State Employees'
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
State Employees' 2019 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 | 44,843 |
| Total Mortgage Loan Application Amount | $6,178,095,000 |
| Average Mortgage Loan Application Amount | $106,750 |
| Highest Mortgage Loan Application Amount | $1,755,000 |
| Average Applicant Income | $89,250 |
| Highest Applicant Income | $2,740,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 5,886 | $ 960,890,000 | $ 163,000 | $ 105,000 |
| Mecklenburg County North Carolina | 2,089 | $ 312,365,000 | $ 149,000 | $ 98,000 |
| Guilford County North Carolina | 2,039 | $ 265,185,000 | $ 130,000 | $ 84,000 |
| Durham County North Carolina | 1,741 | $ 256,005,000 | $ 147,000 | $ 95,000 |
| Johnston County North Carolina | 1,553 | $ 218,355,000 | $ 140,000 | $ 89,000 |
| Buncombe County North Carolina | 1,477 | $ 244,535,000 | $ 165,000 | $ 86,000 |
| Alamance County North Carolina | 1,082 | $ 153,280,000 | $ 141,000 | $ 85,000 |
| Forsyth County North Carolina | 1,047 | $ 144,865,000 | $ 138,000 | $ 86,000 |
| Orange County North Carolina | 1,034 | $ 173,920,000 | $ 168,000 | $ 119,000 |
| Cabarrus County North Carolina | 966 | $ 134,970,000 | $ 139,000 | $ 89,000 |
| New Hanover County North Carolina | 899 | $ 148,205,000 | $ 164,000 | $ 105,000 |
| Burke County North Carolina | 787 | $ 84,475,000 | $ 107,000 | $ 73,000 |
| Iredell County North Carolina | 786 | $ 111,500,000 | $ 141,000 | $ 85,000 |
| Pitt County North Carolina | 756 | $ 89,940,000 | $ 118,000 | $ 87,000 |
| Union County North Carolina | 723 | $ 114,555,000 | $ 158,000 | $ 96,000 |
| Brunswick County North Carolina | 699 | $ 107,715,000 | $ 154,000 | $ 97,000 |
| Catawba County North Carolina | 681 | $ 87,315,000 | $ 128,000 | $ 84,000 |
| Davidson County North Carolina | 672 | $ 83,840,000 | $ 124,000 | $ 80,000 |
| Gaston County North Carolina | 648 | $ 84,790,000 | $ 130,000 | $ 89,000 |
| Randolph County North Carolina | 638 | $ 71,210,000 | $ 111,000 | $ 74,000 |
| Henderson County North Carolina | 605 | $ 97,565,000 | $ 161,000 | $ 85,000 |
| Chatham County North Carolina | 560 | $ 90,080,000 | $ 160,000 | $ 100,000 |
| Wayne County North Carolina | 558 | $ 59,960,000 | $ 107,000 | $ 74,000 |
| Rowan County North Carolina | 557 | $ 62,455,000 | $ 112,000 | $ 73,000 |
| Stanly County North Carolina | 553 | $ 67,255,000 | $ 121,000 | $ 76,000 |
| Franklin County North Carolina | 510 | $ 71,270,000 | $ 139,000 | $ 79,000 |
| Harnett County North Carolina | 497 | $ 61,015,000 | $ 122,000 | $ 77,000 |
| Nash County North Carolina | 456 | $ 55,930,000 | $ 122,000 | $ 80,000 |
| Wilson County North Carolina | 455 | $ 54,665,000 | $ 120,000 | $ 78,000 |
| Granville County North Carolina | 449 | $ 62,295,000 | $ 138,000 | $ 82,000 |
| Wilkes County North Carolina | 433 | $ 47,095,000 | $ 108,000 | $ 71,000 |
| Carteret County North Carolina | 425 | $ 78,065,000 | $ 183,000 | $ 127,000 |
| Caldwell County North Carolina | 417 | $ 45,425,000 | $ 108,000 | $ 80,000 |
| Rutherford County North Carolina | 403 | $ 43,225,000 | $ 107,000 | $ 70,000 |
| Surry County North Carolina | 387 | $ 41,195,000 | $ 106,000 | $ 78,000 |
