State Employees'
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
State Employees' 2016 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 | 28,357 |
| Total Mortgage Loan Application Amount | $4,354,259,000 |
| Average Mortgage Loan Application Amount | $148,333 |
| Highest Mortgage Loan Application Amount | $1,890,000 |
| Average Applicant Income | $77,666 |
| Highest Applicant Income | $1,836,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 3,736 | $ 740,198,000 | $ 198,000 | $ 89,000 |
| Mecklenburg County North Carolina | 1,292 | $ 232,337,000 | $ 179,000 | $ 88,000 |
| Guilford County North Carolina | 1,219 | $ 179,071,000 | $ 146,000 | $ 73,000 |
| Buncombe County North Carolina | 1,038 | $ 196,723,000 | $ 189,000 | $ 76,000 |
| Durham County North Carolina | 1,037 | $ 178,185,000 | $ 171,000 | $ 80,000 |
| Johnston County North Carolina | 877 | $ 134,032,000 | $ 152,000 | $ 75,000 |
| Alamance County North Carolina | 641 | $ 98,313,000 | $ 153,000 | $ 73,000 |
| Cabarrus County North Carolina | 575 | $ 87,790,000 | $ 152,000 | $ 75,000 |
| Forsyth County North Carolina | 553 | $ 77,640,000 | $ 140,000 | $ 71,000 |
| Orange County North Carolina | 544 | $ 114,441,000 | $ 210,000 | $ 103,000 |
| New Hanover County North Carolina | 530 | $ 102,975,000 | $ 194,000 | $ 90,000 |
| Iredell County North Carolina | 521 | $ 80,533,000 | $ 154,000 | $ 73,000 |
| Burke County North Carolina | 491 | $ 56,512,000 | $ 115,000 | $ 60,000 |
| Pitt County North Carolina | 486 | $ 64,140,000 | $ 131,000 | $ 78,000 |
| Brunswick County North Carolina | 440 | $ 64,698,000 | $ 147,000 | $ 80,000 |
| Henderson County North Carolina | 406 | $ 72,749,000 | $ 179,000 | $ 72,000 |
| Randolph County North Carolina | 393 | $ 51,565,000 | $ 131,000 | $ 68,000 |
| Rowan County North Carolina | 391 | $ 46,766,000 | $ 119,000 | $ 67,000 |
| Union County North Carolina | 374 | $ 72,395,000 | $ 193,000 | $ 88,000 |
| Catawba County North Carolina | 372 | $ 50,640,000 | $ 136,000 | $ 74,000 |
| Harnett County North Carolina | 371 | $ 48,865,000 | $ 131,000 | $ 67,000 |
| Wayne County North Carolina | 365 | $ 44,352,000 | $ 121,000 | $ 67,000 |
| Davidson County North Carolina | 346 | $ 47,839,000 | $ 138,000 | $ 73,000 |
| Stanly County North Carolina | 342 | $ 40,800,000 | $ 119,000 | $ 63,000 |
| Nash County North Carolina | 338 | $ 43,535,000 | $ 128,000 | $ 72,000 |
| Gaston County North Carolina | 334 | $ 46,493,000 | $ 139,000 | $ 74,000 |
| Chatham County North Carolina | 323 | $ 66,834,000 | $ 206,000 | $ 92,000 |
| Wilson County North Carolina | 297 | $ 38,591,000 | $ 129,000 | $ 77,000 |
| Rutherford County North Carolina | 293 | $ 32,736,000 | $ 111,000 | $ 58,000 |
| Franklin County North Carolina | 286 | $ 41,584,000 | $ 145,000 | $ 72,000 |
| Surry County North Carolina | 284 | $ 32,963,000 | $ 116,000 | $ 64,000 |
| Carteret County North Carolina | 282 | $ 53,359,000 | $ 189,000 | $ 103,000 |
| Cumberland County North Carolina | 255 | $ 30,822,000 | $ 120,000 | $ 76,000 |
| Granville County North Carolina | 246 | $ 35,947,000 | $ 146,000 | $ 76,000 |
| McDowell County North Carolina | 244 | $ 29,142,000 | $ 119,000 | $ 61,000 |
| Caldwell County North Carolina | 231 | $ 27,423,000 | $ 118,000 | $ 72,000 |
