,000 | $115,000 | $365,000 | $45,000 | $188,000 |
| Employment History | 33 | $4,567,000 | $138,000 | $347,000 | $41,000 | $96,000 |
| Credit Application Incomplete | 1 | $50,000 | $50,000 | $50,000 | $29,000 | $29,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Employees''s 2015 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.