| Cumberland County North Carolina | 381 | $ 37,365,000 | $ 98,000 | $ 82,000 |
| McDowell County North Carolina | 367 | $ 44,815,000 | $ 122,000 | $ 73,000 |
| Rockingham County North Carolina | 336 | $ 32,510,000 | $ 96,000 | $ 75,000 |
| Moore County North Carolina | 334 | $ 44,380,000 | $ 132,000 | $ 83,000 |
| Robeson County North Carolina | 315 | $ 27,725,000 | $ 88,000 | $ 81,000 |
| Cleveland County North Carolina | 308 | $ 33,490,000 | $ 108,000 | $ 81,000 |
| Onslow County North Carolina | 307 | $ 41,805,000 | $ 136,000 | $ 79,000 |
| Craven County North Carolina | 304 | $ 33,680,000 | $ 110,000 | $ 76,000 |
| Haywood County North Carolina | 285 | $ 43,395,000 | $ 152,000 | $ 81,000 |
| Lenoir County North Carolina | 280 | $ 26,180,000 | $ 93,000 | $ 75,000 |
| Watauga County North Carolina | 274 | $ 41,730,000 | $ 152,000 | $ 101,000 |
| Montgomery County North Carolina | 269 | $ 28,565,000 | $ 106,000 | $ 77,000 |
| Davie County North Carolina | 255 | $ 34,745,000 | $ 136,000 | $ 92,000 |
| Lincoln County North Carolina | 255 | $ 38,665,000 | $ 151,000 | $ 90,000 |
| Jackson County North Carolina | 242 | $ 36,070,000 | $ 149,000 | $ 82,000 |
| Beaufort County North Carolina | 241 | $ 26,295,000 | $ 109,000 | $ 90,000 |
| Lee County North Carolina | 233 | $ 27,435,000 | $ 117,000 | $ 86,000 |
| Ashe County North Carolina | 231 | $ 32,795,000 | $ 141,000 | $ 88,000 |
| Pender County North Carolina | 221 | $ 35,765,000 | $ 161,000 | $ 99,000 |
| Person County North Carolina | 220 | $ 28,460,000 | $ 129,000 | $ 81,000 |
| Richmond County North Carolina | 217 | $ 17,725,000 | $ 81,000 | $ 70,000 |
| Vance County North Carolina | 210 | $ 23,360,000 | $ 111,000 | $ 73,000 |
| Horry County South Carolina | 208 | $ 30,900,000 | $ 148,000 | $ 109,000 |
| Edgecombe County North Carolina | 185 | $ 17,945,000 | $ 97,000 | $ 80,000 |
| Dare County North Carolina | 179 | $ 31,495,000 | $ 175,000 | $ 92,000 |
| Duplin County North Carolina | 177 | $ 18,935,000 | $ 106,000 | $ 81,000 |
| Macon County North Carolina | 173 | $ 24,865,000 | $ 143,000 | $ 78,000 |
| Yadkin County North Carolina | 173 | $ 19,855,000 | $ 114,000 | $ 77,000 |
| Alexander County North Carolina | 168 | $ 19,030,000 | $ 113,000 | $ 75,000 |
| Halifax County North Carolina | 153 | $ 12,965,000 | $ 84,000 | $ 72,000 |
| Columbus County North Carolina | 152 | $ 14,520,000 | $ 95,000 | $ 69,000 |
| Sampson County North Carolina | 148 | $ 17,070,000 | $ 115,000 | $ 79,000 |
| Yancey County North Carolina | 146 | $ 17,880,000 | $ 122,000 | $ 73,000 |
| Stokes County North Carolina | 128 | $ 14,420,000 | $ 112,000 | $ 81,000 |
| Scotland County North Carolina | 127 | $ 9,865,000 | $ 77,000 | $ 79,000 |
| Cherokee County North Carolina | 125 | $ 14,665,000 | $ 117,000 | $ 69,000 |
| Hertford County North Carolina | 121 | $ 10,875,000 | $ 89,000 | $ 67,000 |
| Mitchell County North Carolina | 118 | $ 13,460,000 | $ 114,000 | $ 75,000 |
| York County South Carolina | 114 | $ 23,130,000 | $ 202,000 | $ 117,000 |
| Bertie County North Carolina | 111 | $ 9,075,000 | $ 81,000 | $ 67,000 |
| Pasquotank County North Carolina | 110 | $ 13,540,000 | $ 123,000 | $ 80,000 |
| Madison County North Carolina | 106 | $ 14,890,000 | $ 140,000 | $ 75,000 |