| Robeson County North Carolina | 225 | $ 20,918,000 | $ 92,000 | $ 66,000 |
| Cleveland County North Carolina | 218 | $ 24,964,000 | $ 114,000 | $ 65,000 |
| Lenoir County North Carolina | 212 | $ 22,631,000 | $ 106,000 | $ 67,000 |
| Moore County North Carolina | 211 | $ 29,504,000 | $ 139,000 | $ 70,000 |
| Wilkes County North Carolina | 210 | $ 24,243,000 | $ 115,000 | $ 60,000 |
| Jackson County North Carolina | 205 | $ 33,036,000 | $ 161,000 | $ 74,000 |
| Onslow County North Carolina | 202 | $ 27,846,000 | $ 137,000 | $ 77,000 |
| Watauga County North Carolina | 194 | $ 33,633,000 | $ 173,000 | $ 94,000 |
| Haywood County North Carolina | 193 | $ 27,671,000 | $ 143,000 | $ 68,000 |
| Craven County North Carolina | 188 | $ 28,440,000 | $ 151,000 | $ 79,000 |
| Montgomery County North Carolina | 183 | $ 19,241,000 | $ 105,000 | $ 64,000 |
| Richmond County North Carolina | 179 | $ 17,368,000 | $ 97,000 | $ 63,000 |
| Rockingham County North Carolina | 173 | $ 19,526,000 | $ 112,000 | $ 67,000 |
| Davie County North Carolina | 169 | $ 23,622,000 | $ 139,000 | $ 69,000 |
| Lincoln County North Carolina | 166 | $ 28,389,000 | $ 171,000 | $ 80,000 |
| Pender County North Carolina | 153 | $ 26,801,000 | $ 175,000 | $ 91,000 |
| Person County North Carolina | 153 | $ 19,585,000 | $ 128,000 | $ 70,000 |
| Lee County North Carolina | 145 | $ 21,233,000 | $ 146,000 | $ 75,000 |
| Ashe County North Carolina | 143 | $ 21,211,000 | $ 148,000 | $ 76,000 |
| Duplin County North Carolina | 140 | $ 15,517,000 | $ 110,000 | $ 66,000 |
| Yancey County North Carolina | 139 | $ 18,672,000 | $ 134,000 | $ 60,000 |
| Macon County North Carolina | 137 | $ 20,179,000 | $ 147,000 | $ 67,000 |
| Edgecombe County North Carolina | 133 | $ 13,372,000 | $ 100,000 | $ 63,000 |
| Halifax County North Carolina | 131 | $ 13,550,000 | $ 103,000 | $ 69,000 |
| Horry County South Carolina | 130 | $ 17,151,000 | $ 131,000 | $ 97,000 |
| Beaufort County North Carolina | 129 | $ 16,533,000 | $ 128,000 | $ 78,000 |
| Dare County North Carolina | 119 | $ 24,546,000 | $ 206,000 | $ 87,000 |
| Vance County North Carolina | 116 | $ 12,389,000 | $ 106,000 | $ 64,000 |
| Cherokee County North Carolina | 114 | $ 14,051,000 | $ 123,000 | $ 61,000 |
| Mitchell County North Carolina | 110 | $ 12,507,000 | $ 113,000 | $ 56,000 |
| Yadkin County North Carolina | 110 | $ 13,771,000 | $ 125,000 | $ 69,000 |
| Columbus County North Carolina | 107 | $ 10,181,000 | $ 95,000 | $ 61,000 |
| Sampson County North Carolina | 107 | $ 12,114,000 | $ 113,000 | $ 71,000 |
| Hertford County North Carolina | 105 | $ 11,762,000 | $ 112,000 | $ 62,000 |
| Greene County North Carolina | 93 | $ 8,407,000 | $ 90,000 | $ 53,000 |
| Swain County North Carolina | 81 | $ 11,269,000 | $ 139,000 | $ 61,000 |
| Bertie County North Carolina | 79 | $ 6,547,000 | $ 82,000 | $ 60,000 |
| Pasquotank County North Carolina | 78 | $ 10,029,000 | $ 128,000 | $ 66,000 |
| Scotland County North Carolina | 77 | $ 6,672,000 | $ 86,000 | $ 60,000 |
| Northampton County North Carolina | 72 | $ 6,456,000 | $ 89,000 | $ 61,000 |
| Stokes County North Carolina | 72 | $ 8,788,000 | $ 122,000 | $ 64,000 |
| Transylvania County North Carolina | 71 | $ 12,393,000 | $ 174,000 | $ 75,000 |
| Caswell County North Carolina | 69 | $ 7,857,000 | $ 113,000 | $ 61,000 |
| Anson County North Carolina | 67 | $ 5,465,000 | $ 81,000 | $ 56,000 |
| York County South Carolina | 65 | $ 12,355,000 | $ 190,000 | $ 87,000 |
| Alexander County North Carolina | 64 | $ 7,842,000 | $ 122,000 | $ 61,000 |
| Graham County North Carolina | 64 | $ 7,432,000 | $ 116,000 | $ 63,000 |
| Hoke County North Carolina | 63 | $ 6,718,000 | $ 106,000 | $ 67,000 |
| Madison County North Carolina | 62 | $ 9,533,000 | $ 153,000 | $ 70,000 |
| Polk County North Carolina | 60 | $ 9,701,000 | $ 161,000 | $ 73,000 |
| Martin County North Carolina | 58 | $ 5,156,000 | $ 88,000 | $ 55,000 |
| Avery County North Carolina | 57 | $ 7,438,000 | $ 130,000 | $ 84,000 |
| Alleghany County North Carolina | 55 | $ 6,724,000 | $ 122,000 | $ 67,000 |
| Bladen County North Carolina | 55 | $ 6,116,000 | $ 111,000 | $ 75,000 |
| Warren County North Carolina | 55 | $ 7,628,000 | $ 138,000 | $ 83,000 |
| Washington County North Carolina | 53 | $ 4,619,000 | $ 87,000 | $ 61,000 |
| Currituck County North Carolina | 51 | $ 8,034,000 | $ 157,000 | $ 75,000 |
| Chowan County North Carolina | 48 | $ 5,296,000 | $ 110,000 | $ 74,000 |
| Perquimans County North Carolina | 46 | $ 4,638,000 | $ 100,000 | $ 52,000 |
| Clay County North Carolina | 36 | $ 4,415,000 | $ 122,000 | $ 58,000 |
| Pamlico County North Carolina | 36 | $ 4,738,000 | $ 131,000 | $ 82,000 |
| Spartanburg County South Carolina | 36 | $ 5,142,000 | $ 142,000 | $ 62,000 |
| Greenville County South Carolina | 33 | $ 6,510,000 | $ 197,000 | $ 88,000 |
| Tyrrell County North Carolina | 32 | $ 3,006,000 | $ 93,000 | $ 51,000 |
| Jones County North Carolina | 31 | $ 2,624,000 | $ 84,000 | $ 62,000 |
| Gates County North Carolina | 28 | $ 3,233,000 | $ 115,000 | $ 64,000 |
| Lancaster County South Carolina | 26 | $ 5,382,000 | $ 207,000 | $ 89,000 |
| Hyde County North Carolina | 21 | $ 3,507,000 | $ 167,000 | $ 91,000 |
| Camden County North Carolina | 16 | $ 2,240,000 | $ 140,000 | $ 69,000 |
| Charleston County South Carolina | 16 | $ 3,575,000 | $ 223,000 | $ 103,000 |
| Carroll County Virginia | 14 | $ 1,284,000 | $ 91,000 | $ 61,000 |
| Fulton County Georgia | 13 | $ 3,000,000 | $ 230,000 | $ 122,000 |
| Gwinnett County Georgia | 12 | $ 2,380,000 | $ 198,000 | $ 86,000 |
| Knox County Tennessee | 12 | $ 2,761,000 | $ 230,000 | $ 106,000 |
| Beaufort County South Carolina | 10 | $ 2,167,000 | $ 216,000 | $ 118,000 |
| Oconee County South Carolina | 9 | $ 1,782,000 | $ 198,000 | $ 112,000 |
| DeKalb County Georgia | 8 | $ 1,931,000 | $ 241,000 | $ 92,000 |
| Halifax County Virginia | 8 | $ 537,000 | $ 67,000 | $ 55,000 |
| Cobb County Georgia | 7 | $ 1,905,000 | $ 272,000 | $ 126,000 |
| Dorchester County South Carolina | 7 | $ 1,563,000 | $ 223,000 | $ 102,000 |
| Richland County South Carolina | 7 | $ 1,097,000 | $ 156,000 | $ 74,000 |
| Danville County Virginia | 7 | $ 682,000 | $ 97,000 | $ 76,000 |
| Union County Georgia | 6 | $ 1,102,000 | $ 183,000 | $ 59,000 |
| Johnson County Tennessee | 6 | $ 661,000 | $ 110,000 | $ 66,000 |
| Chesterfield County Virginia | 6 | $ 1,705,000 | $ 284,000 | $ 138,000 |