| Warren County North Carolina | 103 | $ 9,425,000 | $ 91,000 | $ 59,000 |
| Anson County North Carolina | 101 | $ 9,645,000 | $ 95,000 | $ 73,000 |
| Chowan County North Carolina | 96 | $ 12,050,000 | $ 125,000 | $ 90,000 |
| Greene County North Carolina | 95 | $ 8,615,000 | $ 90,000 | $ 75,000 |
| Transylvania County North Carolina | 95 | $ 14,115,000 | $ 148,000 | $ 92,000 |
| Avery County North Carolina | 87 | $ 10,965,000 | $ 126,000 | $ 97,000 |
| Caswell County North Carolina | 84 | $ 8,290,000 | $ 98,000 | $ 64,000 |
| Hoke County North Carolina | 81 | $ 7,775,000 | $ 95,000 | $ 66,000 |
| Swain County North Carolina | 79 | $ 10,595,000 | $ 134,000 | $ 73,000 |
| Martin County North Carolina | 78 | $ 6,670,000 | $ 85,000 | $ 83,000 |
| Alleghany County North Carolina | 72 | $ 10,110,000 | $ 140,000 | $ 104,000 |
| Bladen County North Carolina | 72 | $ 6,530,000 | $ 90,000 | $ 92,000 |
| Northampton County North Carolina | 66 | $ 6,090,000 | $ 92,000 | $ 73,000 |
| Perquimans County North Carolina | 64 | $ 7,220,000 | $ 112,000 | $ 75,000 |
| Polk County North Carolina | 64 | $ 8,600,000 | $ 134,000 | $ 88,000 |
| Currituck County North Carolina | 56 | $ 8,640,000 | $ 154,000 | $ 78,000 |
| Lancaster County South Carolina | 49 | $ 8,475,000 | $ 172,000 | $ 99,000 |
| Pamlico County North Carolina | 46 | $ 5,570,000 | $ 121,000 | $ 89,000 |
| Graham County North Carolina | 45 | $ 5,155,000 | $ 114,000 | $ 70,000 |
| Gates County North Carolina | 43 | $ 4,285,000 | $ 99,000 | $ 74,000 |
| Tyrrell County North Carolina | 43 | $ 3,515,000 | $ 81,000 | $ 59,000 |
| Spartanburg County South Carolina | 43 | $ 6,255,000 | $ 145,000 | $ 90,000 |
| Clay County North Carolina | 42 | $ 6,250,000 | $ 148,000 | $ 90,000 |
| Washington County North Carolina | 42 | $ 3,540,000 | $ 84,000 | $ 63,000 |
| Jones County North Carolina | 38 | $ 3,020,000 | $ 79,000 | $ 73,000 |
| Hyde County North Carolina | 32 | $ 3,010,000 | $ 94,000 | $ 92,000 |
| Greenville County South Carolina | 29 | $ 5,895,000 | $ 203,000 | $ 97,000 |
| Camden County North Carolina | 26 | $ 4,470,000 | $ 171,000 | $ 84,000 |
| Charleston County South Carolina | 25 | $ 5,725,000 | $ 229,000 | $ 130,000 |
| Cobb County Georgia | 24 | $ 5,770,000 | $ 240,000 | $ 144,000 |
| Fulton County Georgia | 23 | $ 4,845,000 | $ 210,000 | $ 107,000 |
| Patrick County Virginia | 22 | $ 2,170,000 | $ 98,000 | $ 82,000 |
| Carroll County Virginia | 20 | $ 2,070,000 | $ 103,000 | $ 82,000 |
| Beaufort County South Carolina | 15 | $ 4,405,000 | $ 293,000 | $ 172,000 |
| Richland County South Carolina | 14 | $ 1,540,000 | $ 110,000 | $ 75,000 |
| Danville County Virginia | 13 | $ 1,255,000 | $ 96,000 | $ 74,000 |
| DeKalb County Georgia | 12 | $ 2,480,000 | $ 206,000 | $ 123,000 |
| Chesterfield County South Carolina | 11 | $ 1,095,000 | $ 99,000 | $ 59,000 |
| Johnson County Tennessee | 11 | $ 1,195,000 | $ 108,000 | $ 64,000 |
| Unicoi County Tennessee | 11 | $ 1,405,000 | $ 127,000 | $ 64,000 |
| Mecklenburg County Virginia | 11 | $ 1,805,000 | $ 164,000 | $ 111,000 |
| Marlboro County South Carolina | 10 | $ 740,000 | $ 74,000 | $ 55,000 |
| Towns County Georgia | 9 | $ 1,275,000 | $ 141,000 | $ 90,000 |
| Oconee County South Carolina | 9 | $ 1,575,000 | $ 175,000 | $ 100,000 |
| Pittsylvania County Virginia | 9 | $ 1,315,000 | $ 146,000 | $ 110,000 |
| Georgetown County South Carolina | 8 | $ 1,570,000 | $ 196,000 | $ 106,000 |
| Lexington County South Carolina | 8 | $ 2,580,000 | $ 322,000 | $ 162,000 |
| Hamilton County Tennessee | 8 | $ 2,010,000 | $ 251,000 | $ 167,000 |
| Sevier County Tennessee | 8 | $ 1,260,000 | $ 157,000 | $ 153,000 |
| Gwinnett County Georgia | 7 | $ 1,385,000 | $ 197,000 | $ 113,000 |
| Cherokee County South Carolina | 7 | $ 785,000 | $ 112,000 | $ 90,000 |
| Dorchester County South Carolina | 7 | $ 1,685,000 | $ 240,000 | $ 98,000 |
| Halifax County Virginia | 7 | $ 1,075,000 | $ 153,000 | $ 64,000 |
| Aiken County South Carolina | 6 | $ 750,000 | $ 125,000 | $ 81,000 |
| Berkeley County South Carolina | 6 | $ 1,050,000 | $ 175,000 | $ 89,000 |
| Shelby County Tennessee | 6 | $ 770,000 | $ 128,000 | $ 109,000 |
| Chesapeake County Virginia | 6 | $ 990,000 | $ 165,000 | $ 109,000 |
| Fairfax County Virginia | 6 | $ 610,000 | $ 101,000 | $ 105,000 |
| Henrico County Virginia | 6 | $ 1,150,000 | $ 191,000 | $ 180,000 |
| Virginia Beach County Virginia | 6 | $ 940,000 | $ 156,000 | $ 90,000 |
| Forsyth County Georgia | 5 | $ 1,835,000 | $ 367,000 | $ 146,000 |
| Pickens County South Carolina | 5 | $ 1,275,000 | $ 255,000 | $ 198,000 |
| Carter County Tennessee | 5 | $ 925,000 | $ 185,000 | $ 96,000 |
| Sullivan County Tennessee | 5 | $ 605,000 | $ 121,000 | $ 97,000 |
| Grayson County Virginia | 5 | $ 665,000 | $ 133,000 | $ 135,000 |
| Richmond City County Virginia | 5 | $ 1,115,000 | $ 223,000 | $ 124,000 |
| Columbia County Georgia | 4 | $ 500,000 | $ 125,000 | $ 95,000 |
| Hall County Georgia | 4 | $ 760,000 | $ 190,000 | $ 119,000 |
| Richmond County Georgia | 4 | $ 380,000 | $ 95,000 | $ 99,000 |
| Union County Georgia | 4 | $ 650,000 | $ 162,000 | $ 81,000 |
| Anderson County South Carolina | 4 | $ 980,000 | $ 245,000 | $ 119,000 |
| Darlington County South Carolina | 4 | $ 340,000 | $ 85,000 | $ 108,000 |
| Florence County South Carolina | 4 | $ 500,000 | $ 125,000 | $ 66,000 |
| Orangeburg County South Carolina | 4 | $ 370,000 | $ 92,000 | $ 90,000 |
| Greene County Tennessee | 4 | $ 620,000 | $ 155,000 | $ 83,000 |
| Knox County Tennessee | 4 | $ 1,060,000 | $ 265,000 | $ 125,000 |
| Washington County Tennessee | 4 | $ 370,000 | $ 92,000 | $ 114,000 |
| Bedford County Virginia | 4 | $ 890,000 | $ 222,000 | $ 88,000 |
| Portsmouth County Virginia | 4 | $ 820,000 | $ 205,000 | $ 84,000 |
| Chatham County Georgia | 3 | $ 715,000 | $ 238,000 | $ 102,000 |
| Clarke County Georgia | 3 | $ 395,000 | $ 131,000 | $ 68,000 |
| Fairfield County South Carolina | 3 | $ 1,245,000 | $ 415,000 | $ 176,000 |
| Cocke County Tennessee | 3 | $ 335,000 | $ 111,000 | $ 60,000 |
| Hamblen County Tennessee | 3 | $ 185,000 | $ 61,000 | $ 59,000 |
| Jefferson County Tennessee | 3 | $ 515,000 | $ 171,000 | $ 75,000 |
| Franklin County Virginia | 3 | $ 1,215,000 | $ 405,000 | $ 170,000 |
| Galax County Virginia | 3 | $ 215,000 | $ 71,000 | $ 69,000 |
| Henry County Virginia | 3 | $ 195,000 | $ 65,000 | $ 40,000 |
| Montgomery County Virginia | 3 | $ 1,135,000 | $ 378,000 | $ 322,000 |