| Towns County Georgia | 5 | $ 726,000 | $ 145,000 | $ 54,000 |
| Cherokee County South Carolina | 5 | $ 688,000 | $ 137,000 | $ 85,000 |
| Davidson County Tennessee | 5 | $ 1,103,000 | $ 220,000 | $ 107,000 |
| Sevier County Tennessee | 5 | $ 998,000 | $ 199,000 | $ 110,000 |
| Henrico County Virginia | 5 | $ 758,000 | $ 151,000 | $ 69,000 |
| Mecklenburg County Virginia | 5 | $ 518,000 | $ 103,000 | $ 90,000 |
| Patrick County Virginia | 5 | $ 469,000 | $ 93,000 | $ 49,000 |
| Anderson County South Carolina | 4 | $ 556,000 | $ 139,000 | $ 64,000 |
| Lexington County South Carolina | 4 | $ 844,000 | $ 211,000 | $ 120,000 |
| Carter County Tennessee | 4 | $ 352,000 | $ 88,000 | $ 47,000 |
| Washington County Tennessee | 4 | $ 440,000 | $ 110,000 | $ 108,000 |
| Chesapeake County Virginia | 4 | $ 1,211,000 | $ 302,000 | $ 106,000 |
| Grayson County Virginia | 4 | $ 300,000 | $ 75,000 | $ 48,000 |
| Pittsylvania County Virginia | 4 | $ 363,000 | $ 90,000 | $ 57,000 |
| Effingham County Georgia | 3 | $ 664,000 | $ 221,000 | $ 89,000 |
| Berkeley County South Carolina | 3 | $ 616,000 | $ 205,000 | $ 112,000 |
| Chesterfield County South Carolina | 3 | $ 271,000 | $ 90,000 | $ 64,000 |
| Fairfield County South Carolina | 3 | $ 700,000 | $ 233,000 | $ 87,000 |
| Greene County Tennessee | 3 | $ 529,000 | $ 176,000 | $ 54,000 |
| Unicoi County Tennessee | 3 | $ 411,000 | $ 137,000 | $ 95,000 |
| Williamson County Tennessee | 3 | $ 1,158,000 | $ 386,000 | $ 133,000 |
| Bedford County Virginia | 3 | $ 646,000 | $ 215,000 | $ 100,000 |
| Suffolk County Virginia | 3 | $ 365,000 | $ 121,000 | $ 68,000 |
| Chatham County Georgia | 2 | $ 421,000 | $ 210,000 | $ 73,000 |
| Fannin County Georgia | 2 | $ 145,000 | $ 72,000 | $ 65,000 |
| Forsyth County Georgia | 2 | $ 664,000 | $ 332,000 | $ 92,000 |
| Franklin County Georgia | 2 | $ 422,000 | $ 211,000 | $ 127,000 |
| Hall County Georgia | 2 | $ 587,000 | $ 293,000 | $ 151,000 |
| Rabun County Georgia | 2 | $ 262,000 | $ 131,000 | $ 36,000 |
| Rockdale County Georgia | 2 | $ 130,000 | $ 65,000 | $ 31,000 |
| Aiken County South Carolina | 2 | $ 464,000 | $ 232,000 | $ 122,000 |
| Chester County South Carolina | 2 | $ 281,000 | $ 140,000 | $ 93,000 |
| Darlington County South Carolina | 2 | $ 337,000 | $ 168,000 | $ 108,000 |
| Dillon County South Carolina | 2 | $ 99,000 | $ 49,000 | $ 35,000 |
| Florence County South Carolina | 2 | $ 206,000 | $ 103,000 | $ 57,000 |
| Georgetown County South Carolina | 2 | $ 792,000 | $ 396,000 | $ 192,000 |
| Greenwood County South Carolina | 2 | $ 198,000 | $ 99,000 | $ 49,000 |
| Laurens County South Carolina | 2 | $ 185,000 | $ 92,000 | $ 46,000 |
| Marlboro County South Carolina | 2 | $ 268,000 | $ 134,000 | $ 66,000 |
| Pickens County South Carolina | 2 | $ 269,000 | $ 134,000 | $ 50,000 |
| Bradley County Tennessee | 2 | $ 273,000 | $ 136,000 | $ 75,000 |
| Cocke County Tennessee | 2 | $ 469,000 | $ 234,000 | $ 43,000 |
| Henry County Tennessee | 2 | $ 105,000 | $ 52,000 | $ 54,000 |
| Putnam County Tennessee | 2 | $ 289,000 | $ 144,000 | $ 73,000 |
| Wilson County Tennessee | 2 | $ 400,000 | $ 200,000 | $ 63,000 |
| Botetourt County Virginia | 2 | $ 580,000 | $ 290,000 | $ 161,000 |