| Newport News County Virginia | 3 | $ 385,000 | $ 128,000 | $ 67,000 |
| Suffolk County Virginia | 3 | $ 995,000 | $ 331,000 | $ 166,000 |
| Bryan County Georgia | 2 | $ 540,000 | $ 270,000 | $ 121,000 |
| Bulloch County Georgia | 2 | $ 530,000 | $ 265,000 | $ 163,000 |
| Cherokee County Georgia | 2 | $ 500,000 | $ 250,000 | $ 125,000 |
| Habersham County Georgia | 2 | $ 450,000 | $ 225,000 | $ 67,000 |
| Houston County Georgia | 2 | $ 210,000 | $ 105,000 | $ 76,000 |
| Lowndes County Georgia | 2 | $ 350,000 | $ 175,000 | $ 137,000 |
| Paulding County Georgia | 2 | $ 240,000 | $ 120,000 | $ 112,000 |
| Pickens County Georgia | 2 | $ 680,000 | $ 340,000 | $ 121,000 |
| Thomas County Georgia | 2 | $ 60,000 | $ 30,000 | $ 50,000 |
| Chester County South Carolina | 2 | $ 390,000 | $ 195,000 | $ 97,000 |
| Dillon County South Carolina | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Greenwood County South Carolina | 2 | $ 160,000 | $ 80,000 | $ 82,000 |
| Kershaw County South Carolina | 2 | $ 460,000 | $ 230,000 | $ 103,000 |
| Marion County South Carolina | 2 | $ 90,000 | $ 45,000 | $ 41,000 |
| McCormick County South Carolina | 2 | $ 360,000 | $ 180,000 | $ 122,000 |
| Newberry County South Carolina | 2 | $ 50,000 | $ 25,000 | $ 52,000 |
| Blount County Tennessee | 2 | $ 380,000 | $ 190,000 | $ 94,000 |
| Davidson County Tennessee | 2 | $ 530,000 | $ 265,000 | $ 183,000 |
| Wilson County Tennessee | 2 | $ 610,000 | $ 305,000 | $ 81,000 |
| Accomack County Virginia | 2 | $ 190,000 | $ 95,000 | $ 121,000 |
| Alexandria County Virginia | 2 | $ 160,000 | $ 80,000 | $ 116,000 |
| Chesterfield County Virginia | 2 | $ 360,000 | $ 180,000 | $ 140,000 |
| Frederick County Virginia | 2 | $ 370,000 | $ 185,000 | $ 69,000 |
| Hampton County Virginia | 2 | $ 260,000 | $ 130,000 | $ 90,000 |
| Hanover County Virginia | 2 | $ 210,000 | $ 105,000 | $ 81,000 |
| James City County Virginia | 2 | $ 630,000 | $ 315,000 | $ 141,000 |
| Lynchburg County Virginia | 2 | $ 100,000 | $ 50,000 | $ 84,000 |
| Page County Virginia | 2 | $ 360,000 | $ 180,000 | $ 63,000 |
| Pulaski County Virginia | 2 | $ 140,000 | $ 70,000 | $ 40,000 |
| Roanoke County Virginia | 2 | $ 370,000 | $ 185,000 | $ 112,000 |
| Roanoke City County Virginia | 2 | $ 180,000 | $ 90,000 | $ 43,000 |
| Washington County Virginia | 2 | $ 180,000 | $ 90,000 | $ 24,000 |
| Pulaski County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| Barrow County Georgia | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Ben Hill County Georgia | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Carroll County Georgia | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Clayton County Georgia | 1 | $ 235,000 | $ 235,000 | $ 79,000 |
| Douglas County Georgia | 1 | $ 335,000 | $ 335,000 | $ 75,000 |
| Fannin County Georgia | 1 | $ 135,000 | $ 135,000 | $ 115,000 |
| Franklin County Georgia | 1 | $ 185,000 | $ 185,000 | $ 252,000 |
| Greene County Georgia | 1 | $ 185,000 | $ 185,000 | $ 190,000 |
| Hart County Georgia | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Henry County Georgia | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Jackson County Georgia | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Jasper County Georgia | 1 | $ 315,000 | $ 315,000 | $ 204,000 |