| Franklin City County Virginia | 2 | $ 246,000 | $ 123,000 | $ 67,000 |
| Harrisonburg County Virginia | 2 | $ 238,000 | $ 119,000 | $ 24,000 |
| Henry County Virginia | 2 | $ 163,000 | $ 81,000 | $ 67,000 |
| Loudoun County Virginia | 2 | $ 744,000 | $ 372,000 | $ 194,000 |
| Roanoke County Virginia | 2 | $ 210,000 | $ 105,000 | $ 105,000 |
| Roanoke City County Virginia | 2 | $ 150,000 | $ 75,000 | $ 136,000 |
| Bibb County Georgia | 1 | $ 135,000 | $ 135,000 | $ 76,000 |
| Butts County Georgia | 1 | $ 138,000 | $ 138,000 | $ 71,000 |
| Cherokee County Georgia | 1 | $ 304,000 | $ 304,000 | $ 141,000 |
| Colquitt County Georgia | 1 | $ 215,000 | $ 215,000 | $ 157,000 |
| Columbia County Georgia | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Greene County Georgia | 1 | $ 248,000 | $ 248,000 | $ 91,000 |
| Habersham County Georgia | 1 | $ 164,000 | $ 164,000 | $ 54,000 |
| Hart County Georgia | 1 | $ 96,000 | $ 96,000 | $ 65,000 |
| Henry County Georgia | 1 | $ 168,000 | $ 168,000 | $ 83,000 |
| Jackson County Georgia | 1 | $ 178,000 | $ 178,000 | $ 77,000 |
| Pickens County Georgia | 1 | $ 138,000 | $ 138,000 | $ 76,000 |
| Spalding County Georgia | 1 | $ 147,000 | $ 147,000 | $ 71,000 |
| Sumter County Georgia | 1 | $ 164,000 | $ 164,000 | $ 90,000 |
| Queens County New York | 1 | $ 140,000 | $ 140,000 | $ 130,000 |
| Clarendon County South Carolina | 1 | $ 179,000 | $ 179,000 | $ 57,000 |
| Colleton County South Carolina | 1 | $ 188,000 | $ 188,000 | $ 248,000 |
| Jasper County South Carolina | 1 | $ 73,000 | $ 73,000 | $ 78,000 |
| Kershaw County South Carolina | 1 | $ 400,000 | $ 400,000 | $ 117,000 |
| Orangeburg County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Union County South Carolina | 1 | $ 63,000 | $ 63,000 | $ 29,000 |
| Anderson County Tennessee | 1 | $ 143,000 | $ 143,000 | $ 63,000 |
| Fentress County Tennessee | 1 | $ 109,000 | $ 109,000 | $ 31,000 |
| Hardin County Tennessee | 1 | $ 47,000 | $ 47,000 | $ 101,000 |
| Rutherford County Tennessee | 1 | $ 164,000 | $ 164,000 | $ 56,000 |
| White County Tennessee | 1 | $ 144,000 | $ 144,000 | $ 59,000 |
| Albemarle County Virginia | 1 | $ 390,000 | $ 390,000 | $ 246,000 |
| Alexandria County Virginia | 1 | $ 788,000 | $ 788,000 | $ 291,000 |
| Brunswick County Virginia | 1 | $ 36,000 | $ 36,000 | $ 82,000 |
| Campbell County Virginia | 1 | $ 284,000 | $ 284,000 | $ 125,000 |
| Fairfax County Virginia | 1 | $ 437,000 | $ 437,000 | $ 97,000 |
| Floyd County Virginia | 1 | $ 132,000 | $ 132,000 | $ 45,000 |
| Franklin County Virginia | 1 | $ 125,000 | $ 125,000 | $ 143,000 |
| Galax County Virginia | 1 | $ 59,000 | $ 59,000 | $ 54,000 |
| Giles County Virginia | 1 | $ 114,000 | $ 114,000 | $ 64,000 |
| Hanover County Virginia | 1 | $ 156,000 | $ 156,000 | $ 49,000 |
| James City County Virginia | 1 | $ 252,000 | $ 252,000 | $ 85,000 |
| Lynchburg County Virginia | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Montgomery County Virginia | 1 | $ 153,000 | $ 153,000 | $ 71,000 |
| Nelson County Virginia | 1 | $ 284,000 | $ 284,000 | $ 192,000 |
| Newport News County Virginia | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| Petersburg County Virginia | 1 | $ 26,000 | $ 26,000 | $ 35,000 |