| Jefferson County Georgia | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| Laurens County Georgia | 1 | $ 95,000 | $ 95,000 | $ 82,000 |
| McDuffie County Georgia | 1 | $ 145,000 | $ 145,000 | $ 68,000 |
| McIntosh County Georgia | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Murray County Georgia | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Newton County Georgia | 1 | $ 185,000 | $ 185,000 | $ 15,000 |
| Oconee County Georgia | 1 | $ 45,000 | $ 45,000 | $ 208,000 |
| Walton County Georgia | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Whitfield County Georgia | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Niagara County New York | 1 | $ 15,000 | $ 15,000 | $ 74,000 |
| Clarendon County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 209,000 |
| Sumter County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Union County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Bradley County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Campbell County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 56,000 |
| Claiborne County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Dickson County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Hawkins County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 116,000 |
| Madison County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 57,000 |
| Montgomery County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Putnam County Tennessee | 1 | $ 415,000 | $ 415,000 | $ 170,000 |
| Sumner County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Albemarle County Virginia | 1 | $ 235,000 | $ 235,000 | $ 63,000 |
| Alleghany County Virginia | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Appomattox County Virginia | 1 | $ 105,000 | $ 105,000 | $ 133,000 |
| Arlington County Virginia | 1 | $ 325,000 | $ 325,000 | $ 140,000 |
| Botetourt County Virginia | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Brunswick County Virginia | 1 | $ 45,000 | $ 45,000 | $ 141,000 |
| Campbell County Virginia | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Caroline County Virginia | 1 | $ 275,000 | $ 275,000 | $ 106,000 |
| Charlotte County Virginia | 1 | $ 95,000 | $ 95,000 | $ 86,000 |
| Dickenson County Virginia | 1 | $ 75,000 | $ 75,000 | $ 253,000 |
| Fluvanna County Virginia | 1 | $ 145,000 | $ 145,000 | $ 165,000 |
| Franklin City County Virginia | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Fredericksburg County Virginia | 1 | $ 375,000 | $ 375,000 | $ 248,000 |
| Giles County Virginia | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| King William County Virginia | 1 | $ 115,000 | $ 115,000 | $ 133,000 |
| Loudoun County Virginia | 1 | $ 365,000 | $ 365,000 | $ 132,000 |
| Martinsville County Virginia | 1 | $ 25,000 | $ 25,000 | $ 126,000 |
| Nelson County Virginia | 1 | $ 295,000 | $ 295,000 | $ 182,000 |
| Norfolk County Virginia | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| Rockbridge County Virginia | 1 | $ 205,000 | $ 205,000 | $ 101,000 |
| Rockingham County Virginia | 1 | $ 185,000 | $ 185,000 | $ 40,000 |
| Russell County Virginia | 1 | $ 55,000 | $ 55,000 | $ 109,000 |
| Shenandoah County Virginia | 1 | $ 15,000 | $ 15,000 | $ 135,000 |