| Prince William County Virginia | 1 | $ 379,000 | $ 379,000 | $ 151,000 |
| Richmond City County Virginia | 1 | $ 110,000 | $ 110,000 | $ 72,000 |
| Scott County Virginia | 1 | $ 40,000 | $ 40,000 | $ 173,000 |
| Smyth County Virginia | 1 | $ 118,000 | $ 118,000 | $ 86,000 |
| Southampton County Virginia | 1 | $ 76,000 | $ 76,000 | $ 41,000 |
| Staunton County Virginia | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Virginia Beach County Virginia | 1 | $ 123,000 | $ 123,000 | $ 139,000 |
| Washington County Virginia | 1 | $ 200,000 | $ 200,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for State Employees' in 2016
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 | 18,134 | $2,869,573,000 | $158,000 | $1,890,000 | $74,000 | $1,836,000 |
| Refinancing | 8,830 | $1,285,961,000 | $145,000 | $1,762,000 | $81,000 | $1,441,000 |
| Home Improvement | 1,393 | $198,725,000 | $142,000 | $1,417,000 | $78,000 | $701,000 |
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 | 20,646 | $3,259,516,000 | $157,000 | $1,762,000 | $79,000 | $1,836,000 |
| Black or African American | 5,648 | $781,646,000 | $138,000 | $1,890,000 | $67,000 | $701,000 |
| Not Provided | 933 | $151,526,000 | $162,000 | $700,000 | $84,000 | $446,000 |
| Hispanic | 644 | $88,187,000 | $136,000 | $518,000 | $64,000 | $291,000 |
| American Indian or Alaskan Native | 237 | $26,999,000 | $113,000 | $545,000 | $66,000 | $290,000 |
| Asian | 222 | $42,943,000 | $193,000 | $800,000 | $92,000 | $652,000 |
| Native Hawaiin or Other Pacific Islander | 27 | $3,442,000 | $127,000 | $329,000 | $88,000 | $469,000 |
| 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) | 28,357 | $4,354,259,000 | $153,000 | $1,890,000 | $76,000 | $1,836,000 |
| 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 | 19,030 | $3,031,120,000 | $159,000 | $1,762,000 | $80,000 | $1,441,000 |
| Application Denied By Financial Institution | 3,014 | $402,127,000 | $133,000 | $1,275,000 | $59,000 | $480,000 |
| Application Withdrawn By Applicant | 2,926 | $441,455,000 | $150,000 | $1,890,000 | $77,000 | $669,000 |
| Loan Purchased By The Institution | 1,631 | $219,266,000 | $134,000 | $540,000 | $66,000 | $534,000 |
| File Closed For Incompleteness | 1,382 | $205,366,000 | $148,000 | $1,600,000 | $81,000 | $498,000 |
| Application Approved But Not Accepted | 374 | $54,925,000 | $146,000 | $736,000 | $81,000 | $1,836,000 |
| 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 | 981 | $137,112,000 | $139,000 | $1,275,000 | $76,000 | $398,000 |
| Debt-To-Income Ratio | 804 | $115,022,000 | $143,000 | $765,000 | $43,000 | $260,000 |
| Credit History | 779 | $92,051,000 | $118,000 | $708,000 | $56,000 | $229,000 |
| Other | 274 | $33,903,000 | $123,000 | $623,000 | $54,000 | $480,000 |
| Unverifiable Information | 103 | $14,111,000 | $137,000 | $480,000 | $52,000 | $245,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 42 | $6,003,000 | $142,000 | $351,000 | $65,000 | $280,000 |
| Employment History | 30 | $3,573,000 | $119,000 | $278,000 | $41,000 | $89,000 |
| Credit Application Incomplete | 1 | $352,000 | $352,000 | $352,000 | $64,000 | $64,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Employees''s 2016 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.