| Southampton County Virginia | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Spotsylvania County Virginia | 1 | $ 345,000 | $ 345,000 | $ 224,000 |
| Staunton County Virginia | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Waynesboro County Virginia | 1 | $ 215,000 | $ 215,000 | $ 58,000 |
| Westmoreland County Virginia | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Wythe County Virginia | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for State Employees' in 2019
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 | 19,464 | $3,456,520,000 | $177,000 | $1,755,000 | $85,000 | $2,740,000 |
| Refinancing | 14,385 | $2,161,785,000 | $150,000 | $1,455,000 | $93,000 | $2,215,000 |
| Other Purpose | 6,003 | $323,585,000 | $53,000 | $905,000 | $93,000 | $1,479,000 |
| Home Improvement | 4,991 | $236,205,000 | $47,000 | $405,000 | $86,000 | $968,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 30,927 | $4,350,335,000 | $140,000 | $1,755,000 | $91,000 | $2,740,000 |
| Black or African American | 8,752 | $1,091,860,000 | $124,000 | $1,415,000 | $76,000 | $937,000 |
| Not Provided | 3,234 | $463,800,000 | $143,000 | $965,000 | $105,000 | $873,000 |
| Hispanic | 1,152 | $153,400,000 | $133,000 | $815,000 | $72,000 | $504,000 |
| Asian | 418 | $79,860,000 | $191,000 | $1,005,000 | $106,000 | $1,168,000 |
| American Indian or Alaskan Native | 296 | $32,090,000 | $108,000 | $835,000 | $79,000 | $429,000 |
| Native Hawaiian or Other Pacific Islander | 24 | $3,550,000 | $147,000 | $615,000 | $65,000 | $133,000 |
| 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) | 44,843 | $6,178,095,000 | $137,000 | $1,755,000 | $89,000 | $2,740,000 |
| 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 | 30,643 | $4,411,695,000 | $143,000 | $1,755,000 | $93,000 | $2,740,000 |
| Application Denied By Financial Institution | 5,285 | $552,925,000 | $104,000 | $955,000 | $67,000 | $873,000 |
| Application Withdrawn By Applicant | 4,677 | $646,565,000 | $138,000 | $1,455,000 | $88,000 | $978,000 |
| File Closed For Incompleteness | 1,920 | $230,760,000 | $120,000 | $1,005,000 | $92,000 | $968,000 |
| Loan Purchased By The Institution | 1,754 | $256,580,000 | $146,000 | $905,000 | $75,000 | $550,000 |
| Application Approved But Not Accepted | 564 | $79,570,000 | $141,000 | $1,285,000 | $90,000 | $1,479,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 39,558 | $5,625,170,000 | $142,000 | $1,755,000 | $92,000 | $2,740,000 |
| Debt-To-Income Ratio | 2,157 | $208,115,000 | $96,000 | $625,000 | $50,000 | $233,000 |
| Collateral | 1,434 | $164,950,000 | $115,000 | $955,000 | $90,000 | $832,000 |
| Credit History | 1,314 | $130,100,000 | $99,000 | $815,000 | $67,000 | $325,000 |
| Other | 174 | $24,010,000 | $137,000 | $815,000 | $90,000 | $873,000 |
| Unverifiable Information | 156 | $20,310,000 | $130,000 | $585,000 | $63,000 | $369,000 |
| Credit Application Incomplete | 25 | $2,355,000 | $94,000 | $325,000 | $94,000 | $530,000 |
| Employment History | 24 | $3,010,000 | $125,000 | $395,000 | $49,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $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 2019 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.